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

The Zebra
Feb. 8, 2019

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%.

But 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 receive personalized rates from top car insurers.


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Average Idaho car insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Car Insurance Rates in Idaho by Age Bracket

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 more risky.

In Idaho, auto insurance runs $5,816 annually for a 16-year-old motorist, compared to $875 per annum for a driver in his or her 50s.


IDAHO AUTO INSURANCE PRICES BY AGE
AgeAverage 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.




Average Car Insurance Premiums in Idaho by Gender

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.


IDAHO CAR INSURANCE PREMIUMS FOR WOMEN AND MEN
GenderAverage 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.




Mean Car Insurance Rates in Idaho by Marital Status

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 US post-wedding price cut of $76.


IDAHO CAR INSURANCE COSTS BY MARITAL STATUS
Marital StatusAverage 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 the 46th most expensive 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!




Average Auto Insurance Costs in Idaho by Credit History

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 $1,036.81 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:


IDAHO CAR INSURANCE RATES BY CREDIT TIER
Credit LevelAverage 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!




Typical Car Insurance Prices for Bad Drivers in Idaho

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 $465.22 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 $547.73.


IDAHO CAR INSURANCE PREMIUMS AFTER TICKETS
AgeAverage 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 quotes to find cheap insurance coverage that meets state regulations.


Average Auto Insurance Costs by Coverage Level in Idaho

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.


IDAHO AUTO INSURANCE COSTS BY COVERAGE TIER
Coverage LevelAverage 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.