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Idaho

Idaho Car Insurance Rates


Idaho drivers enjoy state car insurance rates that are among the nation's cheapest -- if they shop around. But in every ZIP code -- all of Idaho's cities and towns are mapped out below -- the lowest-priced insurance company is hundreds of dollars less than the most expensive for the same coverage.

Idaho car insurance requirements

Idaho state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability: $15,000

Idaho Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In Idaho
  • 83452: $969
    TETONIA
  • 83422: $969
    DRIGGS
  • 83536: $968
    KAMIAH
  • 83539: $967
    NEZ PERCE
 
Cheapest Neighborhoods
In Idaho
  • 83712: $803
    BOISE CITY
  • 83702: $812
    BOISE CITY
  • 83703: $818
    BOISE CITY
  • 83706: $818
    BOISE CITY


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What you need to know about car insurance in Idaho

Penny Gusner
CarInsurance.com
Consumer Analyst

Idaho has very middle-of-the-road liability limits of $25,000 per person and $50,000 per accident for bodily injury and $15,000 for property damage. If you have a family or own a home, the industry standard for protection is 100/300/50.

Off-roading rules: Off-roading on ATVs, UTVs, motorbikes and other specialty off-roading vehicles is popular in Idaho. The requirements vary depending on where you are riding. Registration of your vehicle is almost always needed, but insurance may not be unless you are also driving on state or city roads with your vehicle. Idaho's public lands agencies put together an off-highway vehicle recreation guide that explains where to ride and how to stay safe -- see it on their website, stayontrails.com

Electronic proof of insurance is accepted: While it's wise to still carry your paper insurance card in the vehicle or in your wallet, if you have proof of auto insurance on your smart phone or tablet, law enforcement and other state officials will accept it.

Violations, points and length on record: Idaho's Transportation Department records moving violations that occur in Idaho, other states and Canada. Points stay on your record for three years after the conviction dates.

Discounts: Idaho auto insurance providers are required to offer older drivers (55+ years of age) a discount for completing an approved accident-prevention class. The discount is good for three years and is renewable.