Compare Free Idaho Car Insurance Quotes

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How Much Does Car Insurance Cost on Average in Idaho?

  • In Idaho you can expect to pay $49 a month or $590  a year for state minimum liability. Full coverage car insurance costs around $178 a month or $2,141 a year.

InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Idaho – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.

Idaho Car Insurance Quotes

Cheapest Idaho Car Insurance Companies

Here is a breakdown of average costs from the cheapest local insurance providers in Idaho from our data set of used-car drivers who are single, middle aged and have a clean driving record.

Insurance ProviderState MinimumMonthlyFull CoverageMonthly
State Farm$485$40$1,627$136
Farm Bureau of Idaho$497$41$2,059$172
Allstate$609$51$2,885$240
Farmers Insurance$734$61$2,533$211

Even though Idaho isn’t as densely populated as other states, drivers still need to contend with traffic in cities, and rugged mountain conditions. It’s important to protect yourself with auto insurance as a resident of Idaho. Insurance for your vehicle is mandatory in Idaho, as it is in most states.

Your auto insurance rates depend on a number of different factors. One major factor that affects how much you pay for insurance is age. Policies tend to have higher premiums when young drivers are covered and for those whose age are under 30 or over 75. These groups have more accidents than the average driver.

Driver age isn’t the only factor that affects your insurance rates. The kind of car you drive, how often you drive, and even where you drive affects how much you pay. Your driving record matters, too. If you have a history of unsafe driving, your rates will likely be higher.

Men tend to have higher rates, especially those that are young. Young men statistically have more accidents than other driver groups, which is why their rates tend to be higher.

Auto Insurance Costs by City

List of Idaho Cities:

Average Cost for Car Insurance in Idaho by County

When you’re looking for the best auto insurance policy rates in Idaho it’s good to know what the costs are. We’ve provided a list below of the average costs of an auto insurance policy in ID below:

Costs by County:Sedan:SUV:Coupe:Truck:Hybrid:
Ada$629$532$601$635$672
Adams$652$539$612$667$710
Bannock$669$549$621$690$737
Bear Lake$650$533$602$671$716
Benewah$713$588$665$733$781
Bingham$721$602$682$733$779
Blaine$720$592$672$640$788
Boise$652$539$612$667$710
Bonner$716$591$669$723$781
Bonneville$722$606$684$734$778

State Minimum Liability Car Insurance Requirements

The first thing you should know about Idaho auto insurance is how much you absolutely have to carry. Just like residents of other states, Idaho residents must carry liability insurance at all times, with the following minimums in place:

Idaho is also big on uninsured motorist insurance. You don’t legally need it, but the company has to write it into your policy. Even if you don’t want the coverage, you have to decline in writing.

You can’t register a car in Idaho unless you sign a statement that you have insurance, and agree to maintain insurance on the car. If you drive without insurance, you risk license suspension.

Idaho is a tort state, not a no-fault state. This means that someone must be legally at fault for every accident. It’s a good idea to carry more insurance than you think you need just in case.

Moving to Idaho: Important Information

You have 90 days from when you move to Idaho to get an Idaho Driver’s license. The only exceptions are for members of the military and students from other states attending school in Idaho. Everyone else has to get an Idaho license. If you have a commercial license, you only have 30 days, not 90.

Idaho has a One License Law. This means you have to give up your out-of-state license when you get your Idaho license. You can, however, keep a foreign license unless you have a commercial license.

You get your Idaho license through the County Sheriff’s Office. All drivers must take a vision test, and some drivers may have to take a skills test. As a new resident, you also are required to provide proof of identity and legal presence.

Understanding Driving Laws in Idaho

You can talk on your cell phone while driving in Idaho, but you cannot text. This applies to all drivers, regardless of age.

According to Idaho statute 49-673, everyone must wear a seat belt unless they have a specific medical exemption, or the car does not have enough seat belts. If there are not enough seat belts, you cannot let someone under 18 ride without one. Children 6 and under must use approved safety restraints.

If you incur a DUI, the state suspends your license for at least 90 days. The BAC limit is 0.08 percent if you are over 21, 0.02 percent for those under 21. If you are under the influence of more than one substance, you can still be charged with a DUI even if your BAC is below 0.08. You don’t have to be over the limit if you mixed another intoxicant with alcohol.

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