Idaho Car Insurance Calculator: Estimate Your Car Insurance Costs

Auto insurers in Idaho will ask you for various personal details to provide you with an accurate car insurance quote. For a quick estimate, you can use MoneyGeek’s car insurance calculator for Idaho to get an idea of insurance costs based on your particular profile.

Last Updated: 4/12/2022
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If you want an estimate of how much car insurance costs in Idaho, you can use MoneyGeek’s car insurance calculator to get an average price. You can also use our analysis if you want to figure out which factors have the biggest impact on your car insurance premiums in Idaho.

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Idaho Car Insurance Calculator: Get an Instant, Free Estimate

On average, it will take you 10 to 15 minutes to get a personalized quote from a car insurance company based on the personal details you provide. MoneyGeek’s car insurance calculator for Idaho can also give you an estimate of how much car insurance may cost for you per year based on your age, driving record, vehicle type and coverage levels.

According to our analysis, adding a teen driver to your policy, your age and how much coverage you buy are the factors with the biggest impact on car insurance costs in Idaho.

However, the primary factor for you may change depending on your combination of characteristics.

Auto Insurance Calculator

State

Idaho

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female
Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$195

2.

GEICO

$288

The cheapest company in Idaho for you may depend on several factors, but our car insurance calculator can get you a close estimate. GEICO is the cheapest widely available insurer in Idaho for our default driver at roughly $288 per year. However, cost isn’t everything. You also want to pick a company that has great service and the coverages you need.

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FACTORS TO CONSIDER WHEN GETTING A CAR INSURANCE ESTIMATE IN IDAHO

How Car Insurance Premiums are Calculated in Idaho

Car insurance companies in Idaho use a variety of rating factors to calculate car insurance premiums. The biggest factors that will impact your insurance premiums in Idaho are adding a teen driver to your policy, your age and the level of coverage that you choose.

Adding a teen driver to your policy is the most significant factor that may impact premiums in Idaho and can multiply car insurance rates by 3.5x.

How Much Adding a Teen Driver Matters in Calculating Car Insurance in Idaho

Teen drivers tend to be inexperienced and are therefore at a higher risk of getting into accidents. This means that when you add a teen driver to your policy, the risk factor for the insurer increases. In turn, this drives up your car insurance premiums.

If you add a teen driver to your Idaho policy, your car insurance costs might multiply by 3.5x.

How Much The Driver’s Age Matters in Calculating Car Insurance in Idaho

Insurers in Idaho will factor in how old you are when calculating the cost of car insurance. In Idaho, drivers who are 40 years old pay the cheapest rates while drivers who are 19 or 20 pay the most expensive premiums.

In Idaho, drivers can pay up to 2.3x more for car insurance depending on their age.

How Much Coverage Level Matters in Calculating Car Insurance in Idaho

It is important to calculate how much car insurance you need in Idaho before you choose a policy because coverage level is a big factor in the cost of car insurance. If you opt for comprehensive and collision coverage or higher liability limits, you will pay more compared to a driver with a state minimum policy.

The highest annual premium in Idaho is for full coverage car insurance with liability limits of 100/300/100 and a $500 deductible. The cheapest rate is offered for state minimum policies.

The level of coverage you choose can multiply your car insurance costs in Idaho by 2.1x.

How Much Credit Score Matters in Calculating Car Insurance in Idaho

Maintaining a good credit score can help you keep your car insurance costs low in Idaho. Drivers who have poor credit scores in Idaho will typically pay more for car insurance compared to those with an excellent credit score since insurers anticipate that they are more likely to file a claim.

Your credit score can multiply your car insurance costs by up to 2x in Idaho if you have poor credit as opposed to excellent credit.

How Much Car Model Matters in Calculating Car Insurance in Idaho

The type of vehicle you want to insure will impact how much you pay for car insurance in Idaho. Luxury cars that tend to cost more to repair or replace will generally incur higher insurance rates. Some car models may also be more prone to theft which can also drive up the cost of car insurance.

The type of vehicle to be insured can multiply car insurance rates by 2x in Idaho.

How to Calculate How Much Car Insurance You Need in Idaho

It is important to calculate how much car insurance you need in Idaho so that you can get the best balance of cost and protection. One of the factors that will determine your car insurance premiums is how much coverage you buy.

Idaho insurance laws only require drivers to have bodily injury liability and property damage coverage, but you can opt to buy additional coverage based on your specific needs. If you drive a leased car, your lender may also require you to have comprehensive and collision insurance.

1

Understand Idaho car insurance requirements

Looking up Idaho’s minimum car insurance requirements will help you to calculate how much car insurance you need in Idaho. A state minimum policy will only give you coverage of $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident and $15,000 property damage liability per accident. A minimum state policy in Idaho does not include comprehensive and collision insurance, so you will not be covered for damages to your car with this type of policy.

2

Consider Purchasing Additional Liability Insurance

In case of a major accident, you can incur high costs. As a result, drivers may need liability insurance above the Idaho minimums if they want to be fully protected. If you purchase a policy with $300,000 in bodily injury liability per accident, you will pay an average of $489 per year compared to roughly $372 per year for a minimum liability policy.

3

Decide whether or not to buy comprehensive and collision insurance

When you want to calculate how much car insurance you need in Idaho, you should decide whether you need full coverage insurance to get coverage for damages to your car. Idaho law doesn’t require it. However, if you’re leasing or financing your car, your lender may require it.

The cost of adding comprehensive and collision insurance with a $1,000 deductible is an average of $235 per year in Idaho. However, you may want to drop it if the cost of the full coverage policy exceeds the value of your car.

4

Consider buying additional protection besides these core coverages

Idaho doesn’t require uninsured/underinsured motorist coverage, but you can opt for this coverage to protect yourself in case you get into an accident with an uninsured driver. 13.2% of motorists in Idaho are uninsured, so this coverage is an affordable way to protect yourself.

You can also opt to include personal injury protection coverage in your policy to cover medical expenses incurred following an accident.

Frequently Asked Questions About How Car Insurance is Calculated in Idaho

You can learn more about how to calculate insurance premiums in Idaho with these frequently asked questions.

Methodology

MoneyGeek partnered with Quadrant Data Services to get car insurance quotes from across Idaho. Our data science team analyzed how personal factors impacted cost and incorporated our findings into our calculator to provide users with an accurate estimate of their expected yearly auto insurance costs. Read more about our methodology here.

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.