- The average cost of car insurance in Idaho is $1,901 a year or $158 per month, based on our data analysis.
- Minimum liability coverage in Idaho costs around $534 annually for limits of 25/50/15, while liability-only coverage costs $577 per year for limits of 50/100/50.
- State Farm provides the most affordable annual rates for full coverage car insurance in Idaho, costing $1,313 per year.
- In Idaho, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 37%, a DUI raising rates by 77%, and an at-fault accident by up to 52%.
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 State Farm offers the most affordable car insurance at $1,313 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 car insurance works in Idaho and how much you need.
How much is car insurance in Idaho?
In Idaho, drivers pay an average of $158 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Idaho based on driver profile:
- Teen drivers in Idaho pay the most – about $501 a month or $6,015 a year.
- Young drivers in their 20s pay an average of $260 monthly or $3,115 annually, for car insurance.
- Senior drivers pay around $158 monthly or $1,901 a year.
- A speeding ticket can increase your rates to $217 monthly or $2,607 annually.
- An at-fault accident increases car insurance rates to $241 a month or $2,893 a year.
- Poor credit drivers usually see their car insurance costs increase to $240 monthly or $2,881 annually.
Average cost of auto insurance in Idaho by coverage level
In Idaho, car insurance rates can differ depending on how much coverage you choose. Drivers in Idaho are required by law to have minimum insurance coverage limits of 25/50/15 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Idaho, but it doesn’t offer adequate 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 costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Idaho for different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $44 | $534 |
| Liability Only – 50/100/50 BI/PD | $48 | $577 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $158 | $1,901 |
State minimum car insurance in Idaho
In Idaho, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $15,000 of property damage liability.
The state minimum coverage in Idaho costs $534 a year but doesn’t provide much protection for drivers. Idaho drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Idaho must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Idaho
Liability-only car insurance costs $577 in Idaho for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Idaho
On average, premiums for full coverage car insurance in Idaho cost $1,901 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Idaho
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
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.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
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 ( Full - 100/300/100)
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Estimate car insurance in Idaho by car model
In Idaho, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle 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
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Idaho, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,833 annually.
Idaho drivers aged 16-19 pay $4,182 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,015 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,982 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,833 per year in Idaho.
- For senior drivers: Drivers age 65 and older can expect to pay $1,901 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Idaho
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Idaho, a DUI conviction lead to increased rates and you may see a rate hike of up to 77% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Idaho, be prepared for your car insurance rates to rise by up to 37% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 37% increase
- DUI conviction: 77% increase
- At-fault accident (bodily injury and property damage): 52% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
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.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet 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
In Idaho, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Idaho by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Idaho, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| State Farm | $369 | $438 | $1,313 |
| GEICO | $248 | $283 | $1,360 |
| Travelers | $455 | $488 | $1,626 |
| Auto-Owners | $334 | $390 | $1,661 |
| Farmers | $442 | $477 | $1,723 |
| Nationwide | $854 | $725 | $1,811 |
| Farm Bureau Insurance of Idaho | $488 | $586 | $2,225 |
| Allstate | $588 | $589 | $2,536 |
| Dairyland | $1,029 | $1,221 | $2,885 |
Car insurance rates by city in Idaho
Rexburg is the priciest city in Idaho for car insurance, costing an average of $1,960 annually. On the other hand, Meridian is the most affordable city, where drivers pay an average of $1,661 per year for car insurance.
Car insurance premiums differ across cities in Idaho and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Idaho’s largest 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 $158 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 | Monthly rates |
|---|---|
| State Minimum BI/PD | $44 |
| Liability Only – 50/100/50 BI/PD | $48 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $158 |
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.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Idaho.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2026.
- USAA. “How credit affects insurance premiums.” Accessed March 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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