The type of vehicle you own in Idaho can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in Idaho for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in Idaho
The Honda CR-V and Subaru Forester are the cheapest vehicles to insure in Idaho, closely followed by the Hyundai Venue and Chrysler Voyager, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Idaho and 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
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Idaho
Our data shows that Subaru Legacy is the most affordable sedan to insure in Idaho. Its average six-month full coverage cost is $688 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Honda Accord takes the second spot at $753, while the Nissan Versa comes in third with an average cost of $767.
The table below shows the cheapest sedans to insure in Idaho and their average full coverage six-month costs.
| 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
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $695.
The table below compares car insurance rates for different sports cars in Idaho
| 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 cars are equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Acura RDX has the lowest insurance cost at $681 for a six-month full coverage policy. The Lincoln Corsair and Volvo XC40 also have affordable insurance rates at $751 and $758, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| 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
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Subaru Forester costs an average of $2,572 to insure for an 18-year-old driver, whereas a Honda CR-V costs an average of $2,592 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
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?
In Idaho, insuring a Honda CR-V SUV costs about $623 for six months, making it one of the most affordable options. The Subaru Forester and Chevrolet TrailBlazer also have cheap car insurance rates.
What are the cheapest cars to insure for teen drivers in Idaho?
The Subaru Forester, Honda CR-V, Chrysler Voyager and Subaru Outback are among the most affordable cars to insure for 18-year-old drivers in Idaho. On the other hand, vehicles like the Maserati Quattroporte, Maserati Ghibli and Audi RS7 come with higher insurance costs for young drivers.
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.
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