Idaho Car Insurance Calculator: Estimate Your Cost & Coverage

• Our Idaho rate data comes from filing with the Idaho Department Insurance, in partnership with Quadrant Information Systems, and not from broker estimates.
• Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, authored this Idaho car insurance calculator page and was reviewed by.Mark Friedlander of the Insurance Information Institute.
• Our editorial standards keep our recommendations free from any influence by insurance company relationships.

The company you pick matters more than anything else for your Idaho car insurance estimate. Full coverage in Idaho costs $53 a month at GEICO., the cheapest insurer and costs over $130 a month at the priciest Idaho carriers. That's about a $77 difference for the same coverage.

This difference changes based on your situation, drivers in Idaho with violations or poor credit will see a cost difference of up to $239 between the cheapest and most expensive insurer in the state. 

No single carrier is cheapest for every Idaho driver. Always check your estimate against a few different companies. See our cheapest car insurance in Idaho page to compare Idaho carriers side by side.

Idaho allows insurers to use your credit score to set your rate. Credit score is one the biggest price factors for Idaho drivers. Good credit averages $77 a month for full coverage in Idaho. Poor credit averages $316 a month, a $239 difference for the same coverage.

The same credit score can cost very different amounts depending on the Idaho carrier. Grange charges poor-credit drivers $139 a month, the lowest price we found in Idaho. GEICO charges $242 for the same credit score. Other Idaho carriers charge as much as $258 to $260.

A 16-year-old on a family policy in Idaho pays about $220 a year on average for full coverage. A 40-year-old with a clean record pays about $77 per month, over $130 less for the adult driver. Idaho seniors pay a bit more than middle-aged drivers, about 10% above the standard adult rate.

The biggest price drop happens between ages 16 and 17. Idaho rates keep dropping through your early 20s, then level off around age 25.

The best times to re-quote your Idaho car insurance are right after your 17th birthday, again around 21, and once more at 25.

Idaho's state minimum costs $37 a month on average for 25/50/15 liability coverage. Full coverage with higher 100/300/100 limits costs about $82 a month in Idaho, a $45 difference from the state minimum.
Use our Idaho car insurance coverage calculator to get a personalized recommendation for how much coverage you need.

A speeding ticket adds about $20 a month on average in Idaho. An at-fault accident adds about $36 a month. A DUI adds the most, raising the average Idaho rate by 67%, from $82 to $137 a month.

Based on our analysis, State Farm adds the smallest amount after a violation of any Idaho carrier. GEICO adds the most, especially after a DUI. If you have a recent violation, start by checking State Farm's rate in Idaho.

Idaho keeps most violations on your record for three years. A DUI stays on your record for at least ten years, but most Idaho insurers only look at the past three to five years when setting your price. Re-quote your Idaho car insurance as soon as you pass each of those marks.

A Ford F-150 costs about $86 a month for full coverage in Idaho. A Toyota Camry costs about $97. A Tesla Model Y costs about $132.  On average, your Idaho car insurance cost will fluctuate by $32 depending on your vehicle choice. 

That difference comes from parts and labor costs. Electric cars need special parts and trained mechanics. In rural Idaho, the nearest mechanic who can fix an EV might be far away. That can make EV repairs cost even more than the price already shows.

Caldwell has the highest full coverage cost in Idaho at $86 a month. Twin Falls and Lewiston have the lowest at $77 a month, only a $9 difference across the whole state.

Because the difference between Idaho cities is so small, moving to a new city won't save you much. Picking the right carrier or coverage level will save you a lot more.

Bodily injury liability pays for injuries you cause to others in an at-fault crash. It pays for their medical bills, lost wages, and other legal expenses The minimum bodily injury coverage is $25,000 per person and $50,000 per accident. Most Idaho drivers will need more coverage than state minimums to protect their assets.

Property damage liability pays for damage you cause to another driver's vehicle or property. Idaho's $15,000 minimum is low enough that a single newer pickup or SUV can exceed it. If your coverage runs out, you pay the difference. Drivers with savings or home equity should have at least $100,000 in property damage liability, but use the calculator above to get a personalized recommendation.

Uninsured and underinsured motorist coverage pays your medical costs and repair bills when the at-fault driver carries no insurance or not enough to cover the damage. About 6.4% of Idaho drivers carry no insurance according to the iii.org. Idaho law requires every insurer to offer this coverage, but you can choose to decline it.

Collision pays for damage to your own vehicle in an at-fault crash. Comprehensive pays for non-collision damage like hail, flooding, theft and fire. If your vehicle is financed, lenders require both until the loan is paid off. For vehicles you own, comprehensive appears in your Idaho recommendation because of the documented hail exposure across the Snake River Plain and Magic Valley corridor, and other weather and theft risks across the state.

Gap insurance pays the difference between your car's actual cash value and the remaining loan balance if the car is totaled. If your loan balance exceeds your car's current market value, add gap insurance.

An SR-22 is a certificate your insurer files with the Idaho Transportation Department proving you have at least the state minimum car insurance. Idaho requires SR-22 after a DUI conviction, driving without insurance, or certain serious traffic violations. The filing must stay active for three years. If it lapses, your insurer notifies the state, your license is suspended immediately with no grace period, and the three-year clock restarts. Not all insurers file SR-22 certificates.