How Much Is Car Insurance in Idaho? Rates by Coverage Level, Age, Driving History and Location

The average cost of full coverage car insurance in Idaho is $745 per year, considerably cheaper than the national average of $1,424 per year. Since this rate is for a 40-year-old sample driver, your costs may be lower or higher due to factors like age, driving history, coverage level, credit score and location.

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Based on MoneyGeek’s findings, our sample driver — a 40-year-old with a clean record who wants a full coverage policy — will have to pay around $745 in annual premiums. However, if the driver decides to get only the state minimum policy, the average cost will be just $424 per year. However, a 16-year-old purchasing full coverage will pay an average of $2,274 annually. These are just a couple of scenarios that show how the rates change when we add variables to the calculation.

Average Cost of Car Insurance in Idaho: Summary

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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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

Minimum vs. Full Coverage Car Insurance Costs 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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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

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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 Violation
    Annual Premium
  • Safe Driver
    $745
  • Speeding Ticket
    $872
  • At-Fault Accident
    $1,052
  • DUI
    $1,144

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 Score
    Annual 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

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  • City
    Annual Premium
  • 1.
    $745

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:

Methodology

Through the help of Quadrant Information Services, MoneyGeek collected data on car insurance quotes for our analysis. Note that these rates are from several companies for one sample driver, specifically a 40-year-old getting full coverage, as the basis. Then, we added in other variables like coverage levels, age, driving violations and credit scores. See what other factors are included in our methodology page.

We also gathered information about Idaho traffic density, driver insurance, urban population share and vehicle theft rate:

  • Highway traffic density from the Federal Highway Administration’s 2019 data
  • Data on uninsured motorists from the Insurance Research Council
  • Urban share of population from the U.S Census Bureau’s latest data
  • Data on motor vehicle theft rate from the FBI Crime in the United States Report for 2019

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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