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Average cost of car insurance in Idaho for 2023

Updated Jan 20, 2023
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The average cost of car insurance in Idaho is $1,065 for full coverage and $271 for minimum coverage per year. These prices are far below the national averages, $1,771 for full coverage and $545 for minimum coverage per year. Many factors can affect your price for Idaho car insurance. Your age, driving record, claims history, insurance carrier, the city you live in and the coverage types you choose are just some factors determining your auto insurance cost in Idaho.

How much does car insurance cost in Idaho?

How much car insurance costs in Idaho can vary with so many factors that determine your premium. How old you and your household drivers are, claims and driving records, coverage types and limits, insurance companies and even the Idaho city you live in will factor into your cost of insurance.

Although minimum coverage is cheaper than full coverage, it only provides the state minimum required coverage, which reduces your financial protection. Full coverage may be worth considering in many cases so that you have more coverage on the road. Knowing the criteria that insurance companies use and how they affect your premium can help you understand your personal pricing and how to get the best deal on the coverage you need.

Idaho car insurance rates by company

Finding the best car insurance in Idaho with affordable rates may start with the insurance company. Each company has its own rate structure, which is why when you get several quotes with the same coverage, you typically get different prices. As you can see in the table below, the same coverage produces different average rates, so choosing the company carefully may land you a cheap price without sacrificing coverage.

Average annual minimum coverage premium
$285
Average annual full coverage premium
$1,880
Average annual minimum coverage premium
$355
Average annual full coverage premium
$1,029
Average annual minimum coverage premium
$162
Average annual full coverage premium
$663
Average annual minimum coverage premium
$338
Average annual full coverage premium
$1,099
Average annual minimum coverage premium
$211
Average annual full coverage premium
$884
Mutual of Enumclaw
Average annual minimum coverage premium
$311
Average annual full coverage premium
$942
Average annual minimum coverage premium
$310
Average annual full coverage premium
$951
Average annual minimum coverage premium
$217
Average annual full coverage premium
$811
Average annual minimum coverage premium
$197
Average annual full coverage premium
$713
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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.

Idaho car insurance rates by city

The Idaho city you live in can also affect your car insurance rates. Claims, crime rates and population density are a few factors insurance companies use to determine rates for each city and even ZIP codes within a city. Bankrate’s research has found the cheapest Idaho cities for minimum coverage are Coeur d’Alene, Post Falls and Rexburg. In contrast, the cheapest full coverage rates may be found in Boise City and Meridian, based on the cities we reviewed.

City Average annual minimum coverage premium Average annual full coverage premium
Boise City $286 $977
Meridian $290 $978
Nampa $306 $1,058
Idaho Falls $283 $1,104
Caldwell $303 $1,077
Pocatello $271 $1,101
Coeur d’Alene $264 $1,085
Twin Falls $269 $1,060
Post Falls $264 $1,080
Rexburg $264 $1,097

Idaho car insurance rates by age

In most states, including Idaho, age greatly impacts car insurance rates. The tables below show rates for teens on their parent’s policy, as most drivers under 18 don’t qualify for an individual policy and typically stay on their parent’s policy until they are financially independent and living on their own. Older drivers on their own policy can typically get cheaper rates because they have more experience behind the wheel and are at less risk of being in an accident.

Average cost of car insurance for drivers on their parent’s policy

Age Average annual minimum coverage premium Average annual full coverage premium
Age 16 $633 $2,323
Age 17 $545 $2,044
Age 18 $534 $1,877
Age 19 $463 $1,707
Age 20 $430 $1,617

Average cost of car insurance for drivers on their own policy

Age Average annual minimum coverage premium Average annual full coverage premium
Age 18 $1,007 $3,485
Age 25 $339 $1,347
Age 30 $266 $1,154
Age 40 $256 $1,100
Age 60 $234 $968

Idaho car insurance rates by driving record

Being at fault in an accident or getting a speeding ticket are two ways your car insurance can sharply increase upon your policy’s renewal. The worst incident, according to rates compared, is a driving under the influence (DUI) conviction. Idaho drivers with a DUI can see an average increase to their insurance premium of 65 percent, while an accident may only increase it by around 37 percent.

Driving incident Average annual full coverage premium Percent increase of average annual premium
Clean driving record $1,065 0 percent
Speeding ticket $1,255 18 percent
Accident $1,461 37 percent
DUI $1,756 65 percent

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. 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 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. 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: If you get a single speeding ticket, Idaho drivers’ car insurance could go up about 18 percent, on average. 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 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.

Estimate your car insurance cost in Idaho

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.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. 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 2020 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.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowners and on their parent’s or their own policy.

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.

Written by
Mandy Sleight
Insurance Contributor

Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.

Edited by Managing Editor