Non-owner auto insurance in Idaho: Which company has the cheapest rates?

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Non-owner auto insurance in Idaho costs $190 per year, which is $190 lower than the rest of the country on average, according to Insure.com’s 2023 rate analysis.

Many companies offer these policies in Idaho, such as Geico, State Farm and Nationwide.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

In addition to understanding the various requirements, it’s important to learn what non-owner insurance is, which companies offer it and how much it costs in Idaho.

How much does non-owner auto insurance cost in Idaho?

It’s usually cheaper to buy non-owner insurance than typical auto insurance because insurers regard non-owner policyholders less of a risk due to their minimal access to a car.

On average in the U.S., it costs $1,682 a year for a 100/300/100 full coverage insurance policy for drivers with a clean driving record and good credit score. This includes $100,000 for injuries you may cause in an accident, up to $300,000 per accident, and an additional $100,000 for property damage. In Idaho, the cost is $1,052.

On the other hand, non-owner auto insurance costs $190 in Idaho and $380 on average in the United States.

But various factors affect individual rates, such as where in Idaho you live, which insurer you purchase from as well as your age and driving history.

Which insurer offers the cheapest non-owner insurance rates in Idaho?

With an average annual cost of $26, Auto-Owners’ non-owner insurance policy is Idaho’s most affordable.

At $383 a year, American Family charges the highest rate for non-owner insurance in the state.

A good rule of thumb is to compare quotes from many different insurance companies to identify the best price. Below you’ll find a list of the cheapest non-owner policies that are offered in Idaho

Cheapest non-owner insurance rates in Idaho

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Idaho by age?

Age is also an important factor when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Idaho, a 45-year-old will pay $186 annually on average for a non-owner insurance policy versus a 16-year-old driver who will pay $745 on average.

Average non-owner auto insurance rates in Idaho by age and gender

Which Idaho cities have the cheapest non-owner auto insurance?

There’s a great deal of variation from city to city when it comes to rates. Insurers set rates based on factors such as theft, collisions and vandalism in different U.S. cities.

Below are charts showing which cities in Idaho have the lowest and highest non-owner car insurance rates.

The 20 Idaho cities with the lowest non-owner car insurance rates

The 20 Idaho cities with the highest non-owner auto insurance rates

How much is non-owner car insurance in Idaho’s 10 biggest cities?

The biggest cities in Idaho sometimes have rates that are significantly different. The non-owner insurance price in Nampa is the highest at $222, but Grangeville has the cheapest rates among the state’s most populous cities at $178.

Non-owner auto rates in Idaho’s 10 largest cities

How non-owner insurance rates in Idaho compare to rates in other states

From state to state, the rates for non-owner auto insurance can also differ. Idaho’s average non-owner insurance rate is $190; lower than the $380 national average. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 per year. Next up is Iowa at $193 annually.

Non-owner car insurance rates in the most populous 10 states

How to get non-owner auto insurance in Idaho

To get a non-owner policy, you need your driver’s license number and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact a car insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly.

For a non-owner car insurance policy quote, you must call your insurer instead of visiting their website.

“Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Below are a few insurers with phone numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033.
• USAA: 800-531-8722