How Much Is Car Insurance in Idaho? (2023 Averages)
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The cost of car insurance varies significantly based on driver profiles and coverage levels. Even though the average cost of auto insurance in Idaho is $745 per year, drivers with minimum coverage will only pay approximately $424 per year. If you have a driving violation or add a young driver to your policy, this annual average increases to $872 and $2,274 per year, respectively.
Your car insurance costs will also be affected by the auto insurance provider you choose. In Idaho, a full coverage car insurance policy from State Farm costs $547 annually, while a policy with the same coverage from Progressive costs $886 annually.
The Average Cost of Car Insurance in Idaho
Car insurance companies list several factors when determining your risk profile. However, some factors weigh more than others. Specifically, the average car insurance cost in Idaho is heavily influenced by age and poor credit scores. See how various factors impact average costs for different driver profiles.
Average Costs of Car Insurance in Idaho
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- DriverAverage Annual PremiumAverage Monthly Premium
- The Average Driver$745$62
- Drivers Buying Minimum Coverage$424$35
- Adding a Young Driver$2,274$189
- Drivers With a Violation$872$73
- Drivers With Poor Credit$1,245$104
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Why Are Car Insurance Rates Cheap in Idaho?
Several factors like traffic density, vehicle theft statistics and natural disaster frequency all contribute to Idaho’s car insurance rates. When we compare car insurance rates by state, Idaho ranks as one of the cheapest across the country.
Traffic density is low, vehicle theft is a rare occurrence and natural disasters do not happen very often here. Therefore, the average cost of car insurance in Idaho is cheaper than in nearly every other state. Additionally, under Idaho’s Drive Insured Law, drivers must get their vehicles insured or risk having their registration suspended. All these factors put Idaho in the cheap category for car insurance.
Average Cost of Car Insurance in Idaho: Full Coverage vs. Minimum Coverage
The amount of car insurance coverage you receive depends on whether you are buying a full coverage or state minimum policy.
If you are a driver in Idaho unsure whether to get full coverage or a minimum policy, know that the cost difference will be an average of $321 per year. Depending on your budget and risk profile, consider whether comprehensive and collision insurance is worth paying extra for.
Average Cost of Car Insurance in Idaho by Coverage Level
A state-minimum policy in Idaho is the cheapest auto insurance available.
For an added cost, you can increase your liability coverage to 50/100/50 or 100/300/100. These numbers represent your policy's liability coverage limits. For instance, a 50/100/50 policy provides the following coverage:
- $50,000 in bodily injury liability insurance per person
- $100,000 in bodily injury liability insurance per accident
- $50,000 in property damage liability insurance per accident
In contrast, a full coverage policy includes both comprehensive and collision protection. In addition to the standard liability coverage, this protects your vehicle against damage.
Average Cost of Car Insurance in Idaho By Company
Each insurance company will have its own specific rates for each driver profile. You should take the time to inquire with several companies and find the best possible rate for your situation.
State Farm offers the cheapest full coverage policy in Idaho for only $547 per year on average. This provider also offers the most affordable liability-only coverage car insurance policy for only $284 per year.
On the other end of the scale, Progressive has the most expensive full coverage car insurance in this state, at an average annual cost of $886. Meanwhile, American Family offers the most expensive state minimum car insurance policy for $558 per year on average.
USAA is still the most affordable provider across the state. However, USAA policies are only available to military families.
Average Annual Costs of Car Insurance in Idaho - By Company
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- CompanyMinimum CoverageFull Coverage
- $182$358
- $284$547
- $293$572
- $432$727
- $558$737
How Much Is Car Insurance in Idaho by Age?
Buying a car insurance policy for young drivers can be expensive. Their lack of driving experience puts them at a higher risk, and therefore they will have to pay higher rates.
As a way to lower the costs, parents can add their young drivers to their existing policy rather than having them purchase their own. A full coverage policy for a 16-year-old costs $2,274 annually on average, while similar coverage for a 40-year-old averages just $735.
In relation to driving experience, first-time drivers are treated similarly to younger drivers, resulting in similar rates.
Average Costs of Full Coverage Car Insurance in Idaho - By Age
How Does Driving History Affect Car Insurance Costs in Idaho?
A clean driving record is a factor that can get you lower car insurance rates. However, any violation on your record indicates a higher risk of encountering accidents. This increases the rates of your policy.
Drivers with a speeding ticket pay an average of $127 more per year than a safe driver in Idaho. Expect rates to be even higher if you have a bad driving record that involves traffic accidents or a DUI.
Average Costs of Full Coverage Car Insurance in Idaho - By Driving History
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- Driving ViolationAnnual Premium
- Safe Driver$745
- Speeding Ticket$872
- At-Fault Accident$1,052
- DUI$1,144
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Credit Scores and the Cost of Car Insurance in Idaho
Companies look at a person’s credit scores to more accurately determine the customer’s risk profile. If you are looking for other ways to save on car insurance, make sure that you have at least a good credit score.
Poor credit scores drive the average car insurance costs in Idaho significantly higher. If you have a bad credit history, expect to pay an extra $504 per year on average compared to someone with good credit.
Oppositely, having good credit scores drives the rates lower. There is even a difference in rates between an excellent score and a good one. Drivers with excellent credit scores can save an average of $132 per year compared to drivers with good credit.
Average Costs of Full Coverage Car Insurance in Idaho - By Credit Score
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- Credit ScoreAnnual Premium
- Excellent$608
- Good$740
- Fair$886
- Below Fair$1,049
- Poor$1,245
How Much Is Car Insurance in Your City?
Within cities in Idaho, there are different traffic laws and regulations. In addition, densely populated cities tend to encounter higher rates of vehicle theft, vandalism and road accidents. As a result, the average car insurance cost in Idaho varies in different areas within the state.
In Idaho, Boise is the most expensive city for auto insurance, averaging $745 per year. Meridian is the cheapest, though only a bit less expensive at $737 per year on average.
Average Costs of Full Coverage Car Insurance in Idaho - By City
Frequently Asked Questions About Idaho Car Insurance Rates
Here are some of the most important things you need to know before buying car insurance in Idaho:
About Mark Fitzpatrick
sources
- Garrigues, Jillian. Idaho Transportation Department. "Reminder: Drive Insured! Insure Your Vehicle or Lose Your Registration." Accessed September 10, 2021.