Average Cost of Car Insurance in Idaho for 2026

Idaho ranks among the cheaper states in the country, where averages stretch from $75 a month in Vermont to $243 in Florida. Full coverage here costs $79 per month and minimum coverage $36, both near the low end. Even so, the company you pick changes your rate by about $30 a month, more than any city-to-city difference in the state, because each insurer weighs your driving record and age against its own Idaho claims history where you live.

Full 100/300/100 coverage with a $1,000 deductible costs $82 per month in Idaho ($985 per year), and it's the coverage level worth buying. Adding comprehensive and collision to a minimum liability policy costs just $12 more per month, bringing it to $49, and that covers damage to your own car from wildfire, theft or a crash rather than only the other driver. Your deductible changes the rate more than your liability limits do. Dropping to a $0 deductible adds $58 per month, while raising limits from minimum liability to 100/300/100 adds only $33.

Caldwell costs $86 per month for full coverage while Twin Falls costs $77, a $9 difference that adds up to $108 a year. That $9 is smaller than the $30 difference between Idaho insurers, so which company you pick matters more than which city you live in. Caldwell's rate reflects its denser traffic and development, which raise the number of claims, while Twin Falls and Lewiston both cost $77 on smaller populations and lighter traffic. If your quote costs more than your city's average on a clean record, the fix is your insurer, not your coverage.

Idaho uses gender to calculate rates, so a 16-year-old male on a family policy pays $2,244 per year for full coverage, $210 more than a 16-year-old female at $2,034. That same male driver pays $1,030 less by the time he turns 25. Insurers charge young male drivers under 25 more because they file more claims on average. Rates fall for both through the early twenties and keep dropping past 25, just more slowly. To estimate your own rate, the free Idaho car insurance calculator works from your age and driver profile.

A DUI raises full coverage in Idaho to $137 per month ($1,649 per year), 67% above the clean-record rate of $82. An at-fault accident costs $118, a $36 increase over a clean record. Even a crash you didn't cause adds $2 a month, because in Idaho fault doesn't shield your rate. Drivers with serious violations may need to file an SR-22, the form Idaho uses to confirm you carry the required coverage.

Credit score affects your Idaho rate directly because the state lets insurers use it with no limit, so a lower score means a higher premium. Drivers with poor credit pay $316 per month for full coverage, $239 more than good-credit drivers at $77, or $2,868 a year. That difference is bigger than in states that limit how much credit can count. Unlike your car or your driving record, credit is something you can improve on your own, and in Idaho it's the single biggest factor within your control.

Full coverage in Idaho ranges from $86 per month for a Ford F-150 to $132 for a Tesla Model Y, a $46 difference that totals $552 a year. The Model Y costs more because its battery, sensors and proprietary parts are expensive to fix and need EV-trained shops. Idaho adds a further cost: in rural areas the nearest EV shop can be far from the crash, which raises repair and towing bills above what EV owners pay in denser states. How much a car costs to insure by vehicle tracks its repair and theft risk, and among Idaho's options the Honda Civic at $91 and Accord at $93 fall in the middle, while the Toyota Prius, the only hybrid here at $99, costs more than the gas models but less than the full EVs.

Credit is what shifts your Idaho car insurance rate most, a $239 monthly difference between good and poor scores, ahead of your vehicle ($46), your insurer ($30) and your city ($9). Idaho also prices on gender, which many states don't.

The same driver in Idaho gets quoted differently across Idaho's insurers by about $30 a month, depending on age, driving record, vehicle and address. To find which insurers price lowest for your profile, see cheapest and best car insurance in Idaho.

We used this profile to determine 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

Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.

Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.