What's the Average Cost of Car Insurance in Idaho?
The typical driver in Idaho pays $84 per month for auto insurance. If you're paying too much, compare rates today and find an affordable policy.
The typical driver in Idaho pays $84 per month for auto insurance. If you're paying too much, compare rates today and find an affordable policy.
Auto insurance policies are generally inexpensive in Idaho. The average auto insurance premium in Idaho is $1,018 per year — less than the national average by 28.7%.
Car insurance premiums are affected by factors aside from geography. Car insurance rates price based on a number of factors, including one's marital status, driving history, credit rating, gender and age.
We assessed average Idaho car insurance prices by all of the significant pricing qualifications. Read on to learn how much car insurance costs in your location — or submit your ZIP code to see personalized rates side-by-side.
It's a common phenomenon: as you age, your car insurance prices shift. Generally, auto insurance is more expensive for young drivers, as insurers view inexperienced drivers as riskier to insure.
In Idaho, auto insurance runs $5,816 annually for a 16-year-old motorist, compared to $875 per year for a driver in his or her 50s.
| Age | Average Yearly Rate |
| 16 | $5,815.51 |
| 17 | $5,130.31 |
| 18 | $4,564.98 |
| 19 | $2,470.29 |
| 20s | $1,422.82 |
| 30s | $1,008.56 |
| 40s | $948.12 |
| 50s | $874.82 |
| 60s | $906.53 |
| 70s | $1,102.76 |
If you're shopping for car insurance for a teen driver, Idaho is the 19th-cheapest state in which to buy auto insurance for a 16-year-old.
While gender does not have as large an impact on car insurance premiums as a driver's location or age, it is utilized as a rating factor by underwriters.
| Gender | Average Annual Cost |
| Male | $1,023.51 |
| Female | $992.39 |
If you're concerned you aren't getting the best value for your money with your current car insurance company, the best course of action is to compare offerings from a variety of insurance companies.
One of the pros of getting hitched — aside from the wedding gifts — is the better deal you typically receive on your car insurance policy. In Idaho, married drivers save $59 each year on auto insurance policies. This is less than the national average post-wedding price cut of $76.
| Marital Status | Average Annual Rate |
| Single | $1,023.51 |
| Married | $964.91 |
| Divorced | $1,018.47 |
| Widowed | $1,018.47 |
Auto insurance for divorced drivers in Idaho is among the cheapest in the US. If you're paying too much for your policy, weigh your options. You never know when you'll find a great deal!
Car insurance underwriters utilize credit score to gauge how reliable a customer will be. Historical trends show motorists who carry superior credit scores are usually more dependable car insurance customers: they are less likely to file claims that insurance companies must repay.
In Idaho, a car insurance client who has exceptional credit saves $1,036 per year on auto insurance rates, versus a driver saddled with a low credit score. Learn more about how your credit score can affect your auto insurance expenditures:
| Credit Level | Average Annual Rate |
| Very Poor (300-579) | $1,933.55 |
| Fair (580-669) | $1,585.24 |
| Good (670-739) | $1,297.07 |
| Very Good (740-799) | $1,072.15 |
| Exceptional (800-850) | $896.74 |
Finding inexpensive auto insurance with bad credit can be tough. But we're here to help. Check out our guide to finding auto insurance with poor credit and save!
If you are defined as at fault in a car crash or found guilty of an on-road violation, your auto insurance costs are bound to rise. The more violations you accumulate, the more costly your auto insurance becomes.
In Idaho, your first minor at-fault accident results in a penalty of $465 annually in car insurance premiums. A DUI or DWI — considered one of the most severe vehicular offenses — may increase your yearly insurance rates in Idaho by an average of $547.
| Violation | Average Annual Premium |
| DWI/DUI | $1,566.07 |
| Reckless Driving | $1,593.65 |
| At-Fault Accident (<$1,000) | $1,483.56 |
| At-Fault Accident ($1,000-$2,000) | $1,582.21 |
| At-Fault Accident (>$2,000) | $1,483.56 |
| Open Container | $1,584.53 |
| Speeding (21-25 MPH > limit) | $1,265.34 |
| Speeding (16-20 MPH > limit) | $1,197.66 |
If you're in need of affordable auto insurance, consider getting insurance quotes to find affordable coverage that meets state regulations.
The amount you pay each month for auto insurance is dependent on the level of protection you purchase. A liability-only policy normally costs less, while low-deductible comprehensive coverage usually costs more. In Idaho, the premium gap between liability-only coverage and comprehensive coverage with a $500 deductible is $567.
| Coverage Level | Average Annual Rate |
| $100K/$300K/$100K Bodily Injury/Property Damage — Liability Only | $427 |
| $100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision | $888 |
| $100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision | $984 |
| $50K/$100K/$50K Bodily Injury/Property Damage — Liability Only | $371 |
| $50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision | $839 |
| $50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision | $937 |
| State Minimum — Liability Only | $325 |
| State Minimum — $1,000 Comprehensive/Collision | $794 |
| State Minimum — $500 Comprehensive/Collision | $892 |
If your car insurance premiums cost more than average, it's worth weighing rates to find affordable coverage that covers your vehicle appropriately.
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
