In Idaho, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Idaho by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Idaho
In Idaho, Honda CR-V and Subaru Forester have the cheapest car insurance rates, followed by Hyundai Venue and Chrysler Voyager, based on our research.
The table below highlights the most affordable vehicles to insure in Idaho, including their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda CR-V | $623 |
| Subaru Forester | $629 |
| Hyundai Venue | $632 |
| Chrysler Voyager | $644 |
| Mini Cooper Electric | $647 |
| Chevrolet TrailBlazer | $650 |
| Kia Niro EV | $653 |
| Volkswagen Tiguan | $654 |
| Honda HR-V | $654 |
| Chevrolet Trax | $654 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Idaho
Auto insurance rates differ based on the type of vehicle. Typically, Van models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in Idaho
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $688. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Honda Accord ranks second on our list with an insurance cost of $753, followed by Nissan Versa, which costs $767 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Idaho and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $688 |
| Honda Accord | $753 |
| Nissan Versa | $767 |
| Kia Forte | $772 |
| Volkswagen Jetta | $776 |
| Honda Civic Sedan | $785 |
| Toyota Camry | $787 |
| Nissan Sentra | $788 |
| Toyota Corolla | $798 |
| Kia K5 | $808 |
| Hyundai Elantra | $814 |
| Chevrolet Malibu | $816 |
| Volkswagen Jetta GLI | $818 |
| Nissan Altima | $827 |
| Mazda 3 Sedan | $837 |
| Hyundai Sonata | $841 |
| Mitsubishi Mirage G4 | $859 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Idaho
The Honda CR-V and Subaru Forester are the cheapest SUVs to insure in Idaho, with an average cost of $623 and $629 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda CR-V | $623 |
| Subaru Forester | $629 |
| Chevrolet TrailBlazer | $650 |
| Volkswagen Tiguan | $654 |
| Honda HR-V | $654 |
| Chevrolet Trax | $654 |
| Kia Sportage | $658 |
| Kia Seltos | $659 |
| Mazda CX-5 | $660 |
| Toyota Corolla Cross | $660 |
| Honda Pilot | $668 |
| Hyundai Kona | $671 |
| Chevrolet Equinox | $671 |
| Ford Escape | $673 |
| Hyundai Tucson | $675 |
| Jeep Wrangler | $676 |
| Mazda CX-30 | $678 |
| Ford Bronco Sport | $687 |
| Subaru Crosstrek | $688 |
| Volkswagen Taos | $689 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Idaho
Sports cars are typically expensive to insure due to their high-performance engines (which make speeding easier and increase the risk of tickets and accidents), expensive replacement parts and higher theft rates.
But some makes and models are still affordable to insure. For instance, the Mazda MX-5 Miata is one of the most inexpensive models on our list, with an average cost of $695.
See the table below for average full coverage car insurance rates of different sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $695 |
| Chevrolet Camaro | $833 |
| Honda Civic Si | $835 |
| Ford Mustang | $919 |
| Subaru WRX | $973 |
| Toyota GR86 | $1,026 |
| Toyota GR Supra | $1,044 |
| BMW Z4 | $1,065 |
| Subaru BRZ | $1,067 |
| Toyota GR Corolla | $1,091 |
| Honda Civic Type R | $1,104 |
| Chevrolet Camaro ZL1 | $1,154 |
| Porsche 718 Boxster | $1,182 |
| Chevrolet Corvette | $1,202 |
| Nissan Z | $1,265 |
| Porsche 718 Cayman | $1,325 |
| Jaguar F-Type | $1,501 |
| Chevrolet Corvette Z06 | $1,585 |
| Porsche 911 | $1,625 |
| Porsche 911 Turbo | $1,764 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Idaho
Luxury vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $681, the Acura RDX ranks as the most affordable luxury car to insure, followed closely by Lincoln Corsair at $751 and the Volvo XC40 at $758.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $681 |
| Lincoln Corsair | $751 |
| Volvo XC40 | $758 |
| Acura MDX | $767 |
| Cadillac XT4 | $777 |
| Cadillac XT5 | $795 |
| Volvo XC60 | $806 |
| BMW X3 | $814 |
| Mercedes-Benz GLA-Class | $818 |
| Lexus RX | $834 |
| Acura Integra | $837 |
| Mercedes-Benz GLB-Class | $838 |
| Audi Q3 | $839 |
| Lincoln Aviator | $854 |
| BMW X2 | $854 |
| Lexus NX | $855 |
| Cadillac XT6 | $867 |
| Land Rover Discovery Sport | $873 |
| BMW X1 | $873 |
| Acura TLX | $881 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Idaho
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $1,979 annually, which breaks down to $165 monthly.
The table below highlights the most affordable EVs to insure in Idaho, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $647 |
| Kia Niro EV | $653 |
| Hyundai Kona Electric | $656 |
| Volkswagen ID.4 | $703 |
| Nissan Leaf | $741 |
| Chevrolet Silverado EV | $772 |
| Toyota bZ4X | $806 |
| Ford F-150 Lightning | $815 |
| Hyundai Ioniq 5 | $837 |
| Audi Q4 e-tron | $840 |
| Mercedes-Benz EQB | $865 |
| Ford Mustang Mach-E | $870 |
| Subaru Solterra | $871 |
| Kia EV6 | $913 |
| Volvo XC40 Recharge | $920 |
| Cadillac LYRIQ | $923 |
| Hyundai Ioniq 6 | $944 |
| Polestar 2 | $980 |
| Genesis GV60 | $986 |
| Chevrolet Blazer EV | $995 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Idaho
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $2,572 to insure a Subaru Forester, while insuring a Honda CR-V costs $2,592 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Speak with a friendly agent and get your quote in minutes!
Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Idaho?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $647 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Kia Niro EV is $653, according to our analysis.
Which SUVs are the cheapest to insure in Idaho?
The Honda CR-V is one of the cheapest SUVs to insure in Idaho, with an average cost of $623 for a six-month car insurance plan. The Subaru Forester and Chevrolet TrailBlazer also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in Idaho?
The Subaru Forester, Honda CR-V, Chrysler Voyager and Subaru Outback are some of the cheapest cars to insure for an 18-year-old driver in Idaho. On the other hand, Maserati Quattroporte, Maserati Ghibli and Audi RS7 are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
