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Average cost of car insurance in Idaho for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Idaho?
The cost of car insurance in Idaho depends on a variety of factors, including your age, driving history, claims record, ZIP code and more. Knowing on average how much car insurance is in Idaho can help you compare rates and make the best choice for your own policy. In Idaho, full coverage costs an average of $1,370 annually, while minimum coverage costs $359. Although minimum coverage is typically cheaper than full coverage, keep in mind that it provides limited financial protection in the event of an accident.
To determine average costs for car insurance in Idaho, Bankrate reviewed quoted premiums from Quadrant Information Services. In choosing top-rated providers, we also considered insurers’ third-party rankings per J.D. Power, financial strength per AM Best, coverage options, digital tool availability, discount opportunities and more. Then, we calculated a Bankrate Score on a 5.0 scale for each company. The higher the Bankrate Score, the better.
Key takeaways
- The average cost of state-mandated liability coverage in Idaho is $359 per year while full coverage, which typically adds on collision and comprehensive insurance, costs an average of $1,370.
- Residents of Boise have some of the lowest rates in the state, paying an average of $1,257 for full coverage.
- Drivers with excellent credit history pay an average of just $1,234 per year for full coverage.
- Those with a DUI conviction pay an average of $2,229 per year for full coverage.
What would you like to do today?
Idaho car insurance rates by city
The city you live in, as well as your ZIP code, impacts car insurance rates in Idaho. Frequency of claims, crime rates and population density are a few factors insurance companies use to determine rates for each city. Bankrate’s research has found that Boise and Meridian have some of the cheapest full coverage rates of large Idaho cities, with average rates that are 9 percent less than the state average.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|---|
| Plummer | $126 | $1,507 | +9% |
| Porthill | $128 | $1,537 | +11% |
| Priest River | $127 | $1,528 | +11% |
| Sagle | $127 | $1,519 | +10% |
| Spirit Lake | $122 | $1,468 | +7% |
| Post Falls | $117 | $1,404 | +2% |
| Smelterville | $123 | $1,477 | +7% |
| Troy | $117 | $1,406 | +3% |
| Viola | $119 | $1,423 | +4% |
| Castleford | $111 | $1,336 | -3% |
| Hailey | $115 | $1,376 | +0% |
| Hill City | $116 | $1,390 | +1% |
| Idaho Falls | $120 | $1,443 | +5% |
| Tetonia | $124 | $1,484 | +8% |
| North Fork | $122 | $1,462 | +6% |
| Lucile | $121 | $1,453 | +6% |
| Greenleaf | $113 | $1,355 | -1% |
| Hammett | $111 | $1,333 | -3% |
| Lake Fork | $117 | $1,402 | +2% |
| Boise | $105 | $1,257 | -9% |
| Elk River | $123 | $1,470 | +7% |
| Harrison | $122 | $1,468 | +7% |
| Nordman | $126 | $1,516 | +10% |
| Medimont | $123 | $1,474 | +7% |
| Moscow | $117 | $1,405 | +3% |
| Naples | $127 | $1,523 | +11% |
| Genesee | $117 | $1,407 | +3% |
| Hayden | $120 | $1,436 | +5% |
| Osburn | $123 | $1,475 | +7% |
| Fernwood | $124 | $1,487 | +8% |
| Orofino | $126 | $1,513 | +10% |
| Riggins | $124 | $1,486 | +8% |
| Caldwell | $114 | $1,373 | +0% |
| Garden Valley | $115 | $1,377 | +1% |
| Homedale | $116 | $1,390 | +1% |
| Idaho City | $115 | $1,384 | +1% |
| Meridian | $106 | $1,268 | -8% |
| New Meadows | $117 | $1,409 | +3% |
| New Plymouth | $112 | $1,340 | -2% |
| Blackfoot | $122 | $1,464 | +7% |
| Malad City | $119 | $1,428 | +4% |
| May | $121 | $1,450 | +6% |
| Rockland | $117 | $1,410 | +3% |
| Rogerson | $111 | $1,334 | -3% |
| Buhl | $112 | $1,338 | -2% |
| Murtaugh | $112 | $1,346 | -2% |
| Lewisville | $122 | $1,463 | +7% |
| Newdale | $120 | $1,444 | +5% |
| Rexburg | $119 | $1,424 | +4% |
| Craigmont | $125 | $1,501 | +9% |
| Greencreek | $124 | $1,486 | +8% |
| Lapwai | $119 | $1,427 | +4% |
| Nezperce | $124 | $1,494 | +9% |
| Bayview | $126 | $1,510 | +10% |
| Pierce | $127 | $1,522 | +11% |
| Weippe | $126 | $1,516 | +10% |
| Winchester | $124 | $1,492 | +9% |
| Parma | $111 | $1,332 | -3% |
| Nampa | $112 | $1,349 | -2% |
| Careywood | $127 | $1,523 | +11% |
| Clark Fork | $126 | $1,517 | +10% |
| Coeur D Alene | $118 | $1,417 | +3% |
| Kingston | $123 | $1,477 | +8% |
| Rathdrum | $121 | $1,451 | +6% |
| Saint Maries | $126 | $1,514 | +10% |
| Wallace | $121 | $1,457 | +6% |
| Pinehurst | $124 | $1,482 | +8% |
| Worley | $122 | $1,467 | +7% |
| Bancroft | $119 | $1,424 | +4% |
| Conda | $120 | $1,441 | +5% |
| Ponderay | $127 | $1,524 | +11% |
| Hansen | $112 | $1,344 | -2% |
| Heyburn | $113 | $1,356 | -1% |
| Jerome | $112 | $1,347 | -2% |
| Kimberly | $113 | $1,357 | -1% |
| Malta | $114 | $1,369 | -0% |
| Wendell | $111 | $1,337 | -2% |
| Iona | $121 | $1,449 | +6% |
| Elk City | $123 | $1,478 | +8% |
| Fenn | $122 | $1,464 | +7% |
| Lenore | $122 | $1,469 | +7% |
| Calder | $123 | $1,475 | +7% |
| Coolin | $126 | $1,514 | +10% |
| Desmet | $123 | $1,475 | +7% |
| Laclede | $127 | $1,521 | +10% |
| Pocatello | $118 | $1,413 | +3% |
| Atomic City | $121 | $1,454 | +6% |
| Ellis | $118 | $1,417 | +3% |
| Cataldo | $121 | $1,457 | +6% |
| Oldtown | $127 | $1,520 | +10% |
| Deary | $118 | $1,416 | +3% |
| Princeton | $117 | $1,407 | +3% |
| Silverton | $123 | $1,475 | +7% |
| Mountain Home | $107 | $1,281 | -7% |
| Mountain Home A F B | $108 | $1,300 | -5% |
| Sweet | $112 | $1,342 | -2% |
| Cocolalla | $127 | $1,522 | +11% |
| Harvard | $116 | $1,397 | +2% |
| Kootenai | $127 | $1,521 | +10% |
| Moyie Springs | $128 | $1,532 | +11% |
| Aberdeen | $119 | $1,429 | +4% |
| Basalt | $123 | $1,472 | +7% |
| Bern | $119 | $1,431 | +4% |
| Clifton | $120 | $1,437 | +5% |
| Inkom | $117 | $1,408 | +3% |
| Lava Hot Springs | $118 | $1,415 | +3% |
| Mackay | $118 | $1,421 | +4% |
| Moore | $119 | $1,428 | +4% |
| Saint Charles | $119 | $1,426 | +4% |
| American Falls | $117 | $1,401 | +2% |
| Arimo | $119 | $1,426 | +4% |
| Corral | $116 | $1,388 | +1% |
| Paul | $113 | $1,359 | -1% |
| Rupert | $113 | $1,360 | -1% |
| Sun Valley | $115 | $1,377 | +0% |
| Ashton | $121 | $1,448 | +6% |
| Chester | $120 | $1,437 | +5% |
| Felt | $122 | $1,470 | +7% |
| Parker | $120 | $1,443 | +5% |
| Rigby | $122 | $1,463 | +7% |
| Leadore | $122 | $1,468 | +7% |
| Salmon | $122 | $1,467 | +7% |
| Ahsahka | $126 | $1,511 | +10% |
| Juliaetta | $118 | $1,419 | +4% |
| Kooskia | $124 | $1,491 | +8% |
| Challis | $119 | $1,428 | +4% |
| Soda Springs | $118 | $1,418 | +3% |
| Holbrook | $120 | $1,435 | +5% |
| Howe | $119 | $1,434 | +5% |
| Montpelier | $119 | $1,426 | +4% |
| Bloomington | $119 | $1,424 | +4% |
| Cobalt | $121 | $1,457 | +6% |
| Dingle | $120 | $1,435 | +5% |
| Firth | $123 | $1,481 | +8% |
| Geneva | $120 | $1,441 | +5% |
| Wayan | $118 | $1,419 | +4% |
| Weston | $120 | $1,436 | +5% |
| Athol | $125 | $1,499 | +9% |
| Pollock | $124 | $1,488 | +8% |
| Stites | $122 | $1,468 | +7% |
| Donnelly | $114 | $1,369 | -0% |
| Grand View | $117 | $1,399 | +2% |
| Kuna | $108 | $1,298 | -5% |
| Melba | $111 | $1,332 | -3% |
| Ola | $113 | $1,351 | -1% |
| Bonners Ferry | $128 | $1,532 | +11% |
| Avery | $122 | $1,459 | +6% |
| Blanchard | $124 | $1,490 | +8% |
| Cambridge | $117 | $1,403 | +2% |
| Indian Valley | $113 | $1,358 | -1% |
| King Hill | $111 | $1,326 | -3% |
| Terreton | $121 | $1,453 | +6% |
| Teton | $120 | $1,435 | +5% |
| Ferdinand | $126 | $1,510 | +10% |
| Kamiah | $124 | $1,493 | +9% |
| Almo | $113 | $1,360 | -1% |
| Burley | $114 | $1,372 | +0% |
| Declo | $114 | $1,364 | -0% |
| Fairfield | $116 | $1,394 | +2% |
| Island Park | $121 | $1,451 | +6% |
| Roberts | $122 | $1,468 | +7% |
| Swan Valley | $119 | $1,426 | +4% |
| Marsing | $116 | $1,391 | +2% |
| Wilder | $112 | $1,344 | -2% |
| Clarkia | $121 | $1,456 | +6% |
| Eastport | $127 | $1,524 | +11% |
| Mullan | $123 | $1,472 | +7% |
| Emmett | $110 | $1,323 | -3% |
| Payette | $111 | $1,337 | -2% |
| Warren | $122 | $1,468 | +7% |
| Bruneau | $118 | $1,412 | +3% |
| Eagle | $108 | $1,300 | -5% |
| Horseshoe Bend | $114 | $1,371 | +0% |
| Mesa | $115 | $1,382 | +1% |
| Middleton | $111 | $1,331 | -3% |
| Clayton | $118 | $1,419 | +4% |
| Preston | $120 | $1,443 | +5% |
| Garden City | $105 | $1,264 | -8% |
| Twin Falls | $113 | $1,352 | -1% |
| Picabo | $115 | $1,378 | +1% |
| Ririe | $121 | $1,451 | +6% |
| Sugar City | $119 | $1,425 | +4% |
| Lemhi | $121 | $1,454 | +6% |
| Tendoy | $122 | $1,459 | +6% |
| Carey | $115 | $1,384 | +1% |
| Oakley | $112 | $1,348 | -2% |
| Macks Inn | $121 | $1,446 | +5% |
| Hagerman | $112 | $1,338 | -2% |
| Driggs | $124 | $1,487 | +8% |
| Irwin | $119 | $1,431 | +4% |
| Carmen | $122 | $1,468 | +7% |
| Shoup | $120 | $1,439 | +5% |
| Arbon | $116 | $1,395 | +2% |
| Franklin | $121 | $1,450 | +6% |
| Pingree | $121 | $1,457 | +6% |
| Shelley | $122 | $1,468 | +7% |
| Swanlake | $118 | $1,419 | +4% |
| Glenns Ferry | $111 | $1,328 | -3% |
| Letha | $111 | $1,333 | -3% |
| Lowman | $114 | $1,369 | -0% |
| Murphy | $117 | $1,399 | +2% |
| Weiser | $114 | $1,364 | -0% |
| Yellow Pine | $114 | $1,369 | -0% |
| Bellevue | $115 | $1,379 | +1% |
| Gooding | $111 | $1,335 | -3% |
| Hope | $126 | $1,511 | +10% |
| Kellogg | $124 | $1,486 | +8% |
| Potlatch | $117 | $1,406 | +3% |
| Sandpoint | $126 | $1,511 | +10% |
| Colburn | $126 | $1,508 | +10% |
| Santa | $125 | $1,495 | +9% |
| Tensed | $124 | $1,492 | +9% |
| Georgetown | $119 | $1,434 | +5% |
| Thatcher | $120 | $1,442 | +5% |
| Peck | $120 | $1,438 | +5% |
| Reubens | $123 | $1,471 | +7% |
| Council | $117 | $1,408 | +3% |
| Midvale | $113 | $1,359 | -1% |
| Star | $108 | $1,301 | -5% |
| White Bird | $123 | $1,474 | +7% |
| Banks | $114 | $1,373 | +0% |
| Cascade | $115 | $1,377 | +1% |
| Fruitland | $111 | $1,330 | -3% |
| Mccall | $114 | $1,373 | +0% |
| Arco | $119 | $1,429 | +4% |
| Dayton | $120 | $1,444 | +5% |
| Springfield | $119 | $1,430 | +4% |
| Stanley | $118 | $1,417 | +3% |
| Bovill | $118 | $1,418 | +3% |
| Eden | $111 | $1,337 | -2% |
| Richfield | $115 | $1,383 | +1% |
| Dubois | $120 | $1,437 | +5% |
| Hamer | $121 | $1,449 | +6% |
| Menan | $121 | $1,458 | +6% |
| Saint Anthony | $120 | $1,436 | +5% |
| Spencer | $121 | $1,451 | +6% |
| Victor | $125 | $1,499 | +9% |
| Cottonwood | $125 | $1,495 | +9% |
| Culdesac | $119 | $1,430 | +4% |
| Grangeville | $122 | $1,463 | +7% |
| Kendrick | $121 | $1,450 | +6% |
| Grace | $119 | $1,424 | +4% |
| Mccammon | $117 | $1,406 | +3% |
| Fish Haven | $119 | $1,433 | +4% |
| Bliss | $111 | $1,335 | -3% |
| Hazelton | $111 | $1,335 | -3% |
| Shoshone | $115 | $1,380 | +1% |
| Monteview | $121 | $1,452 | +6% |
| Gibbonsville | $122 | $1,465 | +7% |
| Lewiston | $117 | $1,399 | +2% |
| Placerville | $113 | $1,360 | -1% |
| Albion | $114 | $1,367 | -0% |
| Dietrich | $115 | $1,386 | +1% |
| Filer | $113 | $1,358 | -1% |
| Ketchum | $114 | $1,365 | -0% |
| Downey | $120 | $1,444 | +5% |
Average car insurance costs by age and gender in Idaho
In most states, including Idaho, a driver's age and gender greatly impact car insurance rates. The tables below show rates for 16-year-olds on their parents’ policy, as most drivers under 18 don’t qualify for an individual policy. Older drivers on their own policy can typically get cheaper rates because they have more experience behind the wheel and are statistically less likely to be involved in an accident.
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in ID
$3,017
|
Average minimum coverage premium in ID
$882
|
|
Age 18
|
Average annual full coverage premium in ID
$4,444
|
Average minimum coverage premium in ID
$1,378
|
|
Age 20
|
Average annual full coverage premium in ID
$3,306
|
Average minimum coverage premium in ID
$907
|
|
Age 25
|
Average annual full coverage premium in ID
$1,827
|
Average minimum coverage premium in ID
$476
|
|
Age 30
|
Average annual full coverage premium in ID
$1,505
|
Average minimum coverage premium in ID
$382
|
|
Age 40
|
Average annual full coverage premium in ID
$1,387
|
Average minimum coverage premium in ID
$357
|
|
Age 50
|
Average annual full coverage premium in ID
$1,272
|
Average minimum coverage premium in ID
$338
|
|
Age 60
|
Average annual full coverage premium in ID
$1,227
|
Average minimum coverage premium in ID
$334
|
|
Age 70
|
Average annual full coverage premium in ID
$1,368
|
Average minimum coverage premium in ID
$393
|
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in ID
$2,680
|
Average minimum coverage premium in ID
$811
|
|
Age 18
|
Average annual full coverage premium in ID
$3,945
|
Average minimum coverage premium in ID
$1,215
|
|
Age 20
|
Average annual full coverage premium in ID
$2,801
|
Average minimum coverage premium in ID
$811
|
|
Age 25
|
Average annual full coverage premium in ID
$1,648
|
Average minimum coverage premium in ID
$458
|
|
Age 30
|
Average annual full coverage premium in ID
$1,438
|
Average minimum coverage premium in ID
$382
|
|
Age 40
|
Average annual full coverage premium in ID
$1,353
|
Average minimum coverage premium in ID
$361
|
|
Age 50
|
Average annual full coverage premium in ID
$1,184
|
Average minimum coverage premium in ID
$337
|
|
Age 60
|
Average annual full coverage premium in ID
$1,194
|
Average minimum coverage premium in ID
$331
|
|
Age 70
|
Average annual full coverage premium in ID
$1,320
|
Average minimum coverage premium in ID
$382
|
Bankrate’s take: In every state except California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania, car insurance carriers are permitted to use gender when determining a driver’s premium. Because women tend to file fewer claims, car insurance rates for women are often nominally lower than rates for men in the same state.
Cost considerations for young drivers in Idaho
Young drivers cannot purchase their own car insurance policy until they turn 18. However, those ages 18 to 25 may want to consider staying on their parents' policy, if possible, since coverage would likely cost less than if they have their own policy, as shown in the chart below.
|
|
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in ID
$2,849
|
|
Age 17
|
Avg. annual premium for drivers in ID
$2,560
|
|
Age 18
|
Avg. annual premium for drivers in ID
$2,401
|
|
Age 19
|
Avg. annual premium for drivers in ID
$2,184
|
|
Age 20
|
Avg. annual premium for drivers in ID
$2,070
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in ID
$4,195
|
|
Age 19
|
Avg. annual premium for drivers in ID
$3,458
|
|
Age 20
|
Avg. annual premium for drivers in ID
$3,054
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 75 percent more |
| Age 19 | 58 percent more |
| Age 20 | 48 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in Idaho?
Being at fault for an accident or getting a speeding ticket are two ways your car insurance premium could sharply increase upon your policy’s renewal. According to the rates we compared, a DUI conviction increases rates that much more.
Here are average rates for Idaho drivers with various marks on their driving records:
|
|
|
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in ID
$1,370
|
Percentage increase from ID avg. annual premium*
0%
|
|
Avg. annual premium* in ID
$1,589
|
Percentage increase from ID avg. annual premium*
16%
|
|
|
Avg. annual premium* in ID
$1,882
|
Percentage increase from ID avg. annual premium*
37%
|
|
|
Avg. annual premium* in ID
$2,229
|
Percentage increase from ID avg. annual premium*
63%
|
Car insurance rates in Idaho by credit score
Having an excellent credit history may earn you a rate that is below the state average because actuarial data show that drivers with good credit tend to file fewer claims. Conversely, poor credit is correlated with a higher likelihood of claims, resulting in a higher cost of car insurance, as shown here.
|
|
|
|
|---|---|---|
|
Avg. annual premium* in ID
$2,048
|
Percentage difference from ID avg. annual premium*
50%
|
|
|
Average
|
Avg. annual premium* in ID
$1,454
|
Percentage difference from ID avg. annual premium*
6%
|
|
Avg. annual premium* in ID
$1,370
|
Percentage difference from ID avg. annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in ID
$1,234
|
Percentage difference from ID avg. annual premium*
-10%
|
Idaho car insurance rates by vehicle type
How much car insurance is in Idaho depends partly on the make and model of your vehicle. If you own a luxury or sports car that requires pricey or imported parts for repair, the vehicle may cost more to insure than a domestic vehicle that is not prone to expensive repair costs. You may also pay more if your car has a high theft rate. Here are the average rates for some common makes and models.
|
|
|
|---|---|
|
Avg. annual premium* in ID
$1,370
|
|
|
Avg. annual premium* in ID
$1,261
|
|
|
Avg. annual premium* in ID
$1,157
|
|
|
BMW 330i
|
Avg. annual premium* in ID
$1,705
|
|
Toyota Prius
|
Avg. annual premium* in ID
$1,435
|
Estimate your car insurance cost in Idaho
There are several major factors that inform Idaho car insurance rates, so it can be difficult to figure out on your own if you’re getting a fair quote. That’s why Bankrate created the calculator tool below. Just enter some basic information, and you’ll get a rough estimate of your insurance premium. It’s not an exact quote, but it can give you a good idea of what to expect and help you budget for insurance.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How to save on car insurance in Idaho
There are ways to mitigate steep car insurance rates in Idaho. First and foremost, maintaining a clean driving record will keep costs in check. A single DUI conviction in Idaho could raise your premium by an average of 65 percent. Here are some other ways to secure affordable car insurance in ID:
- Research your vehicle before you buy: Some cars are cheaper to insure than others. Sports cars, 4x4s and higher-value vehicles are commonly among the most expensive to insure. Getting a car insurance quote before you buy can help you find the best car to fit your budget.
- Increase your deductible: The deductible is the amount you pay before your coverage kicks in when you have full coverage. Increasing your deductible may result in a reduced premium price. Be careful, however, that you only increase your deductible to an amount you would be comfortable paying out of pocket if you have an approved claim on your policy.
- Drive safely: As we noted above, a clean driving record is likely to earn you a lower premium rate. If you've had marks on your record in the past, you may want to consider taking a defensive driving course to brush up on your driving skills. Many insurers will even give you a discount for taking one.
- Utilize discounts: Almost all carriers offer at least a few discounts to their policyholders. Many of these are easy to earn. You might be eligible for a discount, for example, if your car has airbags and antilock brakes. Other possible discounts may include paying your premium in full, receiving your documents via email rather than postal mail and, for teen drivers, maintaining a good grade point average.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.