Here's what you need to know when driving 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.
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Compare the best rates from 6 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.
|Rank||Company Name||Avg. Annual Premium|
|2||Farm Bureau of ID Group||$539|
|22||Baldwin & Lyons||$1,798|
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Idaho drivers without a recent traffic ticket typically save 19% on their car insurance, on average — well above the national average of 17%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
|Rating Factor||$ 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|
Liability coverage is legally required in Idaho and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Idaho, the minimum is listed as 25/50/15 and explained below:
Yes. If you want to legally drive your vehicle in Idaho, you need to have insurance.
Because you do not finance a vehicle through the state but usually a private entity, these rules are not set or enforced by the state.
A total loss is determined in Idaho if a vehicle if the cost of repairs plus the scrap value of the vehicle is greater or equal to the actual cash value of the vehicle. This will be determined by your insurance company.
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 Sandpoint, Idaho.
|Rank||City||Avg. Annual Premium|
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The lookback period in Idaho is 10 years. Repeated DUI offenses within this time period result in enhanced fines and penalties.
First and second DUI offenses are considered misdemeanors in Idaho. Third and subsequent DUI offenses are felonies, without regard for a violator’s BAC level.
In all cases, penalties are enhanced if a DUI offender injures someone else. A violator’s car may also be towed and impounded after being arrested.
Penalties for a first-time DUI offense in Idaho are:
Drivers are speeding in Idaho when exceeding:
A person is guilty of reckless driving in Idaho when driving or in actual physical control of a vehicle while driving “carelessly and heedlessly or without due caution and circumspection” and:
Laws for distracted driving in Idaho apply primarily to those operating a wireless device while driving, versus simply driving while distracted.
Drivers in Idaho are prohibited from texting while driving, including manually preparing and transmitting a written message via a wireless device. Drivers can use voice-activated or hands-free technology and are allowed to use one hand to activate or deactivate a function of such a device.
Racing in Idaho constitutes participation in “any race, speed competition or contest, drag race or acceleration contest, test of physical endurance, exhibition of speed or acceleration,” or any event that takes place “for the purpose of making a speed record.”
Idaho is a fault-based state when assigning responsibility for an accident. After an accident, one or more drivers may be assigned a degree of liability for the accident.
Idaho also operates on a comparative fault basis. This means multiple parties may share the blame for an accident. Those who are at less than 50 percent fault for an accident will have compensation reduced by the percent for which they are liable.
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|
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Idaho area, while also getting an insider view of the Gem State.
So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.
The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.
Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.
Your original video should not exceed 2 minutes
The video must be hosted on YouTube or Vimeo
Email your submission to firstname.lastname@example.org
your name, address, and phone number when you submit
Selected winner(s) will be awarded a check for $1,000
Applications must be received by 11:59 p.m. CST on December 31st, 2019
Winner(s) will be selected and notified by email by January 31st, 2020
The winner will be selected based on creativity in the content and presentation
*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.
By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.
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