Why you can trust Insure.com
At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.
If you’re looking for car insurance rates in Idaho, the average annual premium is $1,428, per year or $119 monthly. This contrasts with the national average of $1,895, highlighting a variation of $467. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.
This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Idaho, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes.
Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget.
Key Takeaways
- The average car insurance cost in Idaho is $1,428 per year, based on Insure.com’s analysis.
- In Idaho, the average premium for car insurance is $119 per month.
- Auto-Owners has the cheapest car insurance rates in Idaho, at an average annual rate of $916 a year.
Average car insurance cost in Idaho per month
In Idaho, the monthly rate for car insurance is $119.
This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in Idaho, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.
Cheapest car insurance companies in Idaho
The table below lists the other available car insurance companies which offer car insurance in Idaho, along with their average cost per month and average annual cost.
Affordable car insurance providers in Idaho
| Company name | Average per month cost | Average annual cost |
|---|---|---|
| Auto-Owners | $76 | $916 |
| State Farm | $93 | $1,120 |
| Geico | $98 | $1,174 |
| Travelers | $105 | $1,263 |
| Nationwide | $125 | $1,505 |
| Farmers | $134 | $1,606 |
| Idaho Farm Bureau | $138 | $1,652 |
| Allstate | $162 | $1,945 |
| Sentry Insurance | $196 | $2,352 |
| USAA | $62 | $742 |
Read our guide to cheap car insurance companies
Idaho car insurance calculator
Add a vehicle to Compare!!!
No matches found for the selected filter options..!!!
Idaho
Average cost of car insurance by coverage levels in Idaho
The extent of coverage you opt for directly influences the cost of car insurance in Idaho. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.
Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Idaho would be $440.
As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Idaho amounts to $1,428.
For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Idaho, the average annual cost for non-owner state minimum liability coverage stands at $187.
For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $357 annually in Idaho.
Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.
Car insurance rates in Idaho by city
Average car insurance cost in Idaho by city
Your car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.
The table below depicts the top popular cities in Idaho:
| City | Average annual cost |
|---|---|
| Boise City | $1,309 |
| Caldwell | $1,417 |
| Coeur d’Alene | $1,430 |
| Idaho Falls | $1,455 |
| Meridian | $1,306 |
| Nampa | $1,400 |
| Pocatello | $1,455 |
| Post Falls | $1,415 |
| Rexburg | $1,463 |
| Twin Falls | $1,374 |
Average car insurance cost in Idaho by age of the driver
Age plays a significant role in determining auto insurance rates. Teenagers have a higher chance of being involved in a car accident compared to any other age group. In Idaho, the average annual rate for young drivers is $2,310, whereas for seniors, it is $1,412. The rate for young drivers exceeds that of senior drivers by $898.
Statistics show that young drivers are more likely to be involved in vehicle accidents than more seasoned drivers. As a result, they are classified as high-risk individuals and are more expensive to insure. This classification is primarily due to tendencies such as speeding and limited on-road experience. However, premiums begin to increase again around the age of 70, as certain aspects of aging may impact driving capabilities.
Average car insurance cost in Idaho for young drivers
In Idaho, the auto insurance premium for female young drivers averages at $2,138 annually, or $178 monthly, while male young drivers face a yearly rate of $2,482, or a monthly average of $207.
The average annual rates for young male and female drivers are listed in the table below:
| Age of driver | Average annual cost for Male drivers | Average annual cost for Female drivers |
|---|---|---|
| 20 | $3,204 | $2,693 |
| 21 | $2,624 | $2,231 |
| 22 | $2,406 | $2,088 |
| 23 | $2,149 | $1,884 |
| 24 | $2,025 | $1,792 |
Average car insurance cost in Idaho for senior drivers
In Idaho, the annual car insurance cost for senior female drivers is $1,381 or $115 monthly. Similarly, male senior drivers face a yearly insurance cost of $1,442 per year, with a monthly average of $120.
| Age of driver | Average annual cost for Male drivers | Average annual cost for Female drivers |
|---|---|---|
| 65 | $1,333 | $1,292 |
| 70 | $1,401 | $1,337 |
| 75 | $1,592 | $1,516 |
Read more about senior car insurance
Minimum car insurance requirements in Idaho
Every state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Idaho Department of Insurance, the required coverages and minimum coverage limits in Idaho are as follows:
- Bodily injury per person: $25,000
- Bodily injury per accident: $50,000
- Personal property coverage per person: $15,000
Cheapest cars to insure in Idaho
Insurance costs are lowest for Kia Seltos owners, with an annual premium of $1,276. Subaru Forester follows closely at $1,281 per year. The difference in the cost of insuring these two models is $5 annually.
| Make | Model | Average annual premium |
|---|---|---|
| Kia | Seltos | $1,276 |
| Subaru | Forester | $1,281 |
| Honda | CR-V | $1,285 |
| Mazda | CX-30 | $1,289 |
| Chevrolet | TrailBlazer | $1,297 |
| Honda | HR-V | $1,298 |
| Ford | Maverick | $1,302 |
| Hyundai | Venue | $1,302 |
| Jeep | Wrangler | $1,317 |
| Volkswagen | Tiguan | $1,317 |
Most expensive cars to insure in Idaho
The most expensive car to insure on the list is the Maserati Ghibli Trofeo, which has an average annual premium of $5,542. However, the difference between the cheapest and most expensive cars to insure is $4,266 annually.
| Make | Model | Average annual premium |
|---|---|---|
| Maserati | Ghibli Trofeo | $5,542 |
| Maserati | Quattroporte Trofeo | $5,538 |
| Maserati | Quattroporte | $5,483 |
| Audi | R8 Performance | $5,448 |
| Maserati | Ghibli | $4,748 |
| BMW | M8 | $4,449 |
| BMW | Alpina B8 | $4,384 |
| Audi | R8 | $4,173 |
| Porsche | 911 Carrera GT3 RS | $4,058 |
| Audi | RS Q8 | $3,982 |
Methodology
The Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.
57M
Quotes reviewed
136
No. of carriers analyzed
34.5K
ZIP codes analyzed
How much is car insurance in other states
Explore other insurance options in Idaho
- Average car insurance cost in Idaho per month
- Cheapest car insurance companies in Idaho
- Average cost of car insurance by coverage levels in Idaho
- Average car insurance cost in Idaho by city
- Average car insurance cost in Idaho by age of the driver
- Minimum car insurance requirements in Idaho
- Cheapest cars to insure in Idaho
- Most expensive cars to insure in Idaho
- Methodology