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Average cost of car insurance in Idaho for 2024

Updated Jun 01, 2024
Idaho drivers pay an average annual cost of $1,338 per year for full coverage car insurance and $343 per year for minimum coverage.
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How much is car insurance in Idaho? 

The cost of car insurance in Idaho depends on a variety of factors, including your age, driving history, claims record, ZIP code and more. However, knowing how much average car insurance premiums are in your state can be helpful for comparison purposes. In Idaho, full coverage costs an average of $1,338 annually, while minimum coverage costs $343. Although minimum coverage is typically cheaper than full coverage, keep in mind that it provides limited financial protection in the event of an accident.

To determine average costs for car insurance in Idaho, Bankrate reviewed quoted premiums from Quadrant Information Services. In choosing top-rated providers, we also considered insurers’ third-party rankings per J.D. Power, financial strength per AM Best, coverage options, digital tool availability, discount opportunities and more. Then, we calculated a Bankrate Score on a 5.0 scale for each company. The higher the Bankrate Score, the better.

Key takeaways

  • The average cost of state-mandated liability coverage in Idaho is $343 per year while full coverage, which typically adds on collision and comprehensive insurance, costs an average of $1,338.
  • Residents of Boise have some of the lowest rates in the state, paying an average of $1,227 for full coverage.
  • Drivers with excellent credit history pay an average of just $1,208 per year for full coverage.
  • Those with a DUI conviction pay an average of $2,183 per year for full coverage.

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Idaho car insurance rates by city

The city you live in, as well as your ZIP code, impacts car insurance rates in Idaho. Frequency of claims, crime rates and population density are a few factors insurance companies use to determine rates for each city. Bankrate’s research has found that Boise and Meridian have some of the cheapest full coverage rates of large Idaho cities, with average rates that are 9 percent less than the state average.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average car insurance costs by age and gender in Idaho

In most states, including Idaho, a driver's age and gender greatly impact car insurance rates. The tables below show rates for teens on their parents’ policy, as most drivers under 18 don’t qualify for an individual policy. Older drivers on their own policy can typically get cheaper rates because they have more experience behind the wheel and are statistically less likely to be involved in an accident.

Age 16*
Average annual full coverage premium in ID
$2,957
Average minimum coverage premium in ID
$842
Age 18
Average annual full coverage premium in ID
$4,348
Average minimum coverage premium in ID
$1,313
Age 20
Average annual full coverage premium in ID
$3,230
Average minimum coverage premium in ID
$859
Age 25
Average annual full coverage premium in ID
$1,783
Average minimum coverage premium in ID
$452
Age 30
Average annual full coverage premium in ID
$1,472
Average minimum coverage premium in ID
$368
Age 40
Average annual full coverage premium in ID
$1,355
Average minimum coverage premium in ID
$341
Age 50
Average annual full coverage premium in ID
$1,243
Average minimum coverage premium in ID
$325
Age 60
Average annual full coverage premium in ID
$1,198
Average minimum coverage premium in ID
$319
Age 70
Average annual full coverage premium in ID
$1,329
Average minimum coverage premium in ID
$373
Age 40
Average annual full coverage premium in ID
$1,355
Average minimum coverage premium in ID
$341
Age 50
Average annual full coverage premium in ID
$1,243
Average minimum coverage premium in ID
$325
Age 60
Average annual full coverage premium in ID
$1,198
Average minimum coverage premium in ID
$319
Age 70
Average annual full coverage premium in ID
$1,329
Average minimum coverage premium in ID
$373
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Average annual full coverage premium in ID
$2,619
Average minimum coverage premium in ID
$771
Age 18
Average annual full coverage premium in ID
$3,860
Average minimum coverage premium in ID
$1,148
Age 20
Average annual full coverage premium in ID
$2,739
Average minimum coverage premium in ID
$768
Age 25
Average annual full coverage premium in ID
$1,606
Average minimum coverage premium in ID
$435
Age 30
Average annual full coverage premium in ID
$1,403
Average minimum coverage premium in ID
$364
Age 40
Average annual full coverage premium in ID
$1,321
Average minimum coverage premium in ID
$345
Age 50
Average annual full coverage premium in ID
$1,150
Average minimum coverage premium in ID
$322
Age 60
Average annual full coverage premium in ID
$1,161
Average minimum coverage premium in ID
$318
Age 70
Average annual full coverage premium in ID
$1,292
Average minimum coverage premium in ID
$370
Age 40
Average annual full coverage premium in ID
$1,321
Average minimum coverage premium in ID
$345
Age 50
Average annual full coverage premium in ID
$1,150
Average minimum coverage premium in ID
$322
Age 60
Average annual full coverage premium in ID
$1,161
Average minimum coverage premium in ID
$318
Age 70
Average annual full coverage premium in ID
$1,292
Average minimum coverage premium in ID
$370
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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Bankrate’s take: In every state except California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania, car insurance carriers are permitted to use gender when determining a driver’s premium. Because women tend to file fewer claims, car insurance rates for women are often nominally lower than rates for men in the same state.

Cost considerations for young drivers in Idaho

Young drivers cannot purchase their own car insurance policy until they turn 18. However, those ages 18 to 25 may want to consider staying on their parents' policy, if possible, since coverage would likely cost less than if they have their own policy, as shown in the chart below.

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Age 16*
Avg. annual premium for drivers in ID
$2,788
Age 17
Avg. annual premium for drivers in ID
$2,510
Age 18
Avg. annual premium for drivers in ID
$2,373
Age 19
Avg. annual premium for drivers in ID
$2,139
Age 20
Avg. annual premium for drivers in ID
$2,028
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in ID
$4,104
Age 19
Avg. annual premium for drivers in ID
$3,372
Age 20
Avg. annual premium for drivers in ID
$2,984
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 73 percent more
Age 19 58 percent more
Age 20 47 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in Idaho?

Being at fault for an accident or getting a speeding ticket are two ways your car insurance premium could sharply increase upon your policy’s renewal. According to the rates we compared, a DUI conviction increases rates that much more.

Here are average rates for Idaho drivers with various marks on their driving records:

Clean driving record
Avg. annual premium* in ID
$1,338
Percentage increase from ID avg. annual premium*
0%
Avg. annual premium* in ID
$1,552
Percentage increase from ID avg. annual premium*
16%
Avg. annual premium* in ID
$1,840
Percentage increase from ID avg. annual premium*
38%
Avg. annual premium* in ID
$2,183
Percentage increase from ID avg. annual premium*
63%
*The rates reflected are for full coverage policies.

Car insurance rates in Idaho by credit score

Having an excellent credit history may earn you a rate that is below the state average because actuarial data show that drivers with good credit tend to file fewer claims. Conversely, poor credit is correlated with a higher likelihood of claims, resulting in a higher cost of car insurance, as shown here.

Avg. annual premium* in ID
$1,995
Percentage difference from ID avg. annual premium*
49%
Average
Avg. annual premium* in ID
$1,418
Percentage difference from ID avg. annual premium*
6%
Avg. annual premium* in ID
$1,338
Percentage difference from ID avg. annual premium*
0%
Excellent
Avg. annual premium* in ID
$1,208
Percentage difference from ID avg. annual premium*
-10%
*Rates reflect full coverage policies.

Idaho car insurance rates by vehicle type

How much car insurance is in Idaho depends partly on the make and model of your vehicle. If you own a luxury or sports car that requires pricey or imported parts for repair, the vehicle may cost more to insure than a domestic vehicle that is not prone to expensive repair costs. You may also pay more if your car has a high theft rate. Here are the average rates for some common makes and models.

Avg. annual premium* in ID
$1,338
Avg. annual premium* in ID
$1,164
Avg. annual premium* in ID
$1,103
BMW 330i
Avg. annual premium* in ID
$1,634
Toyota Prius
Avg. annual premium* in ID
$1,375
*Rates reflect full coverage policies.

Estimate your car insurance cost in Idaho

There are several major factors that inform Idaho car insurance rates, so it can be difficult to figure out on your own if you’re getting a fair quote. That’s why Bankrate created the calculator tool below. Just enter some basic information, and you’ll get a rough estimate of your insurance premium. It’s not an exact quote, but it can give you a good idea of what to expect and help you budget for insurance.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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How to save on car insurance in Idaho

There are ways to mitigate steep car insurance rates in Idaho. First and foremost, maintaining a clean driving record will keep costs in check. A single DUI conviction in Idaho could raise your premium by an average of 65 percent. Here are some other ways to secure affordable car insurance in ID:

  • Research your vehicle before you buy: Some cars are cheaper to insure than others. Sports cars, 4x4s and higher-value vehicles are commonly among the most expensive to insure. Getting a car insurance quote before you buy can help you find the best car to fit your budget.
  • Raise your deductibles: Raising your comprehensive and collision deductibles will typically lower your premiums. Depending on the type of coverage, the impact may be more or less significant; collision deductibles typically impact your premium more than comprehensive deductibles. However, before you go this route, remember that increasing your deductibles means paying more out of pocket in the event of a claim.
  • Avoid accidents and claims: Generally, the safer a driver you are, the cheaper your car insurance should be in the long run. By avoiding tickets, accidents and claims, you’ll enjoy some of the lowest possible rates.
  • Take advantage of discounts: Car insurance companies offer discounts. Some have opportunities to lower your rate if you’re a good student, a good driver or don’t drive often. Ask your agent which discounts you might qualify for.

Frequently asked questions

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Methodology 

Bankrate utilizes Quadrant Information Services to analyze the latest rates in June 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).

Age: Rates were calculated by evaluating our base profile with the ages 16-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy unless otherwise noted.