Average cost of car insurance in Idaho for 2025

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 $1,473 annually, while minimum coverage costs $369. 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. 

Key takeaways

• The average cost of state-mandated liability coverage in Idaho is $369 per year while full coverage, which typically adds on collision and comprehensive insurance, costs an average of $1,473.
• Residents of Boise have some of the lowest rates in the state, paying an average of $1,353 for full coverage.
• Drivers with excellent credit history pay an average of just $1,324 per year for full coverage.
• Those with a DUI conviction pay an average of $2,395 per year for full coverage.

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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.

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.

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.

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:

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.

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.

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.

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

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.