Average cost of car insurance in Idaho for 2024

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 $1,339 annually, while minimum coverage costs $319. 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 $319 per year while full coverage, which typically adds on collision and comprehensive insurance, costs an average of $1,339.
• Residents of Boise have some of the lowest rates in the state, paying an average of $1,205 for full coverage.
• Drivers with excellent credit history pay an average of just $1,216 per year for full coverage.
• Those with a DUI conviction pay an average of $2,254 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.

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.

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.

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:

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.

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.

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.

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

Methodology 

Bankrate utilizes Quadrant Information Services to analyze the latest rates in April 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.