Idaho Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Idaho car insurance averages about $153 a month ($1,841 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 35% below the national average in our data. It’s lower than in Montana, Nevada, Oregon, Utah, Washington and Wyoming. Of the insurers open to all drivers, State Farm has the lowest full-coverage average in our statewide table, at about $102 a month.

Where you live matters. Rural counties in north and east Idaho cost the most in our data: Boundary County, home to Bonners Ferry, averages about $185 a month for full coverage, followed by Clearwater and Bingham counties (both $179). The Boise area costs the least, and Ada County, home to Boise and Meridian, is the least expensive of the 32 counties we price, at $138. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 75 Idaho ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.

What’s the Average Cost of Car Insurance in Idaho per Month?

The average cost of car insurance in Idaho is about $153 a month ($1,841 a year) for full coverage and $42 a month ($506 a year) for liability-only coverage at the 25/50/15 state minimum. That’s for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Idaho averages $1,841 a year, or about $153 a month, for our benchmark driver. Liability-only coverage at Idaho’s 25/50/15 minimum averages $506 a year ($42 a month), and 50/100/50 liability with comprehensive and collision averages $1,833 ($153 a month).

• Full coverage (100/300/100, $500 deductibles): $1,841 a year ($153 a month)
• 50/100/50 with $500 deductibles: $1,833 a year ($153 a month)
• Liability only (25/50/15): $506 a year ($42 a month)
• Boise: $1,634 a year ($136 a month) for full coverage
• Nampa: $1,796 a year ($150 a month) for full coverage
• Idaho Falls: $1,944 a year ($162 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Idaho Compares With Neighboring States

Idaho’s average is about $25 a month below Montana’s, $254 below Nevada’s, $20 below Oregon’s, $89 below Utah’s, $101 below Washington’s and $8 below Wyoming’s. It’s the sixth-lowest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Idaho: Companies Compared

• Lowest full-coverage average among insurers open to all drivers: State Farm, at about $102 a month ($1,219 a year). USAA, which sells only to military families, is lower still, at about $74 a month.
• Next lowest of the insurers we price: Idaho Farm Bureau and Farmers, effectively tied at $145 and $148, then Safeco at $149.
• Lowest liability-only average among the insurers we price (25/50/15): State Farm, at about $25 a month, then Safeco at $32.
• Also on our list: USAA at about $74 a month, GEICO at $113, Auto-Owners at $123, Travelers at $148 and Nationwide at $150 (USAA sells only to military families).
• Most expensive in our data: Allstate, at about $224 a month for full coverage, $1,463 a year more than State Farm.

In our statewide table, State Farm has the lowest full-coverage average among insurers open to all drivers. The recent statewide Idaho rate studies we reviewed don’t agree on which insurer is cheapest for full coverage. Leaving out USAA, which sells only to military families, GEICO, State Farm and Auto-Owners each come out first in two of the eight, and American National and Travelers in one each. For liability-only coverage at 25/50/15 limits, State Farm has the lowest average among the insurers we price, at about $25 a month, followed by Safeco at $32.

These are statewide averages for our benchmark driver. See how we calculated these rates.

See What You’d Pay in Idaho

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Rates change by city and ZIP code across Idaho. Enter yours to compare quotes.

How Idaho’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved since November 2025.

Are Car Insurance Rates Going Up in Idaho?

Yes, for our benchmark driver. Comparing the same insurers in the same Idaho ZIP codes, full coverage averaged $1,794 a year in rates as of Nov. 30, 2025, and $1,841 as of Aug. 31, 2026, a 2.6% increase. Allstate raised its average 6.0%, Farmers 2.9% and State Farm 2.9%, while Idaho Farm Bureau’s and Safeco’s averages were unchanged. Liability-only coverage at 25/50/15 limits rose 7.9%, led by Farmers, which raised its liability-only average 18.3%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Idaho Car Insurance Costs

Idaho’s full-coverage average is the sixth-lowest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• The Boise area. Ada County is the least expensive county in our data, and Boise and Meridian average about $136 a month, about 11% below the state average. Idaho Falls averages $162, Pocatello $160 and Coeur d’Alene $148.
• Uninsured motorist coverage. Idaho policies include uninsured and underinsured motorist coverage at 25/50 limits unless you reject it in writing.
• How rates are set. Idaho insurers file auto rates on a use-and-file basis: they send new rates to the Department of Insurance within 30 days of the date the rates take effect.

Idaho Car Insurance Rates by City

Among cities with at least two ZIP codes in our data, Idaho Falls is the most expensive, at $162 a month for full coverage, followed by Pocatello at $160 and Caldwell at $151. Boise and Meridian are the least expensive of those cities, at about $136 each. Across all 57 cities and towns we price, averages run from about $185 in Bonners Ferry to $136 in Boise and Meridian.

The table lists all 57 Idaho cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Idaho City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Idaho Car Insurance Rates by County

Boundary County is the most expensive county in our data, at about $185 a month for full coverage, followed by Clearwater County ($179) and Bingham County ($179). The least expensive are Ada County ($138), Jerome County ($144) and Payette County ($145). We price 32 of Idaho’s 44 counties.

How Much More Does Better Coverage Cost in Idaho?

Raising liability limits from 50/100/50 to 100/300/100 barely changes the average statewide in our data: with the same $500 deductibles, full coverage averages $1,841 a year and 50/100/50 averages $1,833. Across the five insurers, the change runs from $68 less a year (Farmers) to $92 more (Idaho Farm Bureau). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate, Farmers and Safeco charge less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Idaho Car Insurance Rules at a Glance

What Car Insurance Is Required in Idaho?

Every owner of a vehicle registered and driven in Idaho must keep liability insurance on it continuously, under Idaho Code 49-1229. The minimum policy is:

• $25,000 per person and $50,000 per crash in bodily injury liability.
• $15,000 in property damage liability.

Insurers must include uninsured and underinsured motorist bodily injury coverage at those same 25/50 limits unless you reject it in writing or electronically, under Idaho Code 41-2502. A rejection applies to everyone on the policy and can carry over to your renewals. Idaho doesn’t require personal injury protection, and medical payments coverage is optional, according to the Department of Insurance.

Keep proof of insurance in the car; an image on your phone counts, under Idaho Code 49-1232. The DMV checks coverage through an online insurance verification system that insurers update at least weekly. If it can’t confirm your coverage for two months in a row, you’ll get a notice, and if you don’t respond, your registration is suspended until you show proof and pay a $75 reinstatement fee, according to the Idaho Transportation Department.

Driving uninsured is a $75 infraction the first time. A second or later conviction within five years is a misdemeanor with a fine of up to $1,000, up to six months in jail or both, under Idaho Code 49-1428. After a no-insurance conviction, you must keep proof of financial responsibility, known as an SR-22, on file for one year, or three years for a repeat within five years, under Idaho Code 49-1208.

Idaho uses modified comparative fault: you can recover damages from the other driver only if your share of the fault is less than theirs, and your award is reduced by your share, under Idaho Code 6-801.

How to Lower Your Car Insurance Rate in Idaho

1. Quote several insurers. Statewide, the lowest and highest insurer averages are about $122 a month apart for the same driver and car.
2. Compare State Farm and GEICO first. They have the two lowest full-coverage averages among insurers open to all drivers in our statewide table, about $102 and $113 a month.
3. Think before you reject uninsured motorist coverage. Idaho policies include it unless you reject it in writing, and a rejection can carry over to your renewals, under Idaho Code 41-2502. It pays for your injuries when the at-fault driver has no insurance or too little. Our full-coverage prices include it at 100/300.
4. Keep proof of insurance on your phone. Idaho accepts an electronic image as proof, under Idaho Code 49-1232, and if the DMV sends you an insurance letter, answer it with proof of coverage so your registration isn’t suspended, according to the Idaho Transportation Department.
5. Make sure your limits cover every driver. Liability coverage above Idaho’s minimum must give the same limits to everyone the policy covers and anyone allowed to drive the car, according to a Department of Insurance bulletin reissued in July 2026.
6. Know how credit is used. Idaho insurers can consider your credit, but they can’t charge you more or refuse coverage based primarily on it, under Idaho Code 41-1843.
7. Compare at every renewal. Since November 2025, Allstate has raised its average 6.0%, Farmers 2.9% and State Farm 2.9%, so the order in our table can shift.
8. Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Idaho home insurance rates.

Compare Idaho Car Insurance Quotes

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How We Calculated Idaho Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 375 full-coverage premiums from five insurers across 75 Idaho ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Idaho’s 25/50/15 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from recent published Idaho rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Idaho law and the Idaho Department of Insurance. We refresh these figures when new rate data is released.

More Idaho Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

Idaho Car Insurance Rates by County and Vehicle Type

In this analysis, an SUV is the least expensive vehicle type to insure and a hybrid the most expensive in all 44 counties in that analysis. A hybrid costs about 31% more than an SUV on average.

Idaho Car Insurance FAQ