Compare the best rates from 31 car insurance companies in Idaho.
Across the Gem State, there are 98,132 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.
Compare quotes from over 30 insurance companies that provide coverage throughout Idaho. Enter your ZIP code below to get started.
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Idaho drivers without a recent traffic ticket typically save 19% on their car insurance, on average — well above the national average of 17%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
|Rating Factor||$ Savings||% Savings|
|No Traffic Tickets||$246||19.35%|
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Idaho is a relatively affordable state for teen drivers: the typical teen driver pays $3,550 per year — about $1,400 less than the national average for teens, but still approximately three times the average for all Idaho drivers.
|Age||Annual Rate with Parents||Annual Rate Alone|
If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 34% after a DUI, 31% after an at-fault accident, and 19% after a speeding ticket in Idaho. These post-incident rate hikes roughly align with national averages. If you have a clean recent driving history, be sure to inquire about your insurer's safe driver discount.
|Rating Factor||Annual Rate||% Increase|
Each and every car insurer brags about its cheap prices. But just like with any product, the cheapest auto insurance policy isn't always the best option. Considering the financial stakes, it's worthwhile to do the homework to obtain an insurance policy that covers your car completely after a collision. Work to find a great value, instead of settling for the most affordable auto insurance in Idaho.
Compare top insurers' financial strength and claims satisfaction levels to better understand the level of service you will receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — determines an insurer's financial stability and ability to meet its contractual and policy obligations.
|Insurance Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|American National||Not Rated||Excellent|
|Baldwin & Lyons||Not Rated||Superior|
|Farm Bureau of ID Group||Not Rated||Excellent|
The minimum insurance requirement in Idaho is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $15,000 Property Damage per accident.
If you select the minimum required coverage in Idaho, expect to pay a mean of $404 per year. This outlay is cheaper than the national average by 39%. If you opt for higher-level car insurance coverage, you can purchase a policy with comprehensive and collision coverage, insuring against damages caused by auto collisions, theft, or weather conditions. But better insurance coverage comes at a cost: in Idaho, a comprehensive insurance policy with a $1,000 deductible costs $917, 127% more than basic liability-only coverage. For a comprehensive policy with a $500 deductible, you can expect to pay 153% more than for liability-only coverage.
Compare average prices for basic, good, and great car insurance tiers below.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In Idaho, drivers are required to carry liability coverage at or above the below minimum levels:
If you receive a ticket or citation, your auto insurance rates may go up. How much your rates rise depends on the type of violation, your car insurance company's pricing standards, and differences in local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at average car insurance rates in Idaho after some common violations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$1,688||66%||$670|
|Refused Breathalyzer/Chemical Test||$1,607||58%||$589|
|Driving with a Suspended License||$1,477||45%||$459|
|Driving with an Open Container||$1,492||46%||$473|
|Operating a Vehicle Without Permission||$1,234||21%||$216|
|Passing a School Bus||$1,327||30%||$309|
|Following Too Closely||$1,156||14%||$138|
|Failure to Stop at a Red Light||$1,156||14%||$138|
|Driving Wrong Way/Wrong Lane||$1,143||12%||$125|
|Failure to Yield||$1,222||20%||$204|
|Speeding in a School Zone||$1,170||15%||$152|
|Driving Too Slowly||$1,185||16%||$166|
|Driving with Expired Registration||$1,031||1%||$13|
|Failure to Show Documents||$1,031||1%||$13|
|Failure to Use Child Safety Restraint||$1,022||0%||$3|
|Failure to Wear a Seat Belt||$1,082||6%||$64|
|Driving Without Lights||$1,022||0%||$3|
Car insurance in Idaho is reasonably priced. For a full coverage six-month policy, drivers pay $512. This is nearly $200 cheaper than the national average for car insurance.
For drivers in Idaho, full coverage consists of collision and comprehensive. Depending on your deductible, your rate for this coverage ranges from $458 to $512.
Idaho is not a no-fault state. You are required to pay for bodily injury damage you cause in an at-fault accident.
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Meridian, Idaho, and the most expensive in Moscow, Idaho.
|Rank||City||Avg. Annual Premium|