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Idaho Car Insurance

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
Average Car Insurance Rates in Idaho
Idaho Car Insurance Laws
Car Insurance Companies in Idaho

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

Top Cities
Priciest Neighborhoods
In Idaho
  • 83536: $912
  • 83539: $910
  • 83530: $909
  • 83546: $901
Cheapest Neighborhoods
In Idaho
  • 83706: $753
  • 83647: $762
  • 83712: $765
  • 83705: $768

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What you need to know about car insurance in Idaho

Penny Gusner
Consumer Analyst

Idaho Car Insurance Laws

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.

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 for ages 55+: 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.

Uninsured motorist penalties for Idaho: You may be fined $206, your license may be suspended and you may be required to file an SR-22 form. If you were driving without privileges (had your license suspended, revoked, etc. due to your previous citation), this offense is much more serious and carries a mandatory minimum of two days in jail, and up to six months. It also carries up to a $1000 fine, and it carries an additional license suspension of six months.

Electronic proof of insurance: Idaho is one of 31 states that allow drivers to show proof of insurance during a traffic stop on a smartphone.

Largest car insurance companies for Idaho by market share

Rank Company / Group Direct Premiums Written ($) Market Share (%)
1 State Farm Group 101,129 14.42
2 Farmers Insurance Group 83,967 11.97
3 Farm Bureau of ID Group 74,719 10.65
4 Allstate Insurance Group 66,906 9.54
5 Liberty Mutual Insurance Companies 63,293 9.02
6 Progressive Insurance Group 60,292 8.60
7 Berkshire Hathaway Insurance 58,146 8.29
8 USAA Group 33,226 4.74
9 Amer Family Insurance Group 20,788 2.96
10 Sentry Insurance Group 16,690 2.38
Source: A.M. Best market share Rankings are based on direct premiums written in 2013.