Low-cost car insurance in Idaho

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Auto-Owners provides the lowest car insurance rates in Idaho at $916 a year. The average premium is $119 per month in Idaho, though your actual rate may vary.

Car insurance requirements differ by state. In Idaho, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Low-cost car insurance businesses in Idaho

When comparing insurers in Idaho, Auto-Owners leads the pack with an annual average of $916. That’s 36% less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Idaho.

How we choose low-cost car insurance companies in Idaho

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Idaho

In Idaho, drivers living in the 83647 ZIP code enjoy the lowest average annual premium at $1,247. Check the table below to see which other ZIP codes in the state have more affordable rates.

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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.

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Low-cost car insurance in Idaho by age

Teenagers pay significantly more for car insurance than adults in Idaho. For instance, a 16-year-old driver pays $4,603 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Idaho.

Low-cost car insurance in Idaho by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Idaho

Just one speeding ticket in Idaho can raise your rates by 28% – $397 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Low-cost car insurance after an accident in Idaho

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. State Farm has the lowest average rate at $1,305 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Idaho with the most affordable rates for drivers with an accident on their record.

Low-cost car insurance after a DUI in Idaho

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Idaho are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Average cost of car insurance Idaho

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

In Idaho, the average cost of full coverage is $467 less compared to the national average.

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in Idaho, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Idaho.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Idaho. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.