Idaho offers some of the nation's most affordable car insurance at $952 yearly for full coverage and $428 for minimum coverage, based on a 40-year-old driver with good credit and no infractions. Idaho ranks impressively at 3rd for full coverage and 6th for minimum coverage affordability, with rates 35% and 38% below national standards.
Average Cost of Car Insurance in Idaho
Updated: October 16, 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 |
The upgrade from basic to comprehensive coverage adds just $524 per year, or $44 monthly. Your rates may vary according to personal circumstances, driving experience and specific policy selections.
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Average Idaho Car Insurance Cost by Category
Young drivers pay the highest rates in Idaho at $195 monthly for full coverage, while older car owners secure the best deals at $73 monthly. Personal characteristics shape Idaho's car insurance costs.
Adult drivers enjoy some of the nation's most affordable rates at just $77 monthly for full coverage and $35 for minimum coverage. Surprisingly, drivers with bad credit face steeper relative increases to $316 for full coverage and $134 for minimum, showing credit's impact even in low-cost markets.
| Drivers With Old Cars | $33 | $73 |
| Adult Drivers | $35 | $77 |
| Drivers With A Speeding Ticket | $42 | $96 |
| Drivers With Newer Cars | $44 | $99 |
| Senior Drivers | $49 | $104 |
| Drivers With An Accident | $51 | $114 |
| Drivers With A DUI | $60 | $134 |
| Drivers With Low Income | $84 | $194 |
| Young Drivers | $89 | $195 |
| Drivers With Bad Credit | $134 | $316 |
Idaho's generally low population density keeps base rates affordable, though credit and experience factors still create meaningful premium variations across driver categories.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Check out our comprehensive roundup guides to identify the best cheap provider for your profile.
Average Idaho Car Insurance Cost by Company
State Farm delivers exceptional value in Idaho at $56 monthly for full coverage, while Grange Insurance prices slightly higher at $73 monthly. Idaho presents modest rate variations between insurance providers, with full coverage costs ranging from $56 to $73 monthly across major carriers.
Even in this affordable market, Idaho drivers can save approximately $207 annually through comparison shopping.
| State Farm | $18 | $56 |
| American National | $22 | $56 |
| Geico | $25 | $57 |
| Grange Insurance | $24 | $73 |
| Farm Bureau | $27 | $73 |
Average Idaho Car Insurance Cost by City
Idaho maintains exceptional consistency in car insurance costs across cities statewide, with full coverage rates varying minimally from $74 monthly in Jerome to $86 in Caldwell. Location affects Idaho car insurance pricing with remarkably small variation between communities.
Even with the modest $12 monthly difference between cities, Idaho shows less geographic variation than many other states due to generally lower population density and claim frequency. Compare rates for your city below.
Data filtered by:Results filtered by:
Select
City:Aberdeen
| Full Coverage | $77 | $928 |
| Minimum Coverage | $35 | $416 |
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 October 19, 2025.
- Idaho Transportation Department . "ITD News: Prepare Drivers for Winter Conditions ." Accessed October 19, 2025.
- Idaho Transportation Department . "ITD Travel Information ." Accessed October 19, 2025.
- Idaho Transportation Department . "Safety News Category ." Accessed October 19, 2025.
