If you are looking for auto insurance in Idaho, knowing how much it will cost is a promising idea. The average premium for car insurance in Idaho is $1,111 per year or $93 per month. While the national average is $1,682. There is a difference of $571 less between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Idaho, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Average car insurance cost in Idaho per month

In Idaho, the average premium for car insurance is $93 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Idaho, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Idaho is USAA Casualty Ins Co. The average annual cost is $735 while the average cost per month is $61. The second-best option available is, Auto-Owners Ins Co, offering insurance at an average per month cost of $66.

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.

Company nameAverage per month costAverage annual cost
USAA Casualty Ins Co$61$735
Auto-Owners Ins Co$66$793
GEICO General Ins Co$68$814
Standard Fire Ins Co$76$912
Depositors Ins Co$76$917
State Farm Mutl Automobile Ins$77$920
American Family Ins Co$99$1,183
Farmers Ins Co of Idaho$114$1,364
Metropolitan P&C Ins Co$142$1,701
Allstate F&C Ins Co$147$1,768

Read our guide to best car insurance companies of 2022

Average cost of car insurance by coverage levels in Idaho

The amount of coverage you purchase has an impact on how much car insurance costs in Idaho. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Idaho is $388.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Idaho is $1,111 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Idaho, the average annual cost for non-owner state minimum liability only is $190.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $327 per year in Idaho.

Coverage limitsAverage annual cost
50/100/50 Liability Only$388
100/300/100 Liability with $500 Comp/Coll Deductible$1,111
Non-Owner State Minimum Liability Only$190
State Minimum Liability Only$327

Average car insurance cost in Idaho by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Idaho:

CityAverage annual cost
Boise City$985
Meridian$976
Nampa$1,058
Idaho Falls$1,107
Caldwell$1,068
Pocatello$1,130
Coeur d’Alene$1,072
Twin Falls$1,039
Post Falls$1,057
Lewiston$1,076

Average car insurance cost in Idaho by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Idaho is $2,204 while for seniors is $1,124. Here, the rate for young drivers is $1,080 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Idaho for young drivers

The average car insurance cost for female young drivers in Idaho is $2,051 per year or $171 per month and rate for a male young driver is $2,358 per year or $197 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
18$4,355$3,724
19$3,054$2,578
20$2,708$2,329
21$2,119$1,841
22$1,873$1,657
23$1,732$1,541
24$1,615$1,445
25$1,404$1,296

Average car insurance cost in Idaho for senior drivers

In Idaho, the cost of car insurance for senior female driver is $1,119 per year or $93 per month and cost of car insurance for male senior driver is $1,129 per year or $94 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,029$1,018
70$1,106$1,091
75$1,252$1,247

Read more about senior car insurance

Summary of average car insurance cost in Idaho
Average annual cost
$1,111
Average per month cost
$93
Average cost for state minimum coverage
$327 / Year
Cheapest car insurance company
USAA Casualty Ins Co
($735/ Year)
Average cost for young drivers
$2,204 / Year
Average cost for Senior drivers
$1,124 / Year
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