How Much Is Car Insurance in Idaho? (July 2024)

In Idaho, the annual average cost for car insurance varies based on the coverage you choose. For full coverage, drivers can expect to pay around $815, while opting for minimum coverage is more affordable at $390 annually. Factors that affect car insurance is premiums include your age, the level of coverage you select, where you live, your driving record, and your credit history.

Idaho's average full coverage car insurance cost is about $815 yearly. You can compare car insurance quotes to find the best deal. Below is the usual pricing for auto insurance across Idaho. This includes minimum coverage and full coverage options, giving a clear idea of potential insurance expenses.

Car insurance in Idaho is relatively affordable compared to other states. For full coverage with a $1,000 deductible, Idaho drivers pay an average annual premium of $815 or a monthly premium of about $68. When we look at the national average cost of car insurance, it's clear that Idaho is cheaper. The national average annual premium for comparable coverage is $1,296, or $108 per month.

Factors contributing to Idaho's more affordable car insurance rates include a lower population density, less traffic congestion and generally fewer accidents. Idaho also has fewer severe weather events that can lead to claims. Minimum coverage in Idaho is $390 annually, making it an accessible option for drivers seeking basic protection on the road.

Car insurance premiums vary per company, even in the same state. In Idaho, for example, American National P&C offers the cheapest full coverage annually at $633, while Dairyland presents the most expensive at $2,459.

It's crucial to compare car insurance quotes to find the cheapest car insurance in Idaho. Shopping around ensures you get the best coverage that fits your budget.

The cost of car insurance in Idaho is also influenced by the level of coverage you choose. For example, minimum coverage costs around $33 monthly, while full coverage with a $1,000 deductible averages $68 monthly. Despite being more expensive, it's recommended to opt for full coverage insurance because it provides a more comprehensive financial protection against a variety of incidents.

Adding comprehensive and collision coverage to your policy increases your premium, but selecting higher deductibles can help mitigate that increase. Remember, the deductible represents the amount you pay out-of-pocket for each claim under comprehensive and collision coverage before your insurer contributes.

Idaho's minimum car insurance requirements include $20,000 bodily injury liability per person, $50,000 per accident and $15,000 property damage liability per accident, with no mandatory uninsured/underinsured motorist or personal injury protection coverage.

Your car insurance premiums in Idaho can be heavily influenced by your specific location. The cheapest city for full coverage, Meridian, is $656, compared to Boise City's $670.

In Idaho, factors like your driving history, the type of car you drive and the amount of coverage you select can all impact your car insurance rates. Weather conditions and local crime rates may also play a role in determining premiums.

Age significantly affects car insurance rates in Idaho. Young drivers typically face the highest costs due to their inexperience, while middle-aged drivers enjoy lower rates. Car insurance premiums in Idaho tend to decrease with age. Drivers aged 22 to 29 usually pay the most, averaging $1,039 annually, while those 60 and older often benefit from the most affordable rates at $793 per year.

Age and gender indeed affect car insurance rates in Idaho, with 16-year-old male drivers experiencing some of the highest premiums. On average, when a 16-year-old male is added to a family policy, the annual cost is $1,660. However, if they go for an independent policy, the premium increases to $4,056.

Teens under 18 usually cannot purchase car insurance without a parent or guardian. Therefore, a co-signer is often required, keeping the rates within the family policy more manageable.

The average annual cost of full coverage car insurance for a 2012 car model is $699, while the same coverage jumps to $881 for a 2022 model. This increase reflects newer models' higher actual cash value, greater repair costs and the potential increased risk of theft.

Drivers with newer car models, like those from 2022, should consider obtaining comprehensive and collision coverage. These coverages protect against a wide range of incidents, from theft to accidents. This ensures not only the vehicle's safety but also helps maintain its value over time.

The average cost of car insurance in Idaho varies significantly depending on your driving transparency. Here’s what drivers with various records can expect to pay:

• With a ticket: $958 per year; $80 per month
• With an at-fault accident: $1,089 per year; $91 per month
• With a DUI: $1,339 per year; $112 per month

The more severe a driving violation, the higher the car insurance premiums in Idaho. Violations like at-fault accidents or DUIs can lead to larger increases in your insurance costs, and they'll affect your premiums as long as they remain on your record. For instance, a DUI in Idaho stays on your driving record for at least 3 years.

To find the average cost of insurance in Idaho for various driving records, check out the table by coverage and age group.

In Idaho, the average cost of car insurance varies significantly with credit scores, ranging from $489 for those with excellent credit to $972 for those with poor credit. Your credit score plays a crucial role in determining your car insurance rates. A good credit score, which is typically between 670 to 739, can lead to more affordable insurance premiums, whereas scores below this range may result in higher costs.

Discover the key factors that affect car insurance rates in Idaho and learn how you can secure an affordable plan tailored to your needs.

• Driving Record: Safe driving in Idaho can lead to more affordable minimum coverage car insurance rates, as violations and accidents typically increase premiums.
• Age and Experience: Younger, less experienced drivers often incur higher costs due to a higher statistical risk of accidents on Idaho roads.
• Vehicle Type: The make, model and year of your vehicle can impact your insurance expenses, with newer, high-end vehicles often requiring higher premiums in Idaho.
• Location Within Idaho: Your specific location within Idaho can affect insurance rates, with urban areas generally drawing higher premiums due to increased risks of theft and collisions.
• Credit Score: Idaho insurers may use your credit score to evaluate risk, with higher scores possibly leading to more affordable car insurance rates.
• Coverage Type: Choosing between comprehensive insurance, collision insurance and minimum coverage will influence your rates, as greater coverage typically costs more.
• Car Insurance History: A consistent car insurance history without lapsed periods can help secure lower premiums, indicating reliability to Idaho insurers.

You need to think about each of these factors when shopping for a car insurance plan that offers the best protection at a competitive price.

To secure affordable car insurance in Idaho, you can compare options, raise your deductible and apply for all eligible discounts. These strategies quickly reduce premiums for your minimum coverage or more comprehensive policies.

Find answers to commonly asked questions about the average cost of car insurance in Idaho.