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No. 5 least expensive: Idaho

Last updated: Apr. 21, 2020

By , Insure.com

Idaho car insurance rates

Average rate: $1,062

Average rate for the top-selling vehicle in the country first quarter of 2020 F-150: $1,011

Average rate for the top-selling SUV in the country first quarter of 2020 RAV4: $1,059

Average rate for the top-selling sedan in the country first quarter of 2020 Toyota Camry: $1,126

Idaho grabbed the fifth spot for the least expensive states for auto insurance premiums. The annual average premium is 30% less than the 2020 national average of $1,517, but up 2% over its 2019 rates.

Idaho is much cheaper than its neighboring states to the east. Wyoming premiums average $1,684 and Montana $1,693, so both about 59% higher for car insurance than Idaho. Crossing the state line to the southwest to Nevada rates rise to $1,570, an increase of about 48%.

Like other states in the top five of least expensive states, Idaho is a mostly rural state with a competitive auto insurance marketplace. That means congestion and urban traffic doesn’t drive up car insurance rates and residents have a variety of car insurance companies to comparison shop with to find the best rates. More affordable rates allow more people to keep insurance on their vehicle, thus, only 8% of drivers are uninsured – a far cry less than the 20% plus that are uninsured in expensive states of Michigan, Florida and Louisiana.

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