Why Compare Car Insurance Rates in Idaho:
All drivers in Idaho are obliged to get basic vehicle insurance coverage, according to the Idaho Code for Motor Vehicles Financial Responsibility. Driving without insurance is considered an infraction or a misdemeanor, which means you could face penalties, license suspension, and possibly jail time if you break the law. If you just got your driver's license or recently moved to Idaho, you might be curious about the state's auto insurance laws and how to get the cheap and best car insurance in Idaho.
Insurance coverage is required in all states before you can register your car. According to the Idaho Insurance Department, all car owners must have at least the following auto insurance coverage types and limits:
Coverage Type | Minimum Coverage Limit |
---|---|
Bodily injury liability coverage | $25,000 per person
$50,000 per accident |
Property damage liability coverage | $15,000 |
Auto-Owners Insurance boasts Idaho's lowest commonly available full coverage rates, at 40% less than the state average. Start your search with Auto-Owners if you're not from a military family and don't qualify for USAA. However, rates vary greatly depending on the car insurance companies, your region, your driving record, and other things. Compare quotes from various insurance to ensure you get the best deal.
Company | Annual Premium |
---|---|
American National P&C | $175 |
Auto-Owners Insurance Co | $185 |
Idaho Farm Bureau | $274 |
American Family | $323 |
Travelers | $346 |
State Farm | $382 |
Nationwide | $576 |
Farmers | $680 |
Dairyland | $765 |
Allstate | $1,082 |
Statewide Average | $463 |
Before you go, review these Idaho vehicle insurance laws and double-check that you're fully covered. Regardless of whether the car is registered or not, everyone operating a vehicle in Idaho must have liability insurance.
You might face a fine of $75 to $1,000 if you're caught driving without insurance in Idaho. In addition, first-time offenders may be required to present proof of financial responsibility for up to a year.
Following an initial auto insurance lapse, any subsequent offences are classified misdemeanors, punishable by a fine of up to $1,000 and up to six months in jail.
With the help of Way.com, you can obtain quotes from a wide range of top insurance providers and compare coverage options and prices to find the vehicle insurance policy that best suits your needs.
Each state sets its own coverage limitations, which are usually divided into three categories: per-person bodily injury coverage, per-accident bodily injury coverage, and per-accident property damage coverage. Split limits, often known as 25/50/15, are a common way of expressing this. Take a look at the list below for a breakdown of these terms in Idaho.
The total financial limit that your insurer can pay for the injuries of a single person that you damage in an accident is $25,000 bodily injury coverage per person.
The highest amount that an automobile insurance provider will pay out for any injuries you inflict in an at-fault collision is $50,000 bodily injury coverage per accident.
The maximum financial amount that will be paid for damage you cause in an accident is $15,000 per accident.
Keep in mind that the figures above are the bare minimums set by Idaho. Most auto insurers offer higher coverage amounts, which are strongly recommended.
Idaho does not require personal injury protection (PIP). Infact in Idaho, PIP is completely unavailable. If you've been injured in a car accident in Idaho, you may be eligible for medical payments insurance (sometimes referred to as Med Pay).
When driving in Idaho, proof of insurance must be carried at all times. Idaho drivers must present evidence of insurance for two consecutive months or risk having their registration suspended. Vehicle owners who do not have insurance for two months in a row will be issued a warning. Before their vehicle registration is cancelled, they will have 30 days to present proof of insurance – or obtain an exception.
For minimum liability, the average cost of auto insurance in Idaho is $979 per year. Refer the following table to get the numbers of the different insurance quotes.
Company | Annual Premium |
---|---|
American National P&C | $370 |
Auto-Owners Insurance Co | $448 |
American Family | $626 |
Idaho Farm Bureau | $670 |
Travelers | $698 |
State Farm | $907 |
Nationwide | $956 |
Farmers | $1,535 |
Dairyland | $1,660 |
Allstate | $1,915 |
Allied | $920 |
USAA | $507 |
Farm Bureau Group | $1,409 |
MetLife | $955 |
Statewide Average | $979 |
Although the cheapest form of automobile insurance is minimum liability coverage, it is rarely the best option.
Minimum liability plans only cover the injuries or damages caused by the other driver; they do not cover any damage to your own vehicle. We recommend advocate full coverage car insurance to avoid costly repairs following an at-fault accident.
It's possible to save money on car insurance without having to compromise on coverage. Low-cost car insurance is available in Idaho from a variety of providers. Using data on average annual rates, we located some of the most cost-effective auto insurance providers in the state of Idaho. According to our in-house market research, these companies offer the best auto insurance in Idaho.
Cheap car insurance in Idaho for young Idaho drivers
State Farm has the best rates for 16-year-old drivers in Idaho, charging $1,414 per year for coverage. While that's certainly expensive, it's 124% cheaper than the state average and $6,211 cheaper than the most expensive insurer, Progressive.
Company | 16 year old Female | 16 Year Old Male |
---|---|---|
State Farm | $1,414 | $1,799 |
Nationwide | $2,746 | $3,280 |
Auto-Owners Insurance Co | $1,438 | $2,000 |
Allstate | $4,623 | $4,789 |
Travelers | $3,470 | $4,493 |
Farmers | $7,000 | $7,165 |
American Family Insurance | $3,130 | $3,404 |
Farm Bureau Group | $3,063 | $4,029 |
Progressive | $6,082 | $7,625 |
USAA | $1,718 | $1,852 |
Statewide Average | $3,449 | $4,044 |
Auto-Owners Insurance Co has the cheapest car insurance for drivers who have a ticket on their record. Full coverage costs $450 per year with the insurer.
Company | Annual Premium |
---|---|
Auto-Owners Insurance Co | $450 |
American National P&C | $456 |
American Family | $656 |
Idaho Farm Bureau | $671 |
Travelers | $945 |
State Farm | $1,010 |
Nationwide | $1,136 |
Dairyland | $2,026 |
Farmers | $2,029 |
Allstate | $2,207 |
USAA | $655 |
Allied | $998 |
Progressive | $1,234 |
MetLife | $1,244 |
Farm Bureau Group | $1,426 |
Statewide Average | $1,143 |
If you're an Idaho motorist who has been in an at-fault collision, USAA may be able to help you get the best prices. The average cost of insurance for Idaho drivers with an at-fault collision is $1,300 per year, but Auto-Owners Insurance Co costs only $515, which is 50% less than the state average and 14% less than State Farm, the next-cheapest insurer.
Company | Annual Premium |
---|---|
Auto-Owners Insurance Co | $515 |
American National P&C | $532 |
American Family | $655 |
Idaho Farm Bureau | $834 |
Nationwide | $957 |
Travelers | $988 |
State Farm | $1,098 |
Farmers | $2,277 |
Dairyland | $2,293 |
Allstate | $2,780 |
USAA | $737 |
MetLife | $1,176 |
Allied | $1,248 |
Progressive | $1,567 |
Farm Bureau Group | $1,845 |
Statewide Average | $1,300 |
For drivers with a DUI on their record, American National P&C offered the most economical coverage. The average annual charge is $599 which is 60% lower than the average rate for DUI drivers.
Company | Annual Premium |
---|---|
American National P&C | $599 |
American Family | $657 |
State Farm | $1,011 |
Auto-Owners Insurance Co | $1,064 |
Travelers | $1,093 |
Idaho Farm Bureau | $1,364 |
Dairyland | $1,806 |
Nationwide | $1,841 |
Farmers | $2,187 |
Allstate | $2,523 |
USAA | $1,055 |
MetLife | $1,090 |
Farm Bureau Group | $3,088 |
Progressive | $1,235 |
Allied | $1,869 |
Statewide Average | $1,499 |
Auto-Owners provides the best rates for married drivers in Idaho, at $785 per year. Married drivers have lower auto insurance premiums since they are statistically less likely to be involved in accidents. Idaho drivers who are married save an average of $98 per year on full coverage.
Company | Monthly rate |
---|---|
Auto-Owners | $785 |
State Farm | $881 |
American Family | $1,253 |
Farm Bureau | $1,358 |
Allstate | $1,769 |
Farmers | $1,781 |
USAA | $581 |
Get quotes from American National P&C if you're a young driver in Idaho who has been in an at-fault accident. After a car accident, the company's minimum coverage costs $680 per year, which is $796 less than the state average.
Company | Annual Premium |
---|---|
American National P&C | $680 |
American Family | $691 |
Auto-Owners Insurance Co | $714 |
Travelers | $1,077 |
Idaho Farm Bureau | $1,232 |
Nationwide | $1,242 |
State Farm | $1,413 |
Farmers | $2,617 |
Dairyland | $2,774 |
Allstate | $3,037 |
Farm Bureau | $1,289 |
USAA | $1,001 |
Statewide Average | $1,476 |
The average full coverage policy in Idaho costs $960 a year, making it one of the most expensive states in the country for car insurance. Even though these averages can give you a good idea of how costs may vary, your car insurance rates are likely to be unique. Insuring a vehicle is affected by a number of factors, including the location in which it is kept.
City | Annual Rate |
---|---|
Aberdeen | $1,253 |
Ahsahka | $1,385 |
Albion | $1,265 |
Almo | $1,277 |
American Falls | $1,265 |
Ammon | $1,325 |
Arbon | $1,289 |
Arbon Valley | $1,289 |
Arco | $1,313 |
Arimo | $1,289 |
Ashton | $1,313 |
Athol | $1,349 |
Atomic City | $1,337 |
Avery | $1,349 |
Bancroft | $1,289 |
Banks | $1,241 |
Basalt | $1,361 |
Bayview | $1,373 |
Bellevue | $1,241 |
Bern | $1,301 |
Blackfoot | $1,253 |
Blanchard | $1,373 |
Bliss | $1,217 |
Bloomington | $1,301 |
Boise City | $1,169 |
Bonners Ferry | $1,349 |
Bovill | $1,337 |
Bruneau | $1,205 |
Buhl | $1,181 |
Burley | $1,169 |
Calder | $1,349 |
Caldwell | $1,169 |
Cambridge | $1,289 |
Carey | $1,253 |
Careywood | $1,385 |
Carmen | $1,361 |
Cascade | $1,265 |
Castleford | $1,241 |
Cataldo | $1,361 |
Challis | $1,301 |
Chester | $1,301 |
Chubbuck | $1,301 |
Clark Fork | $1,385 |
Clarkia | $1,361 |
Clayton | $1,301 |
Clifton | $1,313 |
Cobalt | $1,325 |
Cocolalla | $1,385 |
Coeur d'Alene | $1,277 |
Colburn | $1,373 |
Conda | $1,277 |
Coolin | $1,373 |
Corral | $1,253 |
Cottonwood | $1,313 |
Council | $1,277 |
Craigmont | $1,385 |
Culdesac | $1,349 |
Dalton Gardens | $1,289 |
Dayton | $1,313 |
Deary | $1,337 |
Declo | $1,217 |
Desmet | $1,361 |
Dietrich | $1,277 |
Dingle | $1,301 |
Donnelly | $1,265 |
Dover | $1,373 |
Downey | $1,301 |
Driggs | $1,337 |
Dubois | $1,313 |
Eagle | $1,193 |
Eastport | $1,409 |
Eden | $1,229 |
Elk City | $1,361 |
Elk River | $1,361 |
Ellis | $1,301 |
Emmett | $1,169 |
Fairfield | $1,277 |
Felt | $1,325 |
Fenn | $1,373 |
Ferdinand | $1,409 |
Fernwood | $1,361 |
Filer | $1,241 |
Firth | $1,361 |
Fish Haven | $1,301 |
Fort Hall | $1,241 |
Franklin | $1,313 |
Fruitland | $1,205 |
Garden City | $1,157 |
Garden Valley | $1,253 |
Genesee | $1,349 |
Geneva | $1,301 |
Georgetown | $1,301 |
Gibbonsville | $1,361 |
Glenns Ferry | $1,181 |
Gooding | $1,217 |
Grace | $1,289 |
Grand View | $1,253 |
Grangeville | $1,361 |
Greencreek | $1,385 |
Greenleaf | $1,241 |
Groveland | $1,361 |
Hagerman | $1,217 |
Hailey | $1,241 |
Hamer | $1,325 |
Hammett | $1,193 |
Hansen | $1,241 |
Harrison | $1,361 |
Harvard | $1,301 |
Hayden | $1,265 |
Hazelton | $1,229 |
Heyburn | $1,241 |
Hill City | $1,253 |
Holbrook | $1,301 |
Homedale | $1,241 |
Hope | $1,373 |
Horseshoe Bend | $1,253 |
Howe | $1,301 |
Idaho City | $1,253 |
Idaho Falls | $1,289 |
Indian Valley | $1,253 |
Inkom | $1,313 |
Iona | $1,313 |
Irwin | $1,313 |
Island Park | $1,313 |
Jerome | $1,229 |
Juliaetta | $1,337 |
Kamiah | $1,349 |
Kellogg | $1,349 |
Kendrick | $1,313 |
Ketchum | $1,241 |
Kimberly | $1,205 |
King Hill | $1,181 |
Kingston | $1,301 |
Kooskia | $1,325 |
Kootenai | $1,349 |
Kuna | $1,109 |
Laclede | $1,373 |
Lake Fork | $1,253 |
Lapwai | $1,325 |
Lava Hot Springs | $1,289 |
Leadore | $1,361 |
Lemhi | $1,361 |
Lenore | $1,289 |
Letha | $1,205 |
Lewiston | $1,289 |
Lewisville | $1,313 |
Lincoln | $1,301 |
Lowman | $1,253 |
Lucile | $1,373 |
Mackay | $1,301 |
Macks Inn | $1,313 |
Malad City | $1,289 |
Malta | $1,277 |
Marsing | $1,241 |
May | $1,337 |
McCall | $1,265 |
McCammon | $1,301 |
Medimont | $1,361 |
Melba | $1,145 |
Menan | $1,313 |
Meridian | $1,157 |
Mesa | $1,265 |
Middleton | $1,229 |
Midvale | $1,253 |
Monteview | $1,301 |
Montpelier | $1,241 |
Moore | $1,301 |
Moreland | $1,361 |
Moscow | $1,289 |
Mountain Home | $1,097 |
Mountain Home AFB | $1,169 |
Moyie Springs | $1,409 |
Mullan | $1,349 |
Murphy | $1,253 |
Murtaugh | $1,241 |
Nampa | $1,241 |
Naples | $1,409 |
New Meadows | $1,301 |
New Plymouth | $1,205 |
Newdale | $1,313 |
Nezperce | $1,361 |
Nordman | $1,373 |
North Fork | $1,361 |
Oakley | $1,253 |
Ola | $1,241 |
Oldtown | $1,385 |
Orofino | $1,337 |
Osburn | $1,349 |
Parker | $1,313 |
Parma | $1,145 |
Paul | $1,241 |
Payette | $1,193 |
Peck | $1,349 |
Picabo | $1,253 |
Pierce | $1,397 |
Pinehurst | $1,361 |
Pingree | $1,361 |
Placerville | $1,253 |
Plummer | $1,361 |
Pocatello | $1,289 |
Pollock | $1,361 |
Ponderay | $1,373 |
Porthill | $1,409 |
Post Falls | $1,241 |
Potlatch | $1,313 |
Preston | $1,253 |
Priest River | $1,325 |
Princeton | $1,301 |
Rathdrum | $1,277 |
Reubens | $1,349 |
Rexburg | $1,229 |
Richfield | $1,277 |
Rigby | $1,229 |
Riggins | $1,373 |
Ririe | $1,313 |
Riverside | $1,361 |
Roberts | $1,313 |
Robie Creek | $1,217 |
Rockland | $1,277 |
Rogerson | $1,241 |
Rupert | $1,193 |
Sagle | $1,373 |
Saint Charles | $1,301 |
Salmon | $1,301 |
Sandpoint | $1,373 |
Santa | $1,337 |
Shelley | $1,301 |
Shoshone | $1,277 |
Shoup | $1,337 |
Silverton | $1,349 |
Smelterville | $1,349 |
Soda Springs | $1,289 |
Spencer | $1,325 |
Spirit Lake | $1,361 |
Springfield | $1,301 |
St. Anthony | $1,289 |
St. Maries | $1,313 |
Stanley | $1,301 |
Star | $1,205 |
Stites | $1,337 |
Sugar City | $1,289 |
Sun Valley | $1,241 |
Swan Valley | $1,325 |
Swanlake | $1,301 |
Sweet | $1,241 |
Sweetwater | $1,325 |
Tendoy | $1,361 |
Tensed | $1,349 |
Terreton | $1,313 |
Teton | $1,301 |
Tetonia | $1,337 |
Thatcher | $1,313 |
Troy | $1,337 |
Twin Falls | $1,229 |
Victor | $1,337 |
Viola | $1,337 |
Wallace | $1,337 |
Warren | $1,361 |
Wayan | $1,289 |
Weippe | $1,385 |
Weiser | $1,253 |
Wendell | $1,217 |
Weston | $1,313 |
White Bird | $1,373 |
Wilder | $1,229 |
Winchester | $1,325 |
Worley | $1,361 |
Yellow Pine | $1,265 |
Cheap auto insurance in Idaho with bad credit
Company | Annual Premium |
---|---|
Idaho Farm Bureau | $1,015 |
Travelers | $1,044 |
American Family | $1,059 |
Auto-Owners Insurance Co | $1,080 |
American National P&C | $1,236 |
Nationwide | $1,298 |
Dairyland | $2,255 |
Farmers | $2,484 |
Allstate | $2,699 |
State Farm | $2,874 |
USAA | $1,493 |
Statewide Average | $1,685 |
Idaho auto insurance rate by violation
Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
---|---|---|---|
None | $1,207 | 1% | $0 |
One Med/PIP claim | $1,216 | 2% | $9 |
Not-at-fault accident | $1,242 | 4% | $34 |
One comp claim | $1,273 | 6% | $65 |
Two Med/PIP claims | $1,264 | 7% | $86 |
Failure to wear a seat belt | $1,281 | 7% | $93 |
Driving without lights | $1,354 | 15% | $166 |
Two comp claims | $1,360 | 15% | $173 |
Child safety restraint | $1,367 | 15% | $180 |
Failure to show documents | $1,371 | 16% | $183 |
Driving with expired registration | $1,394 | 17% | $17 |
Texting while driving | $1,406 | 19% | $209 |
Cell phone violation | $1,337 | 19% | $220 |
Following too closely | $1,426 | 20% | $249 |
Illegal turn | $1,427 | 20% | $240 |
Speeding 6 - 10 MPH over limit | $1,427 | 20% | $240 |
Speeding 11 - 15 MPH over limit | $1,428 | 20% | $241 |
Wrong way/wrong lane | $1,430 | 21% | $243 |
Driving too slowly | $1,432 | 21% | $245 |
Failure to stop at a red light | $1,433 | 21% | $246 |
Improper passing | $1,437 | 21% | $250 |
Speeding 16 - 20 MPH over limit | $1,441 | 21% | $253 |
Failure to yield | $1,445 | 22% | $258 |
In 65 MPH zone | $1,448 | 22% | $261 |
Speeding in school zone | $1,463 | 23% | $275 |
At-fault accident - less than $1000 | $1,464 | 23% | $277 |
Speeding 21 - 25 MPH over limit | $1,476 | 24% | $289 |
Operating a vehicle without permission | $1,590 | 35% | $403 |
Open container | $1,596 | 34% | $409 |
At-fault accident - $1000-$2000 | $1,602 | 35% | $415 |
Passing school bus | $1,651 | 39% | $464 |
At-fault accident - greater than $2000 | $1,692 | 43% | $505 |
Reckless driving | $1,842 | 55% | $655 |
Driving with a suspended license | $1,870 | 57% | $683 |
Refusal to submit to a chemical test | $1,931 | 62% | $743 |
Racing | $1,959 | 65% | $772 |
DUI | $1,985 | 67% | $798 |
Leaving scene of an accident/hit and run | $2,014 | 69% | $826 |
Car insurance price trends in Idaho
Year | Avg. Annual Premium —Idaho | Yearly Change —Idaho | Avg. Annual Premium — US | Yearly Change — US |
---|---|---|---|---|
2021 | $1,348 | $92 | $1,539 | $56 |
2020 | $1,266 | $103 | $1,493 | $71 |
2019 | $1,173 | $104 | $1,554 | $33 |
2018 | $1,079 | -$717 | $1,541 | $94 |
2017 | $1,806 | $244 | $1,447 | $79 |
2016 | $1,572 | -$313 | $1,378 | $98 |
2015 | $1,895 | $226 | $1,290 | $61 |
2014 | $1,679 | $165 | $1,239 | $44 |
2013 | $1,524 | -$53 | $1,205 | -$70 |
2012 | $1,587 | $333 | $1,286 | $92 |
Idaho drivers should contact the car insurance companies mentioned in our article. With a wide range of coverage options and discounts, these three providers typically have the best rates in the state.
If you're in the market for Idaho car insurance, keep in mind that the rates you receive will be based on various factors, some of which are unique to each company. Comparing auto insurance quotes from various companies is the most efficient way to discover the best deals.
Anyone with more than 25 cars registered to their name can qualify as a self-insurer by asking for a certificate of self-insurance from the state Insurance Commissioner. The Insurance Commissioner must guarantee that the person will afford the state's minimum coverage requirements.
There are a variety of auto insurance discounts available in Idaho, but they will vary from agency to agency. If you're changing insurance providers, see if they have a transition discount. You could be able to save money by moving.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’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 way.com
Idaho's auto insurance premiums are relatively affordable. Idaho's average annual car insurance premium is $1023, which is 28.7% lower than the national average.
Regardless of whether the vehicle is registered or not, anyone operating a vehicle in Idaho must have liability insurance. You could face a fine of $75 to $1000 if you're caught driving without insurance in Idaho. Besides, first-time offenders will be required to offer evidence of financial accountability for up to a year.
When you relocate, you can plan to pay less for car insurance. Idaho's average annual car insurance premium is $648 less than California's.
Full coverage insurance in Idaho is typically characterized as a policy that offers more than the state's minimum liability coverage, $25000 per person for bodily injury, $50000 per accident for property harm, and $15000 for property damage.
It is illegal to operate a motor vehicle in Idaho without evidence of insurance or financial responsibility. Throughout the registration period, the driver must show evidence of continuous insurance. Driving without car insurance in Idaho carries a $75 fine for the first violation and a $1000 fine for subsequent offenses.
Convictions and points are recorded on each driver's record, and points are held for three years after the date of conviction. The chart below shows the sections of the Idaho code that apply to each violation and the points that will be assessed.
In Idaho, a first-time arrest for driving without a valid license is an infraction punishable by a fine of up to $150. The overall fine for a second offense is increased to $300. A misdemeanor is a third conviction within five years, punishable by up to six months in prison and a $1000 fine.
In Boise, auto insurance costs on average $1050 a year. This is less costly than the average in Idaho ($1167) and the national average of $1548.
In Idaho, there is no specific speed at which speeding is considered reckless driving. The circumstances surrounding the breach will determine whether or not this is the case. First-time offenders can face fines ranging from $25 to $300.
You will be required to pay a reinstatement fee, which may range from $15.00 to $285.00 depending on the reason for the suspension (or more if there are multiple suspensions).
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