Are Car Insurance Costs Going Up in Idaho?

Most drivers can attest to the fact auto insurance costs usually rise each year. But there's a lot that goes into setting auto insurance premiums — and not every region experiences the same trends.

Geographic location is among the primary rating factors used by insurance companies to set premiums. The state, city, and ZIP code within which a vehicle is parked and driven help decide car insurance prices — this comes down to state statutes and the differing levels of risk associated with insuring cars in various areas of the country.

Because car insurance pricing is multi-faceted, year-over-year rate changes vary widely by state. Auto insurance rates might be rising year-over-year in one state but decreasing one state over.

See below trending car insurance rates in Idaho. If your policy isn't following your state's trend, consider looking for a new insurance option. The Zebra's car insurance comparison tool provides rates based on your specific profile — enter your ZIP below to get started.

Car insurance pricing trends in Idaho

In Idaho, average annual auto insurance premiums decreased by $11 over the past year. A normal driver in Idaho now pays an average rate of $1,018 per year.

The general trend in Idaho points to more expensive car insurance. From 2015 to 2018, rates increased by an average of $117 annually. Meanwhile, insurance rates across the United States have jumped in the past few years, climbing from $1,280 in 2015 to $1,470 in 2018.

Year Avg. Annual Premium — Idaho Yearly Change — Idaho Avg. Annual Premium — USA Yearly Change — USA
2018 $1,018 -$11 $1,470 $32
2017 $1,029 $76 $1,437 $69
2016 $953 $52 $1,368 $88
2015 $901 $70 $1,280 $51
2014 $831 $28 $1,229 $34
2013 $803 $21 $1,195 -$80
2012 $782 -$6 $1,276 $82

If your rate trends vary from those above, consider shopping around to find a better deal.

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How are car insurance rates changing in major Idaho cities?

Car insurance prices fluctuate at the ZIP code level, with an array of region-specific variables impacting how much you pay. That means drivers could see major differences in their insurance rates, based solely on their ZIP code or city. For example, Boise drivers endured a larger yearly rate increase (3.6%) than did drivers in Pocatello (3.6%) between 2018 and 2017.

See below annual rates of change in major Idaho cities. If your city is expensive — and moving isn't on the table — consider shopping around for a more affordable rate.

City Avg. Rate Increase — 2018 vs. 2017
Boise 3.6%
Pocatello 3.6%
Idaho Falls 3.5%
Meridian 3.4%
Caldwell 3.3%

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Renata Balasco photo
Renata BalascoAssociate Content Strategist

Renata is a licensed insurance professional and content strategist responsible for creating home and auto insurance guides for The Zebra.

Renata's background in technical writing and her experience working in the insurance industry informs her work. She holds a bachelor’s degree in communications.

Renata's work has been cited by Car and Driver