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Average cost of car insurance in Idaho for 2022
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Living in the state of Idaho is relatively cheap, compared to other states evaluated by the same cost-of-living variables. The same seems to hold true for Idaho auto insurance rates. The average cost of car insurance in Idaho is $307 per year for the state-required minimum coverage limits, and $1,045 per year for full coverage car insurance. Both rates are significantly lower than the average cost of car insurance nationwide. Average U.S. rates are $565 per year for minimum coverage and $1,674 a year for full coverage.
How much is car insurance in Idaho?
Idaho car insurance rates by company
|Car insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Mutual of Enumclaw||$338||$979|
Idaho car insurance rates by city
|City||Average annual premium for full coverage||% increase in average annual premium|
Idaho car insurance rates by age
|Age||Average annual premium in Idaho|
Idaho car insurance rates by driving record
How to save on car insurance in Idaho
There are a few ways you can potentially save on your car insurance. The following methods are fairly simple to qualify for and may bring your budget some relief.
- Research your vehicle before you buy: Some cars are cheaper to insure than others. Sportcars, 4x4s and higher-value vehicles are commonly among the most expensive to insure.
- Raise your deductible: Raising your deductible from $500 to $1,000 will typically lower your premiums. Depending on the type of coverage you raise the deductible, the impact may be more or less significant; collision deductibles impact your premium more than comprehensive deductibles.
- Avoid accidents and claims: If you get a single speeding ticket, Idaho drivers’ car insurance could go up about 16%. The safer a driver you are, typically the cheaper your car insurance will be in the long run.
- Take advantage of discounts: Car insurance companies offer a number of discounts such as good student, good driver and low mileage. Take advantage of as many as you can qualify for to help reduce your rates.
Frequently asked questions
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.