What's the Average Cost of Car Insurance in Idaho?

The Zebra
Oct. 11, 2018

Auto insurance is affordable in Idaho. The average car insurance cost in Idaho is $1,018 per year — less than the national average by 28.7%.

Your auto insurance prices are dictated by more than just your location. Auto insurance rates incorporate an array of factors, including the insured party's age, gender, marital status, credit, and driving history.

We reviewed average Idaho auto insurance rates by each of the major rating qualifications. Read on to learn how much car insurance costs in each US state — or submit your zip to receive personalized rates from top insurance companies.


Average Car Insurance Expenditure in Idaho by Age

It’s a fact of life: as you age, your car insurance prices shift. Typically, auto insurance is more expensive for young drivers, as car insurers see inexperienced motorists as less responsible.

In Idaho, car insurance costs $5,816 each year for a 16-year-old driver, but just $875 per annum for a client between 50 and 59 years of age.


IDAHO AUTO INSURANCE PRICES BY AGE BRACKET
Age Average Annual Premium
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



Average Car Insurance Outlays in Idaho by Gender

While gender does not make as large an effect on auto insurance premiums as state or age, it is incorporated as a pricing factor. Women pay less than do men for car insurance in Idaho, but the disparity is just $31.13 per year.

IDAHO AUTO INSURANCE PRICES BY GENDER
Gender Average Yearly Premium
Male $1,023.51
Female $992.39



Average Auto Insurance Rates in Idaho by Marriage Status

A pro of wedlock — in addition to the wedding gifts — is the improved deal you often earn on your car insurance policy. In Idaho, married drivers save $59 each year on car insurance. This is a smaller discount than the national average of $76.


IDAHO CAR INSURANCE PREMIUMS BY MARITAL STATUS
Marital Status Average Annual Premium
Single $1,023.51
Married $964.91
Divorced $1,018.47
Widowed $1,018.47



Average Car Insurance Costs in Idaho by Credit Tier

Car insurers use credit history as a way of determining how responsible a customer will be. Data demonstrate drivers who hold good credit histories are more reliable auto insurance customers: they're less likely to file claims covered by insurance companies.

In Idaho, a driver who maintains outstanding credit saves $1,036.81 annually on car insurance, compared to a driver with a bad credit score. Read more about how credit score can affect auto insurance rates:


IDAHO AUTO INSURANCE RATES BY CREDIT SCORE
Credit Score 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



Average Auto Insurance Prices for High-Risk Drivers in Idaho

If you've been discovered to be to be at fault in an accident or convicted of a driving violation, your auto insurance costs are bound to rise. The more infractions you accumulate, the more costly your car insurance becomes.

In Idaho, your first minor at-fault accident results in an additional $465.22 annually in auto insurance premiums. A DUI — one of the most severe driving violations — could raise your annual car insurance costs in Idaho by as much as $547.73.


IDAHO AUTO INSURANCE PRICES AFTER VIOLATIONS
Age Average Annual Rate
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 facing above-average auto insurance costs, think about weighing your options to find reasonably priced insurance coverage that meets state regulations.


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