Car Insurance Non-owner auto insurance in Idaho: Which company has the cheapest rates? Residents pay an average of $190 for non-owner car insurance, but Auto-Owners and USAA offer lower rates. Written by: Leslie Kasperowicz and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Posted on March 3, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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 CompanyAverage annual premiumAuto-Owners$26USAA$76Geico$131State Farm$165Nationwide$184 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 AgeMaleFemale16$774$71517$645$59418$545$50319$392$35920$348$32321$272$25422$252$23823$234$22624$223$21725$206$21030$198$19935$195$19640$190$19145$186$18650$183$18255$179$17860$176$17565$186$18670$202$19675$219$214 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 Cities in IdahoLowest non-owner car insurance ratesGrangeville$178Georgetown$179Malad City$179Montpelier$179Bern$180Bloomington$180Cottonwood$180Downey$180Geneva$180Kooskia$180Riggins$180Saint Charles$180Stites$180Clifton$181Conda$181Dayton$181Elk City$181Fish Haven$181Franklin$181Glenns Ferry$181 The 20 Idaho cities with the highest non-owner auto insurance rates Cities in IdahoHighest non-owner car insurance ratesNampa$222Eagle$220Kuna$219Star$217Boise City$213Caldwell$213Garden City$212Meridian$212Ammon$211Greenleaf$211Idaho Falls$210Middleton$210Pocatello$210Chubbuck$209Melba$209Parma$207Wilder$206Iona$200Letha$200Twin Falls$200 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 10 largest cites in IdahoNon-owner car ratesNampa$222Caldwell$213Meridian$212Idaho Falls$210Pocatello$210Twin Falls$200Coeur d’Alene$199Rexburg$195Post Falls$194Grangeville$178 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 StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$230 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: Contact a car insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs 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 Methodology Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Table of contents How much does non-owner auto insurance cost in Idaho? Which insurer offers the cheapest non-owner insurance rates in Idaho? How much is non-owner car insurance in Idaho by age? Which Idaho cities have the cheapest non-owner auto insurance? How much is non-owner car insurance in Idaho's 10 biggest cities? How non-owner insurance rates in Idaho compare to rates in other states How to get non-owner auto insurance in Idaho Get instant quotes now ! Please enter valid zip Get quote