In Idaho, car insurance costs around $952 per year for full coverage and $428 for minimum coverage on average. Keep in mind these rates are based on a 40-year-old driver with good credit and a clean driving record, so your actual costs will vary based on your personal details.
Average Cost of Car Insurance in Idaho
Updated: August 19, 2025
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Key Takeaways
Depending on driver profile, coverage and location, car insurance costs can be between $428 and $5,426 per year on average in Idaho.
With rankings of sixth for minimum coverage and third for full coverage, Idaho offers some of the most budget-friendly car insurance rates in the nation.
To secure the cheapest car insurance in Idaho, start by deciding your coverage requirements, then research various companies before comparing quotes extensively.
Average Car Insurance Cost In Idaho
| Full Coverage | $79 | $952 |
| Minimum Coverage | $36 | $428 |
*Rates are for a 40-year-old driver with good credit and no driving violations who is insuring a 2012 Toyota Camry LE. Minimum coverage represents the minimum required liability coverage in the state while full coverage is representative of a 100/300/100 liability policy with a $1,000 deductible for comprehensive and collision coverage.
Average Idaho Car Insurance Cost by Category
Your individual characteristics, geographic location, and vehicle choice all play major roles in determining car insurance costs. Below, you'll find average rates for various driver categories and profiles.
| Young Drivers | $89 | $195 |
| Adult Drivers | $35 | $77 |
| Senior Drivers | $49 | $104 |
| Drivers With An Accident | $51 | $114 |
| Drivers With A DUI | $60 | $134 |
| Drivers With A Speeding Ticket | $42 | $96 |
| Drivers With Bad Credit | $134 | $316 |
| Drivers With Low Income | $84 | $194 |
| Drivers With Newer Cars | $44 | $99 |
| Drivers With Old Cars | $33 | $73 |
*We modified rates based on the same 40-year-old driver profile with these changes: young drivers (16 to 25), adults (26 to 64), seniors (65+), low income (fair credit), bad credit (poor credit), newer cars (2025 Toyota Camry LE), older cars (2007 Toyota Camry LE). Driving violation profiles include only that specific violation.
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Personalized Average Idaho Car Insurance Costs
These general driver categories provide basic estimates. Our filterable table below shows you exact costs based on your personal details for more accurate rates.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| 100/300/100 Full Cov. w/$1,000 Ded. | 357 | 4288 |
*Rates for the age groups are based on the following assumptions: young drivers (16 to 25), adults (26 to 64), seniors (65+).
Average Idaho Car Insurance Cost by City
Where you live in Idaho makes a big difference in your car insurance costs. Annual rates for full coverage range from $376 in Mountain Home to $1,037 in Caldwell. Below you can compare both full and minimum coverage rates for your city and other areas across the state.
Data filtered by:Results filtered by:
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City:Aberdeen
| Full Coverage | $77 | $928 |
| Minimum Coverage | $35 | $416 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by state law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Is Idaho Car Insurance Expensive?
Idaho ranks sixth for minimum coverage affordability and third for full coverage. However, this is only an overall statistic comparing average rates for entire states, and affordability rankings for your city compared to the rest of the United States will vary widely.
Why Is Car Insurance Affordable In Idaho?
Here's why Idaho car insurance costs less than most states:
Low Rate of Uninsured Drivers
Idaho ranks among the most affordable states for auto insurance, with full coverage costing an average of $864 annually compared to the national average of over $1,400. Factors contributing to Idaho's affordable rates include a low number of uninsured drivers, good road conditions and a lower frequency of auto theft and accident claims. This makes Idaho one of the most budget-friendly states for drivers seeking comprehensive coverage.
Moderate Weather Conditions
Statewide, more than 16,000 accidents occurred during inclement weather between October 2021 and April 2022, with many attributed to unsafe driving in snow, ice and wet conditions. Idaho's winter maintenance team deploys over 550 snowplow operators to clear over 3.4 million miles throughout Idaho, demonstrating the extensive winter weather challenges. Idaho allows studded tires between October first and April 30th, highlighting the need for specialized winter driving equipment.
Affordable Healthcare Costs
Aggressive driving was involved in 61% of the fatal crashes in rural areas in 2023. Idaho's vast rural landscape creates unique driving challenges, including longer emergency response times, encounters with farm equipment and livestock, and open-range areas where livestock are free to roam. If a driver hits an animal in open range, the driver is responsible for the damage to their car, making comprehensive coverage particularly valuable.
Low Insurance Fraud Rates
Farming runs in Idaho's blood, making encounters with tractors, farm equipment and livestock common on rural roads. In certain parts of the state considered "open-range," livestock are free to roam, including on roads and highways. These encounters can result in vehicle damage and affect comprehensive coverage claims, especially given that drivers bear responsibility for collisions with animals in open-range areas.
Population Density
Using RWIS data, ITD crews have been able to keep roads clear and passable more than 85% of the time during winter storms, compared to just 28% back in 2010. Idaho's investment in Road Weather Information Systems and advanced maintenance helps keep roads in excellent condition year-round. This superior infrastructure contributes to lower accident rates and helps maintain Idaho's position as one of the most affordable states for auto insurance.
Lower Vehicle Theft Rates
Idaho benefits from lower frequency of auto theft and accident claims compared to more urbanized states. The state's largely rural character and strong community values contribute to reduced car theft rates and vandalism, which helps keep comprehensive coverage costs low. This factor contributes to Idaho's position among the cheapest states for auto insurance.
Balanced Driver Demographics
Unlike many states, Idaho experiences fewer severe weather events that can lead to claims. While winter weather is a factor, Idaho generally avoids the hurricanes, tornadoes and severe thunderstorms that affect other regions. This reduced exposure to catastrophic weather events helps maintain lower comprehensive coverage costs for Idaho drivers.
Regional Cost Advantages
In Idaho, a car insurance client who has exceptional credit saves over $1,000 per year on auto insurance rates, versus a driver with a low credit score. This disparity in rates based on credit scores makes maintaining good credit particularly important for Idaho drivers seeking the lowest possible insurance rates, as the state allows credit-based pricing unlike some other states.
How to Lower Car Insurance Costs In Idaho
Below we've created a step-by-step guide to lowering your car insurance costs.
- 1
Decide on coverage needs beforehand
Deciding on your coverage needs beforehand is important so you're not oversold on too much coverage. Consider your financial situation, driving habits, car details and your risk tolerance when making this decision.
- 2
Research costs and discounts
To save money for your particular profile, know your average costs for your desired coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance or other bundles for the most balanced perspective.
- 3
Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4
Compare quotes through multiple means
Compare multiple company quotes to find the best deal possible. Also, we recommend using multiple methods of getting quotes like online comparison sites and independent agents since pricing varies widely between method.
Cost of Car Insurance in Idaho: Bottom Line
Idaho car insurance costs are among the most affordable in the United States, but smart shopping can still help you save even more. Decide on coverage needs beforehand, do thorough research and compare quotes from the right insurers for your situation.
Cost of Car Insurance in Idaho: FAQ
Below are answers to frequently asked questions about Idaho car insurance costs:
How much is Idaho car insurance per month?
Per month, Idaho car insurance costs $36 for minimum coverage and $79 for full coverage policies. However, rates can range anywhere from $33 to $316 monthly depending on your unique driver profile and coverage choice.
What factors affect Idaho car insurance costs?
Primary factors include driving history, age, and location - with accidents, violations, and younger drivers facing higher rates, while urban areas cost more than rural ones.
Why is Idaho car insurance so affordable?
Idaho ranks among the most affordable states for auto insurance, with full coverage averaging $864 annually compared to the national average of over $1,400. The state benefits from low crime rates, excellent road infrastructure and minimal natural disasters. However, Idaho experiences severe winter conditions with over 16,000 weather-related accidents annually. Wildlife collisions are common, with drivers responsible for damage in open-range areas.
How expensive is Idaho car insurance?
With rankings of sixth for minimum coverage affordability and third for full coverage, Idaho stands out as one of the more budget-friendly destinations for auto insurance across the U.S.
How We Determined Idaho Car Insurance Costs
We used the following profile and modifications of this profile to determine Idaho auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Idaho State Police . "Winter Driving Resources ." Accessed August 20, 2025.
- Idaho Transportation Department . "ITD News: Prepare Drivers for Winter Conditions ." Accessed August 20, 2025.
- Idaho Transportation Department . "ITD Travel Information ." Accessed August 20, 2025.
- Idaho Transportation Department . "Safety News Category ." Accessed August 20, 2025.