Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Auto-Owners offers the most affordable car insurance at $916 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Idaho. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how auto insurance in Idaho works and how much insurance you need.
- The average cost of car insurance in Idaho is $1,428 a year or $119 per month, based on our data analysis.
- Minimum liability coverage in Idaho costs around $357 annually for limits of 25/50/15, while liability-only coverage costs $440 per year for limits of 50/100/50.
- Auto-Owners provides the most affordable annual rates for full coverage car insurance in Idaho, costing $916 per year.
- In Idaho, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 24%, a DUI raising rates by 64%, and an at-fault accident by up to 37%.
How much is car insurance in Idaho?
In Idaho, drivers pay an average of $119 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Idaho based on driver profile:
- Teen drivers in Idaho pay the most — about $394 a month or $4,726 a year.
- Young drivers in their 20s pay an average of $193 monthly or $2,310 annually, for car insurance.
- Senior drivers pay around $118 monthly or $1,412 a year.
- A speeding ticket can increase your rates to $152 monthly or $1,825 annually.
- An at-fault accident increases car insurance rates to $187 a month or $2,240 a year.
- Poor credit drivers usually see their car insurance costs increase to $194 monthly or $2,332 annually.
Average cost of auto insurance in Idaho by coverage level
Car insurance costs in Idaho can differ based on the coverage limit. To legally drive, Idaho residents must adhere to the minimum liability limits of 25/50/15.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Idaho. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Idaho for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $30 | $357 |
| Liability Only – 50/100/50 BI/PD | $37 | $440 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $119 | $1,428 |
State minimum car insurance in Idaho
Idaho laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $15,000 for property damage liability.
The state minimum car insurance cost in Idaho is $357 a year. However, this basic coverage only offers limited protection. Idaho drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Idaho must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Idaho
The average cost of liability-only insurance in Idaho is $440 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Idaho
On average, premiums for full coverage car insurance in Idaho cost $1,428 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Idaho
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Idaho pay more for premiums than those in lower-risk areas.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Calculate car insurance rates by ZIP code in Idaho
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Idaho by car model
Car insurers in Idaho use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much car insurance costs for your car make and model in Idaho.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Idaho
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Idaho drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,381 annually.
Drivers aged 16-19 pay $3,345 more for car insurance than Idaho drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $4,726 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,212 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,381 annually in Idaho.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,412 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Idaho
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Idaho, a DUI conviction often results in higher premiums and you may see an increase of up to 64% as insurers perceive you as a high-risk driver.
If you get caught speeding in Idaho, your car insurance rates will increase by 24% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Idaho following driving incidents:
- Speeding ticket: Up to 24% increase
- DUI conviction: 64% increase
- At-fault accident (bodily injury and property damage): 37% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Idaho for high-risk drivers
In Idaho, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Idaho
Drivers in Idaho can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in Idaho by getting quotes from several insurers for comparison.
Below are the details of Idaho car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Auto-Owners | $190 | $252 | $916 |
| State Farm | $244 | $322 | $1,120 |
| GEICO | $201 | $257 | $1,174 |
| Travelers | $323 | $405 | $1,263 |
| Nationwide | $645 | $690 | $1,505 |
| Farmers | $406 | $579 | $1,606 |
| Farm Bureau | $337 | $423 | $1,652 |
| Allstate | $484 | $517 | $1,945 |
| Sentry Insurance | $567 | $748 | $2,352 |
| USAA | $170 | $209 | $742 |
Car insurance rates by city in Idaho
Porthill is the most expensive city in Idaho, with an average car insurance rate of $1,549 a year. Mountain Home is the cheapest city for Idaho drivers at an average rate of $1,247 annually.
Car insurance rates vary by city in Idaho for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Idaho’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Idaho per month?
In Idaho, a full coverage car insurance policy with 100/300/100 limits typically costs about $119 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $30 |
| Liability Only – 50/100/50 BI/PD | $37 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $119 |
Final thoughts on choosing car insurance in Idaho
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Idaho.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Idaho. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/15.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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