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Key Takeaways

  • Car insurance in Idaho Falls costs you $883 annually.
  • With an average annual rate of $511, American National offers the most affordable car insurance in Idaho Falls.
  • The auto-theft rate in the city is lower than the state and national averages.
  • Idaho law requires $25,000 per person and $50,000 per accident in bodily injury coverage. In addition, your car insurance must have a $15,000 property damage liability limit.

Idaho Falls Auto Insurance

It isn't a secret that the auto insurance rates in Idaho are relatively affordable. With a population of around 65,000, Idaho Falls is the largest city in Idaho outside of the Boise metropolitan area. Since being one of the largest cities, does it mean that car insurance in Idaho Falls will be expensive? Or is it cheaper than the state average rate?

The cost of car insurance in Idaho Falls is slightly lower than the state average. It is because the number of uninsured drivers is less in the city. After all, driving without valid auto insurance in the city will earn you a penalty of up to $1,000, and you may face jail time. So though the insurance rates are lower, still a driver may be on the hunt for a much cheaper car insurance policy.

The best way is by comparing various car insurance quotes in Idaho Falls and buying the cheapest one. So, how much does car insurance in Idaho Falls costs? Which is the insurance company providing cheap car insurance in Idaho Falls? Our review of Idaho Falls auto insurance will give you a clear idea about the car insurance rates in the city!

Are you looking for low-priced auto insurance in Idaho? Get your free quote today!

How Much Does Car Insurance Cost In Idaho Falls?

On average, a driver must pay around $883 to buy car insurance in Idaho Falls. It is lower than the state and national averages of $1,023 and $1,557, respectively.

Idaho Falls (annual average) Idaho (annual average) United States
$883 $1,023 $1,557

Our review of Idaho Falls car insurance includes average rates based on age, gender, ZIP Code, and more. Keep reading to know more about car insurance in Idaho Falls!

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Idaho Falls Auto Insurance Premiums By Company

The challenge for a driver is always to find the company providing the cheapest auto insurance rates in Idaho Falls. Our research found that American national provides the most affordable car insurance in the city, with an average annual rate of $511. With a yearly rate of $784, USAA offers the second-best affordable car insurance in Idaho Falls.

Car insurance company Average Annual Rate
American National $511
USAA $784
Auto-Owners $791
State Farm $871
Safeco $940

Are you still looking for a cheaper rate? Comparing the quotes from all insurers can always be a good option to decrease your insurance premiums in Idaho Falls. Or, you can ask your insurance company about the available discounts and use the ones you qualify for.

Idaho Falls Auto Insurance Premiums By Age Group

The younger and older you are, the more expensive the car insurance in Idaho Falls is. Teens and young adults typically pay $1,876 yearly, $993 more than the average city rate. In contrast, drivers in their 30s and 40s typically pay $738 and $643 annually, respectively. Therefore, examining any age-specific discounts is always a smart idea.

The away-from-school, mature driver, good student, safe driver, multi-policy, and bundling discounts are a few discounts you can use.

Age Average Annual Rate
Teens $1,876
20s $1,216
30s $738
40s $643
50s $541
60s $542
70s $856

Idaho Falls Auto Insurance Premiums By Gender

Your gender also affects the rate of car insurance in Idaho Falls. For instance, a female driver pays an average annual car insurance cost of $1,109. Contrary to this, male drivers pay $1,128 annually, which is $19 more than female drivers. Because they have a lower percentage of severe accidents than males, females are frequently required to pay less for auto insurance.

Gender Average Annual Rate
Male $1,128
Female $1,109

Idaho Falls Auto Insurance Premiums By ZIP Code

Every insurer has different prices for every ZIP Code. Your neighborhood's crime and auto-theft rates can greatly influence your cost of car insurance in Idaho Falls. You can ensure that your car is garaged in a secure location if you reside in a neighborhood with a high crime risk. You should be able to save money this way. The ideal structures are covered and gated. Ensure to let your insurance agent know what safety measures you are taking.

So, be ready to pay higher insurance premiums if you live in an area where people don't get along well. The following are the rates of car insurance in Idaho Falls based on some ZIP Codes.

ZIP Code Average Annual Rate
83401 $908
83402 $799
83404 $942
83406 $913
83424 $645

Auto insurance in Idaho Falls: Minimum insurance requirement in Idaho

Residents must maintain bodily injury and property damage liability coverages for each personal use car registered in Idaho. According to Idaho law, bodily injury coverage on your auto insurance policy must be a minimum of $25,000 and $50,000 per person and accident. Also, your car insurance policy must have property damage liability coverage with a minimum limit of $15,000. For greater security, you can purchase larger limits.

  • Bodily injury liability per person - $25,000
  • Bodily injury liability per accident - $50,000
  • Property damage liability per accident - $15,000

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Auto Theft Statistics in Idaho Falls

Fortunately, the city has a low auto-theft rate. In 2019, there were around 68 auto thefts in the city. The auto theft rate was 109.5 per 100,000 persons, lower than the state average and the national average rate of 219.

Still, while buying car insurance in Idaho Falls, buying one with comprehensive coverage will always offer greater protection. It will give you adequate protection if your car gets stolen.

Idaho Falls theft rate (per 100,000 persons) United States theft rate (per 100,000 persons)
109.5 219

Accident Statistics in Idaho Falls

The accident rates in the city are also lower. In 2019, just four vehicles were involved in fatal accidents in the city. Additionally, only four were involved in fatal accidents, with three fatalities. There were no fatal accidents involving drunk persons and pedestrians in Idaho Falls.

Car Insurance Companies in Idaho Falls, ID

Though the cost of car insurance in Idaho Falls is affordable, drivers may still want to lower the insurance rates. So, the best way is by comparing the quotes from all insurers, if possible. Additionally, our car insurance agents in Idaho Falls can help you with the state's complicated insurance laws and terms, coverages, and discounts. Therefore, contact our car insurance agents in Idaho Falls if you want to buy the best and most affordable auto insurance.

These are some of the major insurance companies in the city.

American National Travelers
Auto-Owners Farmers
State Farm Allstate
Safeco Liberty Mutual
Nationwide American Family

Driving Conditions in Idaho Falls

  • Driving conditions are good.
  • Idaho Falls traffic is easy to navigate.
  • On average, there are 93 rainy days per year. Rain averages 12 inches.
  • Snowfall averages almost 39 inches.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

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