- 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 costs in Idaho vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. State Farm offers the cheapest annual rates for full coverage car insurance in Idaho at $1,313 annually.
This comprehensive guide to buying car insurance for Idaho drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Idaho works and how much insurance you need.
How much is car insurance in Idaho?
According to CarInsurance.com data, drivers in Idaho pay about $158 per month for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
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
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 policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Idaho car insurance costs for three 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
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.
In Idaho, you can get state minimum car insurance for $534 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Idaho must be aware of the minimum insurance coverage requirements to stay 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
In Idaho, you can expect to pay around $1,901 per year for full coverage car insurance 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 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
High-risk drivers in Idaho pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
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 the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and 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 car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Idaho by getting quotes from different insurance companies.
Below are the details of Idaho car insurance companies and their 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 Idaho’s most expensive city for car insurance at an average cost of $1,960 annually. Meridian is the state’s least expensive city, with an average car insurance rate of $1,661 annually.
Car insurance costs differ from city to city in Idaho, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall 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?
Car insurance in Idaho costs an average of $158 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| 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 April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 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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