Idaho Car Insurance Calculator
Calculate your auto insurance cost in Idaho. Compare with state averages and find savings.
$1,234
Avg Annual Premium
25/50/15
Min Liability
Monthly Avg
$103
Full Coverage
$1,567
Min Coverage
$423
Uninsured Rate
6.8%
Idaho Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$15,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Idaho
Rural drivingWinter conditionsLow population density
Major Metro Areas in Idaho
BoiseMeridianNampaIdaho FallsPocatello
FAQ
Idaho Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Idaho
The average annual car insurance premium in Idaho is $1,234, or about $103 per month. Full coverage averages $1,567 annually, while minimum coverage averages $423. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Idaho requires minimum liability coverage of 25/50/15 ($25,000/$50,000 for bodily injury and $15,000 for property damage).
Key factors affecting Idaho car insurance rates include: Rural driving, Winter conditions, Low population density. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 6.8% of drivers in Idaho are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Idaho car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Farmers. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Idaho include: State Farm, GEICO, Farmers, Progressive, Allstate. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
ID Insurance Costs
Average premiums in Idaho:
- Annual Average$1,234
- Monthly Average$103
- Full Coverage$1,567
- Minimum Coverage$423
ID Requirements
Minimum coverage required:
- Liability25/50/15
- PIP RequiredNo
- UM RequiredNo
- Uninsured Rate6.8%
Top ID Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Farmers
- •Progressive
- •Allstate