INSURANCE - CAR INSURANCE

Average Cost of Car Insurance in Idaho for 2024

Updated Jan. 18, 2024
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Progressive is generally the cheapest car insurance in Idaho for full coverage policies.

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If you’re new to the Gem State, you may be pleasantly surprised by how inexpensive car insurance is. The average cost of a full coverage policy is just $923 per year — compared to a national average of $1,582.

You could save even more money by enrolling in discount programs or shopping around. Continue reading to learn about typical car insurance rates in Idaho and tips to save on your premiums.

In this article

Key takeaways

  • The average cost of car insurance in Idaho is $923 per year for full coverage policies.
  • State minimum liability policies average $404 per year.
  • The average premium for teen drivers is $2,923 per year.

How much does car insurance cost in Idaho?

Car insurance in Idaho is relatively cheap. Full coverage policies that include liability, collision, and comprehensive protection average $923 per year, compared to the national average of $1,582. If you opt for state-minimum coverage, the average yearly cost is $404.

Avg. cost for full coverage Avg. cost for minimum coverage Cheapest insurance provider
$923/year $404/year Progressive
Avg. for young drivers Avg. cost for seniors Avg. for high-risk drivers
$2,923/year $1,107/year $1,421/year

Average cost of car insurance in Idaho by provider

Several insurance companies issue policies in Idaho. We found that Progressive has the lowest average premiums for full coverage policies, and Auto-Owners is the cheapest for state-minimum liability insurance.

Conversely, Allstate’s average premium for full coverage policies is $1,207 per year, more than double the annual cost of Progressive. That difference highlights the importance of shopping around to find the best rates.

Provider Full coverage Minimum liability coverage
American Family $1,083/year $579/year
Allstate $1,207/year $529/year
GEICO $849/year $320/year
Auto-Owners $750/year $204/year
Progressive $599/year $363/year
State Farm $621/year $238/year
USAA $615/year $205/year

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How does credit score affect car insurance rates in Idaho?

Insurance companies in Idaho are limited in how they can use consumer credit histories to determine premiums. Insurers cannot charge higher rates just because of poor credit; other factors must also be considered, including the individual’s driving record and location.

That said, your credit history does have an impact on your car insurance premiums. We found that those with poor credit pay hundreds more per year than those with excellent credit.

Credit health Avg. annual premium
Poor (550-649) $1,880/year
Average (650-699) $1,411/year
Good (700-749) $1,233/year
Excellent (750+) $1,037/year

Average car insurance rates for high-risk drivers in Idaho

Driving violations can cause your premiums to increase, but the effect in Idaho is less significant than in some other states. In some states, an at-fault accident will increase your premiums by $1,000 or more, but in Idaho, the average increase is just $679 per year.

Driving under the influence (DUI) conviction will have the most significant impact on your premiums, causing them to increase by about $1,089 per year.

Violation Avg. annual premium before violation* Avg. annual premium after violation Avg. cost increase
At-fault accident $923/year $1,602/year $679
DUI $923/year $2,012/year $1,089
Speeding ticket $923/year $1,363/year $440

*Assumes clean driving record with good credit

How does age affect car insurance rates in Idaho?

Idaho’s median age is lower than the national median as more young people move to the state and start families. However, households should be aware that insurance is much more expensive for teen drivers than for other groups. 

The average premium for 18-year-old drivers is $3,127 — more than three times the state average.

Age Avg. annual premium
18 $3,127/year
25 $1,100/year
30 $1,058/year
40 $1,064/year
60 $1,029/year

Idaho car insurance rates by city

In Idaho, drivers that live in Pocatello have the highest average premiums at $1,283 per year — significantly higher than the state average. According to NeighborhoodScout, Pocatello has a much higher rate of property crime than the rest of the state, so you’re more likely to be the victim of auto theft or vandalism.

City Avg. annual full-coverage premium
Pocatello $1,283/year
Idaho Falls $1,266/year
Caldwell $1,246/year
Nampa $1,232/year
Meridian $1,118/year
Boise City$1,020/year

ID’s minimum car insurance requirements

Idaho requires drivers to have insurance and carry proof of coverage whenever they get behind the wheel. Your policy must meet the following minimums:

  • $25,000 in bodily injury insurance for one person
  • $50,000 in bodily injury insurance for two or more people
  • $15,000 in property damage insurance

Those coverage limits are quite low. Since the Insurance Research Council reports that 13.2% of drivers in Idaho are uninsured, spending a little more on a full coverage policy can provide essential protection for you and your vehicle.

How to save money on car insurance in Idaho

If you live in Idaho, you can use these tips to save money on your car insurance policy:

  • Boost your deductible: The deductible is how much money you have to pay for your vehicle to be repaired or for injuries before your insurer will cover the bill. If you increase it — for example, setting it at $1,000 instead of $500 — your premiums will decrease.
  • Enroll in discount programs: Insurance companies often have multiple discount programs, such as discounts for bundling auto coverage with homeowners insurance, insuring multiple vehicles, or maintaining good grades in school. Contact your agent to see if there are any discounts you’re eligible for to reduce your premiums.
  • Sign up for usage-based insurance: If you have a short commute or work from home, usage-based insurance — which bases your premiums on your mileage and driving habits — could allow you to save a significant amount of money. In Idaho, several insurers offer usage-based coverage, including Allstate, Progressive, and State Farm.
  • Get quotes from other companies: The price difference between companies for the same coverage can be substantial. Shop around and get quotes from the best car insurance companies to find out which insurer offers the lowest rates.

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in ID

Is car insurance expensive in ID?

Car insurance is fairly inexpensive in Idaho. Full coverage policies average $923 per year, compared to the national average of $1,582.

How much is car insurance per year in ID?

The average cost of car insurance in Idaho is $923 per year for full coverage insurance. State-minimum liability policies average $404 per year. 

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Author Details

Kat Tretina Kat Tretina is a personal finance expert focusing on practical financial matters, including student loans, debt repayment, side hustles, insurance, and healthcare. Drawing from her personal experience, she aims to simplify complex financial topics and provide individuals with the information they need to make informed decisions.