For drivers, car insurance rates start to increase around age 65, according to CarInsurance.com data. That’s not surprising. Older drivers have higher crash deaths than drivers between the ages of 35 and 54, according to the Centers for Disease Control and Prevention. CDC data also shows that 20 older adults are killed every day in car crashes.
But that doesn’t mean seniors can’t find good deals on car insurance. Our guide will help you find the cheapest rates for seniors in Idaho and learn other ways to save on auto insurance premiums.
- A 65-year-old driver in Idaho pays an average of $1,312 annually for full coverage car insurance.
- In Idaho, a 70-year-old driver’s car insurance rates are 4% more for full coverage than for a 65-year-old driver.
- Compared to a 65-year-old driver, a 75-year-old driver in Idaho pays 16% more a full-coverage car insurance.
- To get the best car insurance rates in Idaho, shop for quotes every six months or when your policy is up for renewal.
Cheapest car insurance companies for seniors in Idaho
Find the cheapest full coverage car insurance rates in Idaho for drivers of different ages below.
- Cheapest for seniors, overall: Auto-Owners, $81 per month.
- Cheapest for seniors at age 65: Auto-Owners, $72 per month.
- Cheapest for seniors at age 70: Auto-Owners, $80 per month.
- Cheapest for seniors at age 75: Auto-Owners, $91 per month.
Compare cheap car insurance quotes for senior drivers in Idaho
State minimum car insurance refers to the least amount of coverage that a driver is legally required to have in a particular state. This typically includes liability insurance, which covers bodily injury and property damage to others if you are at fault in an accident. Each state sets its own minimum requirements for coverage limits.
Liability car insurance with limits of 50/100/50 means:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury per accident
- $50,000 per accident for property damage
A liability policy covers expenses for injuries and damages you cause to others in an accident, but not your own injuries or vehicle damage.
Full coverage insurance with limits of 100/300/100 includes higher liability limits:
- $100,000 per person for bodily injury
- $300,000 per accident for bodily injury to multiple people
- $100,000 per accident for property damage
Full coverage also typically includes:
- Collision coverage: Pays for damages to your car from a collision.
- Comprehensive coverage: Covers damages to your car from non-collision events (e.g., theft, fire, vandalism).
Full coverage ensures you are covered for a wide range of incidents, both for your liability to others and for your own vehicle’s damage.
Below, find the cheapest car insurance rates in Idaho from major insurers for three coverage levels: state minimum, liability-only with limits of 50/100/50 and full coverage with 100/300/100 limits.
Select your age and type of coverage below to see the average annual and monthly rates.
| Company Name | Avg. Annual Premium | Avg. Monthly Premium |
|---|---|---|
- Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage
Why do car insurance rates increase for senior drivers in Idaho?
Insurance rates for older drivers tend to increase due to several factors. Statistics suggest that seniors are more likely to be involved in accidents compared to younger drivers, excluding teen drivers, according to the Insurance Institute for Highway Safety.
Although older drivers typically have many years of experience on the road, they often face age-related challenges such as hearing or vision loss, slower reflexes, medication side effects and other health issues that can complicate driving.
According to the CDC, drivers aged over 70 have higher crash death rates per 1,000 crashes compared to those aged 35-54. NHTSA data also shows that in 2020, senior drivers 65 and older were involved in 13% of fatal accidents, marking a 26% increase since 2011.
In addition, older drivers are more likely to need medical treatment even after a minor accident, and steep hospital expenses contribute to an overall increase in insurance rates.
“Unfortunately, as we move past middle age, the odds of being more severely injured or dying in a car crash increase significantly,” says Carole Walker, executive director at Rocky Mountain Insurance Association.
“Statistically, older drivers have a higher risk of causing a crash, but an even bigger factor adding to higher car insurance bills are common health problems that make them more prone to being hurt and incurring medical bills – even in low-speed or less serious crashes,” she says.
According to an analysis by CarInsurance.com, rates start to climb for most senior drivers in their mid-60s and continue to increase from then on.
In Idaho, the average cost for a full coverage policy is $1,312 for a 65-year-old and $1,369 for a 70-year-old.
70-year-old drivers pay 4% more for full coverage than 65-year-olds and 75-year-old drivers pays 16% more for a full coverage policy
The table below highlights the annual average rate increases for senior drivers in Idaho based on age and different coverage levels:
| Age | State minimum | Liability only | Full coverage |
|---|---|---|---|
| 65 | $343 | $428 | $1,312 |
| 70 | $362 | $447 | $1,369 |
| 75 | $413 | $503 | $1,554 |
Coverage types:
- Full coverage: 100/300/100 liability with $500 comp/coll Deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage only
Find out how much insurance costs for seniors
Cheapest car insurance for seniors with tickets in Idaho
A speeding ticket or other moving violation will raise your insurance rates regardless of your age. Insurers love statistics, and data show that a driver with a ticket on their record is more likely to get in an accident that may result in a claim.
The rate hike will differ between insurance companies, but Idaho drivers can expect a 27% increase in their premiums after receiving a speeding ticket for driving 1-29 mph over the limit.
Seniors with a speeding ticket or minor moving violation should expect to pay more for coverage. According to our analysis, the best insurance companies for seniors with tickets are mentioned below.
| Company | Annual rates with 1 speeding ticket | Monthly rates with 1 speeding ticket |
|---|---|---|
| State Farm | $1,098 | $92 |
| Auto-Owners | $1,163 | $97 |
| Geico | $1,384 | $115 |
| Travelers | $1,611 | $134 |
| Farmers | $1,915 | $160 |
| Allstate | $2,103 | $175 |
| Nationwide | $2,234 | $186 |
| USAA* | $897 | $75 |
Compare senior car insurance rates in neighboring states
Cheapest car insurance for seniors with DUIs in Idaho
A DUI is a serious driving violation; your insurance rates will soar once it hits your driving record. In most cases, your insurance premium will double if you have a DUI. According to CarInsurance.com in some states, the increase can be as much as 70% after your first DUI. If you manage to rack up a second DUI, the increase could be as much as 172%.
Getting affordable coverage (or any coverage) becomes challenging after a DUI, but our data show these are some affordable insurers for seniors with a DUI in Idaho:
| Company | Annual rates with DUI first offense | Monthly rates with DUI first offense |
|---|---|---|
| State Farm | $1,098 | $92 |
| Travelers | $1,684 | $140 |
| Auto-Owners | $1,979 | $165 |
| Farmers | $2,063 | $172 |
| Allstate | $2,446 | $204 |
| Nationwide | $3,042 | $254 |
| Geico | $3,688 | $307 |
| USAA* | $1,486 | $124 |
Cheapest car insurance for seniors after an accident in Idaho
Much like a ticket or DUI, having an accident on your driving record will raise your insurance rates. While the increase varies by insurer, our data show that drivers can expect their premium to jump by 55% after one at-fault accident with property damage exceeding $2,000.
Typically, the premium increase remains for three to five years, making it essential to find an affordable insurer. According to our data, the following companies provide the cheapest car insurance for seniors in Idaho after an accident.
| Company | Annual rates with 1 at-fault accident | Monthly rates with 1 at-fault accident |
|---|---|---|
| State Farm | $1,190 | $99 |
| Auto-Owners | $1,294 | $108 |
| Travelers | $1,571 | $131 |
| Nationwide | $1,988 | $166 |
| Geico | $2,009 | $167 |
| Farmers | $2,593 | $216 |
| Allstate | $2,911 | $243 |
| USAA* | $1,131 | $94 |
How can seniors save on car insurance in Idaho?
Auto insurance for seniors can be expensive, but there are ways to save. The following are easy ways to reduce your premiums:
- Shop around: Shopping regularly for car insurance – every six months or yearly around renewal time – can ensure you have the best price.
- Raise your deductible: Increasing your deductible from $500 to $1,000 can save you a bit of money every month – but make sure you have the necessary funds to cover the higher deductible.
- Ask about discounts: Discounts – bundling with homeowners insurance, loyalty discounts and discounts for years of being licensed – are a great way to save on your car insurance. More on discounts below.
Editor’s Tip:Take a senior driving course: With an approved defensive driving course, seniors can save up to 4% on their car insurance in Idaho. The American Automobile Association(AAA) and AARP offer defensive driving courses for senior drivers in Idaho.
Car insurance discounts for senior drivers in Idaho
Here are some car insurance discounts to help seniors reduce their insurance costs.
| Discount type | Potential annual savings |
|---|---|
| Air bags | 1% |
| Anti-theft device | 1% |
| Daily commute | 7% |
| Days advanced purchase | 6% |
| Days per week driven | 2% |
| Defensive driver | 4% |
| Education | 10% |
| Electronic funds transfer | 4% |
| Homeowner | 5% |
| Lower annual mileage | 6% |
| Loyalty – years renewal with company | 7% |
| Marital status | 4% |
| Multi policy | 8% |
| Paperless/electronic documents | 4% |
| Payment type | 9% |
| Primary use | 7% |
| Profession | 10% |
| Safety devices | 4% |
| Telematics | 14% |
| Years insured | 15% |
| Years licensed | 34% |
Choosing the cheapest and best car insurance for seniors in Idaho
Senior drivers, except teen drivers, shell out higher premiums than younger adult drivers. If you are looking for an affordable policy, carefully evaluate your needs and decide the amount of coverage to purchase. While shopping for insurance, consider the price, customer service and the discounts they offer.
Find the best auto insurance companies online to see which carrier provides affordable rates and easy-to-use websites or apps.
FAQ: Cheap car insurance for seniors in Idaho
Who has the cheapest state minimum auto insurance for seniors in Idaho?
Based on our data, $228 offers the lowest state minimum auto insurance rates for seniors in Idaho, at $228 yearly. State Farm and Geico also provide affordable rates on state minimum coverage for seniors in Idaho.
Which companies offer the cheapest liability car insurance for seniors in Idaho?
According to CarInsurance.com, Auto-Owners offers the cheapest liability car insurance for seniors in Idaho at $307 per year. Geico and State Farm also offer inexpensive rates.
Does State Farm offer a senior discount in Idaho?
State Farm doesn’t offer a specific senior discount in Idaho, but it provides several discounts that seniors can use to reduce their insurance rates. These include discounts for completing a defensive driving course, safe driving, being a long-term customer, bundling policies and vehicle advanced safety features.
Bottom line
A CarInsurance.com analysis found that Auto-Owners provides the cheapest full-coverage car insurance quotes for senior drivers in Idaho.
Shopping around and comparing online rates from different insurers can help seniors find the best car insurance deals. Additionally, senior drivers might qualify for discounts by taking defensive driving courses or bundling their car insurance with another policy.
Check out how to shop for car insurance for seniors
Resources & Methodology
Additional Resources
There are several resources available for older drivers who want to stay safe behind the wheel and save on their insurance premiums:
- American Automobile Association: AAA helps senior drivers to continue driving for as long and safely as possible.
- AARP (American Association of Retired Persons): AARP’s smart driver program helps senior drivers to learn proven driving techniques and save money on car insurance.
- National Institute on Aging: The NIA provides tips to senior drivers about health and driving and offers free publications to aging seniors to answer health-related queries.
- Fitness-to-Drive Screening Measure Online: This web-based tool helps family members identify at-risk drivers.
- Eldercare Locator: Helps senior drivers maintain their independence, and provides information about highway safety for aging drivers and services.
Sources:
- Centers for Disease Control & Prevention. “Older Adult Drivers.” Accessed March 2025.
- Insurance Institute for Highway Safety. “Fatality Facts 2021 Older People.” Accessed March 2025.
- National Safety Council. “Motor Vehicle: Age Group Comparisons.” Accessed March 2025.
- National Highway Traffic Safety Administration “U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS).” Accessed March 2025.
Methodology
CarInsurance.com gathered car insurance rates for senior drivers from Quadrant Information Services. The rates are for a full coverage policy with limits 100/300/100 and a $500 comprehensive and collision deductible based on sample profiles of 65, 70 & 75 year old male and female drivers with clean driving records. We have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 170 national and regional car insurance companies.
To determine car insurance rates for senior drivers with a history of traffic violations, CarInsurance.com used a sample profile of a 65-year-old driver who owns a Honda Accord LX. We have compared 50,73,544 insurance quotes from 138 companies across 1,468 ZIP codes.
Car insurance rates are calculated by evaluating the sample profile of a 65-year-old male and female driver with the following incidents applied
- One at-fault property damage accident over $2K
- One at-fault property damage accident under $2K
- At-fault bodily injury accidents
- DUI/DWI first offense.
- Speeding ticket (1-10 MPH over the limit,11-29 MPH over the limit & 30+ over limit)
These are sample rates and should only be used for comparison purposes.
Note: USAA is only available to military community members and their families.
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