Idaho Auto Insurance Quotes

Idaho auto insurance 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 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.

What You Should Know About Idaho Auto Insurance

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:

  • $25,000 personal injury liability for one person.
  • $50,000 total injury liability for everyone involved in an incident.
  • $15,000 property liability.

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.

Sample of Annual Idaho Auto Insurance Rates

Boise Auto Insurance

Situated in the high desert of southwest Idaho, Boise is the vibrant state capital. Boise combines natural beauty and attractions, such as skiing, hiking and fishing, with urban trappings. Boise is known as the Treasure Valley and is the most populous metropolitan area in Idaho.

Located along Interstate 84, you can travel northwest to Oregon or southeast toward Salt Lake City. Idaho State Road 21 travels northeast into the Boise National Forest

City Single Married
Low High Low High
Boise - - - -

Pocatello Auto Insurance

Pocatello is located in southeast Idaho in the western foothills of the Rocky Mountains. Pocatello enjoys a four-season climate, with sunny and dry being the norm. Pocatello is a small town with a wealth of outdoor activities at its doorstep. In 2013, the AARP named Pocatello as a best place to retire.

Pocatello is at the intersection of Interstates 86 and 15. Interstate 15 travels north through the Fort Hall reservation to Idaho Falls and south to Salt Lake City. Interstate 86 travels west along the Snake River and meets Interstate 84.

City Single Married
Low High Low High
Pocatello $801.00 $1,997.00 $691.00 $1,591.00

Eagle Auto Insurance

Eagle is a family-oriented community in the Boise foothills. It has a surprisingly mild climate that encourages year-round outdoor activities. The Boise River spans the full length of town. There is a tree-lined greenbelt that offers walking paths and picnic areas.

Idaho State Road 55 travels north from Eagle toward Horseshoe Bend and High Valley, and it travels south into Boise where it meets Interstate 84.

City Single Married
Low High Low High
Eagle $741.00 $1,679.00 $682.00 $1,453.00

Meridian Auto Insurance

Meridian is Idaho's second largest city located immediately west of Boise. Located in Idaho's high desert, Meridian gets an average of just 10 inches of rain each year. Meridian has more than a dozen municipal parks as well as beautiful pathways.

Interstate 84 and U.S. Highway 26 both head east from Meridian into Boise and west to Caldwell. Interstate 84 continues northwest to Oregon.

City Single Married
Low High Low High
Meridian $701.00 $1,621.00 $701.00 $1,415.00

Idaho Falls Auto Insurance

Idaho Falls is the largest city in Eastern Idaho. It is along the Snake River Plain near the Grand Teton Mountains. Idaho Falls enjoys more than 200 sunny days each year. Idaho Falls is southwest of the Caribou-Targhee National Forest and Yellowstone National Park.

U.S. Highway 26 travels east across the Rocky Mountains into Wyoming. U.S. Highway 20 travels northeast into Yellowstone National Park. Interstate 15 travels north into Montana and south to Pocatello.

City Single Married
Low High Low High
Idaho Falls $774.00 $1,970.00 $724.00 $1,591.00

Caldwell Auto Insurance

Located on the Boise River, Caldwell calls itself the first major city in the picturesque Treasure Valley. Caldwell is home to two golf courses, as well as green belts and walking paths, as well as parks that allow for swimming and sports. Caldwell has five secondary schools and is home to the College of Idaho.

Interstate 84 travels through Caldwell and heads east to Boise and heading northwest travels into Oregon. U.S. Highway 26 travels northwest toward Parma.

City Single Married
Low High Low High
Caldwell $759.00 $1,724.00 $732.00 $1,503.00

Nampa Auto Insurance

Nampa is the third most populous city in Idaho, situated just west of Boise. Nampa is known as the retail and restaurant hub of the western Boise Valley. Nampa enjoys an environment rich in natural beauty.

Interstate 84 travels through Nampa and heads east to Boise and northwest into Oregon. U.S. Highway 26 travels northwest toward Parma.

City Single Married
Low High Low High
Nampa $754.00 $1,724.00 $710.00 $1,490.00

Kuna Auto Insurance

Kuna is located southwest of Boise. The Kuna Caves - an underground lava flow cave is south of the city. Kuna as built as a railway stop with coach service to Boise. The Snake River Overlook in Kuna offers a 12-mile hiking trail between Swan Falls Dam and the Celebration Park. Celebration Park is Idaho's first archeological park that feature petroglyphs that date between 100 and 10,000 years old.

Boise State Highway 69 travels north to Meridian. Barker Road travels from Kuna to the southeast skirting the north edge of Morley Nelson Snake River Birds of Prey National Conservation Area.

City Single Married
Low High Low High
Kuna $719.00 $1,632.00 $719.00 $1,435.00

Twin Falls Auto Insurance

Home to Shoshone Falls, known as the Niagara of the West, Twin Falls enjoys bountiful opportunities for outdoor activities. Twin Falls is located in southern Idaho in an area known as the Magic Valley region. Twin Falls is the home of the College of Southern Idaho and has major employers in the food production and agriculture industry.

Located just south of Interstate 84, you can travel southeast to Salt Lake City or northwest to Boise. U.S. Highway 93 heads south into Nevada and north toward the Craters of the Moon National Monument and Preserve.

City Single Married
Low High Low High
Twin Falls $714.00 $1,802.00 $714.00 $1,491.00

Lewiston Auto Insurance

Lewiston is located in the Lewis-Clark Valley at the confluence of the Snake and Clearwater Rivers, and is home to Idaho's only seaport. The valley is named after the famous explorers who were commissioned by Thomas Jefferson to find new trade routes across the country. Lewiston is home to the Dogwood Festival, Hot August Nights and the Lewiston Round Up.

U.S. Highway 12 gravels east into the Nez Perce Indian Reservation and west into Washington State. Washington Route 129 heads south toward the Wallowa-Whitman National Forest. U.S. Highway 95 heads north to Moscow, Idaho.

City Single Married
Low High Low High
Lewiston $730.00 $1,821.00 $730.00 $1,714.00

City Single Married
Low High Low High
Aberdeen $808.00 $1,916.00 $713.00 $1,559.00
Ahsahka $769.00 $1,916.00 $769.00 $1,714.00
Albion $727.00 $1,916.00 $727.00 $1,492.00
Almo $711.00 $1,916.00 $711.00 $1,492.00
American Falls $707.00 $1,997.00 $707.00 $1,559.00
Arbon Valley $719.00 $1,916.00 $719.00 $1,559.00
Arco $774.00 $1,916.00 $774.00 $1,560.00
Arimo $729.00 $1,916.00 $729.00 $1,559.00
Ashton $776.00 $1,970.00 $753.00 $1,570.00
Athol $763.00 $2,073.00 $763.00 $1,549.00
Atomic City $803.00 $1,970.00 $706.00 $1,559.00
Avery $769.00 $2,073.00 $769.00 $1,558.00
Bancroft $716.00 $1,916.00 $716.00 $1,559.00
Banks $707.00 $1,916.00 $707.00 $1,560.00
Basalt $803.00 $1,970.00 $722.00 $1,559.00
Bayview $771.00 $2,073.00 $771.00 $1,549.00
Bellevue $733.00 $1,916.00 $722.00 $1,498.00
Bern $719.00 $1,916.00 $719.00 $1,510.00
Blackfoot $834.00 $1,970.00 $706.00 $1,559.00
Blanchard $777.00 $2,073.00 $777.00 $1,620.00
Bliss $717.00 $1,916.00 $717.00 $1,560.00
Bloomington $719.00 $1,916.00 $719.00 $1,525.00
Boise City $697.00 $1,639.00 $632.00 $1,465.00
Bonners Ferry $798.00 $2,073.00 $798.00 $1,641.00
Bovill $736.00 $1,916.00 $736.00 $1,678.00
Bruneau $700.00 $1,916.00 $700.00 $1,560.00
Buhl $688.00 $1,916.00 $688.00 $1,491.00
Burley $707.00 $1,916.00 $707.00 $1,459.00
Calder $813.00 $2,073.00 $798.00 $1,558.00
Caldwell $759.00 $1,724.00 $732.00 $1,503.00
Cambridge $732.00 $1,916.00 $730.00 $1,656.00
Carey $733.00 $1,916.00 $733.00 $1,493.00
Careywood $779.00 $2,073.00 $779.00 $1,620.00
Carmen $791.00 $1,916.00 $759.00 $1,562.00
Cascade $728.00 $1,916.00 $728.00 $1,560.00
Castleford $694.00 $1,916.00 $694.00 $1,491.00
Cataldo $797.00 $2,073.00 $797.00 $1,618.00
Challis $772.00 $1,916.00 $772.00 $1,560.00
Chester $772.00 $1,916.00 $753.00 $1,570.00
Clark Fork $798.00 $2,073.00 $759.00 $1,641.00
Clarkia $769.00 $2,073.00 $765.00 $1,629.00
Clayton $772.00 $1,916.00 $748.00 $1,560.00
Clifton $733.00 $1,916.00 $733.00 $1,525.00
Cocolalla $794.00 $2,073.00 $794.00 $1,620.00
Coeur d'Alene $751.00 $2,022.00 $726.00 $1,512.00
Coolin $787.00 $2,073.00 $787.00 $1,641.00
Corral $707.00 $1,916.00 $687.00 $1,560.00
Cottonwood $786.00 $1,916.00 $786.00 $1,678.00
Council $736.00 $1,916.00 $709.00 $1,656.00
Craigmont $787.00 $1,916.00 $773.00 $1,714.00
Culdesac $741.00 $1,916.00 $741.00 $1,714.00
Dayton $719.00 $1,916.00 $719.00 $1,525.00
Deary $761.00 $1,916.00 $761.00 $1,678.00
Declo $735.00 $1,916.00 $735.00 $1,480.00
Desmet $769.00 $2,073.00 $769.00 $1,629.00
Dietrich $727.00 $1,916.00 $727.00 $1,525.00
Dingle $719.00 $1,916.00 $719.00 $1,510.00
Donnelly $707.00 $1,916.00 $707.00 $1,560.00
Downey $734.00 $1,916.00 $722.00 $1,559.00
Driggs $834.00 $1,970.00 $801.00 $1,593.00
Dubois $780.00 $1,916.00 $749.00 $1,570.00
Eagle $741.00 $1,679.00 $682.00 $1,453.00
Eastport $769.00 $2,073.00 $769.00 $1,641.00
Eden $717.00 $1,916.00 $717.00 $1,491.00
Elk City $786.00 $1,916.00 $782.00 $1,560.00
Elk River $769.00 $1,916.00 $769.00 $1,629.00
Ellis $772.00 $1,916.00 $753.00 $1,560.00
Emmett $704.00 $1,750.00 $672.00 $1,442.00
Fairfield $734.00 $1,916.00 $695.00 $1,560.00
Felt $772.00 $1,970.00 $757.00 $1,594.00
Ferdinand $769.00 $1,916.00 $769.00 $1,714.00
Fernwood $769.00 $2,073.00 $768.00 $1,558.00
Filer $697.00 $1,916.00 $697.00 $1,491.00
Firth $817.00 $1,916.00 $753.00 $1,559.00
Fish Haven $719.00 $1,916.00 $719.00 $1,525.00
Franklin $729.00 $1,916.00 $729.00 $1,525.00
Fruitland $690.00 $1,750.00 $666.00 $1,500.00
Garden City $701.00 $1,616.00 $701.00 $1,440.00
Garden Valley $779.00 $1,916.00 $698.00 $1,560.00
Genesee $733.00 $1,916.00 $733.00 $1,714.00
Geneva $719.00 $1,916.00 $719.00 $1,510.00
Georgetown $704.00 $1,916.00 $704.00 $1,510.00
Gibbonsville $772.00 $1,916.00 $671.00 $1,562.00
Glenns Ferry $692.00 $1,561.00 $692.00 $1,560.00
Gooding $728.00 $1,916.00 $728.00 $1,450.00
Grace $719.00 $1,916.00 $719.00 $1,511.00
Grand View $683.00 $1,916.00 $679.00 $1,560.00
Grangeville $775.00 $1,916.00 $775.00 $1,678.00
Greencreek $769.00 $1,916.00 $769.00 $1,714.00
Greenleaf $757.00 $1,679.00 $757.00 $1,500.00
Hagerman $717.00 $1,916.00 $717.00 $1,491.00
Hailey $733.00 $1,916.00 $681.00 $1,493.00
Hamer $772.00 $1,970.00 $763.00 $1,578.00
Hammett $707.00 $1,561.00 $687.00 $1,560.00
Hansen $714.00 $1,916.00 $714.00 $1,491.00
Harrison $769.00 $2,073.00 $769.00 $1,618.00
Harvard $736.00 $1,916.00 $736.00 $1,522.00
Hayden $743.00 $2,022.00 $743.00 $1,512.00
Hazelton $720.00 $1,916.00 $720.00 $1,491.00
Heyburn $707.00 $1,916.00 $699.00 $1,459.00
Hill City $707.00 $1,916.00 $687.00 $1,560.00
Holbrook $719.00 $1,997.00 $696.00 $1,559.00
Homedale $716.00 $1,679.00 $716.00 $1,560.00
Hope $797.00 $2,073.00 $797.00 $1,641.00
Horseshoe Bend $722.00 $1,916.00 $678.00 $1,560.00
Howe $772.00 $1,916.00 $772.00 $1,560.00
Idaho City $737.00 $1,916.00 $737.00 $1,560.00
Idaho Falls $774.00 $1,970.00 $724.00 $1,591.00
Indian Valley $707.00 $1,916.00 $707.00 $1,560.00
Inkom $812.00 $1,997.00 $719.00 $1,559.00
Iona $803.00 $1,970.00 $717.00 $1,591.00
Irwin $803.00 $1,916.00 $799.00 $1,593.00
Island Park $775.00 $1,970.00 $750.00 $1,570.00
Jerome $713.00 $1,916.00 $713.00 $1,491.00
Juliaetta $754.00 $1,916.00 $754.00 $1,714.00
Kamiah $808.00 $1,916.00 $808.00 $1,714.00
Kellogg $825.00 $2,073.00 $792.00 $1,558.00
Kendrick $761.00 $1,916.00 $761.00 $1,714.00
Ketchum $733.00 $1,916.00 $694.00 $1,528.00
Kimberly $713.00 $1,916.00 $713.00 $1,491.00
King Hill $707.00 $1,561.00 $702.00 $1,560.00
Kingston $819.00 $2,073.00 $770.00 $1,618.00
Kooskia $789.00 $1,916.00 $789.00 $1,695.00
Kootenai $769.00 $2,073.00 $769.00 $1,620.00
Kuna $719.00 $1,632.00 $719.00 $1,435.00
Laclede $769.00 $2,073.00 $769.00 $1,620.00
Lapwai $733.00 $1,916.00 $733.00 $1,714.00
Lava Hot Springs $718.00 $1,916.00 $718.00 $1,559.00
Leadore $784.00 $1,916.00 $784.00 $1,563.00
Lemhi $772.00 $1,916.00 $772.00 $1,563.00
Lenore $820.00 $1,916.00 $734.00 $1,714.00
Letha $707.00 $1,616.00 $680.00 $1,464.00
Lewiston $730.00 $1,821.00 $730.00 $1,714.00
Lewisville $764.00 $1,970.00 $704.00 $1,570.00
Lowman $707.00 $1,916.00 $707.00 $1,560.00
Lucile $769.00 $1,916.00 $769.00 $1,659.00
Mackay $797.00 $1,916.00 $729.00 $1,560.00
Macks Inn $772.00 $1,916.00 $750.00 $1,570.00
Malad City $737.00 $1,916.00 $696.00 $1,559.00
Malta $740.00 $1,916.00 $740.00 $1,492.00
Marsing $719.00 $1,679.00 $716.00 $1,560.00
May $772.00 $1,916.00 $772.00 $1,560.00
Mccall $736.00 $1,916.00 $736.00 $1,560.00
Mccammon $728.00 $1,997.00 $728.00 $1,559.00
Medimont $769.00 $2,073.00 $769.00 $1,618.00
Melba $764.00 $1,679.00 $692.00 $1,560.00
Menan $757.00 $1,970.00 $757.00 $1,570.00
Meridian $701.00 $1,621.00 $701.00 $1,415.00
Mesa $707.00 $1,916.00 $707.00 $1,560.00
Middleton $769.00 $1,750.00 $769.00 $1,467.00
Midvale $715.00 $1,916.00 $713.00 $1,560.00
Monteview $772.00 $1,970.00 $746.00 $1,570.00
Montpelier $704.00 $1,916.00 $704.00 $1,510.00
Moore $776.00 $1,916.00 $776.00 $1,560.00
Moscow $733.00 $1,916.00 $733.00 $1,678.00
Mountain Home $739.00 $1,561.00 $637.00 $1,560.00
Mountain Home Afb $655.00 $1,632.00 $655.00 $1,560.00
Moyie Springs $798.00 $2,073.00 $798.00 $1,641.00
Mullan $787.00 $2,073.00 $787.00 $1,558.00
Murphy $707.00 $1,916.00 $694.00 $1,560.00
Murtaugh $718.00 $1,916.00 $718.00 $1,491.00
Nampa $754.00 $1,724.00 $710.00 $1,490.00
Naples $797.00 $2,073.00 $797.00 $1,620.00
New Meadows $738.00 $1,916.00 $709.00 $1,656.00
New Plymouth $697.00 $1,750.00 $697.00 $1,500.00
Newdale $772.00 $1,970.00 $737.00 $1,570.00
Nezperce $804.00 $1,916.00 $788.00 $1,678.00
Nordman $769.00 $2,073.00 $769.00 $1,641.00
North Fork $772.00 $1,916.00 $772.00 $1,562.00
Oakley $726.00 $1,802.00 $726.00 $1,462.00
Ola $707.00 $1,916.00 $666.00 $1,560.00
Oldtown $788.00 $2,073.00 $788.00 $1,620.00
Orofino $824.00 $1,916.00 $824.00 $1,659.00
Osburn $806.00 $2,073.00 $802.00 $1,558.00
Parma $771.00 $1,679.00 $771.00 $1,500.00
Paul $707.00 $1,916.00 $697.00 $1,490.00
Payette $690.00 $1,750.00 $653.00 $1,560.00
Peck $736.00 $1,916.00 $736.00 $1,714.00
Picabo $733.00 $1,916.00 $716.00 $1,498.00
Pierce $826.00 $1,916.00 $826.00 $1,695.00
Pinehurst $825.00 $2,073.00 $770.00 $1,618.00
Pingree $832.00 $1,916.00 $719.00 $1,559.00
Placerville $707.00 $1,916.00 $678.00 $1,560.00
Plummer $802.00 $2,073.00 $802.00 $1,629.00
Pocatello $801.00 $1,997.00 $691.00 $1,591.00
Pollock $769.00 $1,916.00 $769.00 $1,656.00
Ponderay $785.00 $2,073.00 $785.00 $1,620.00
Post Falls $736.00 $2,022.00 $703.00 $1,512.00
Potlatch $747.00 $1,916.00 $747.00 $1,522.00
Preston $719.00 $1,916.00 $719.00 $1,525.00
Priest River $787.00 $2,073.00 $787.00 $1,620.00
Princeton $747.00 $1,916.00 $747.00 $1,522.00
Rathdrum $741.00 $2,073.00 $741.00 $1,549.00
Reubens $769.00 $1,916.00 $764.00 $1,714.00
Rexburg $735.00 $1,970.00 $722.00 $1,570.00
Richfield $729.00 $1,916.00 $729.00 $1,507.00
Rigby $770.00 $1,970.00 $710.00 $1,570.00
Riggins $800.00 $1,916.00 $782.00 $1,656.00
Ririe $772.00 $1,916.00 $703.00 $1,570.00
Roberts $773.00 $1,970.00 $773.00 $1,570.00
Rockland $715.00 $1,997.00 $715.00 $1,559.00
Rogerson $711.00 $1,916.00 $711.00 $1,491.00
Rupert $712.00 $1,916.00 $712.00 $1,455.00
Sagle $790.00 $2,073.00 $790.00 $1,620.00
Saint Charles $719.00 $1,916.00 $719.00 $1,525.00
Salmon $787.00 $1,916.00 $753.00 $1,563.00
Sandpoint $785.00 $2,073.00 $785.00 $1,549.00
Santa $810.00 $2,073.00 $810.00 $1,629.00
Shelley $789.00 $1,970.00 $722.00 $1,559.00
Shoshone $721.00 $1,916.00 $721.00 $1,525.00
Shoup $772.00 $1,916.00 $732.00 $1,560.00
Silverton $769.00 $2,073.00 $769.00 $1,558.00
Smelterville $825.00 $2,073.00 $770.00 $1,558.00
Soda Springs $712.00 $1,916.00 $712.00 $1,547.00
Spencer $772.00 $1,916.00 $751.00 $1,578.00
Spirit Lake $765.00 $2,073.00 $765.00 $1,549.00
Springfield $803.00 $1,916.00 $719.00 $1,559.00
St. Anthony $746.00 $1,970.00 $746.00 $1,570.00
St. Maries $821.00 $2,073.00 $821.00 $1,629.00
Stanley $784.00 $1,916.00 $698.00 $1,560.00
Star $707.00 $1,724.00 $707.00 $1,467.00
Stites $789.00 $1,916.00 $789.00 $1,560.00
Sugar City $736.00 $1,970.00 $714.00 $1,570.00
Sun Valley $733.00 $1,916.00 $694.00 $1,528.00
Swan Valley $814.00 $1,916.00 $772.00 $1,593.00
Swanlake $719.00 $1,916.00 $719.00 $1,559.00
Sweet $718.00 $1,916.00 $659.00 $1,560.00
Tendoy $772.00 $1,916.00 $772.00 $1,563.00
Tensed $788.00 $2,073.00 $788.00 $1,629.00
Terreton $776.00 $1,970.00 $776.00 $1,570.00
Teton $748.00 $1,970.00 $722.00 $1,570.00
Tetonia $827.00 $1,970.00 $799.00 $1,594.00
Thatcher $719.00 $1,916.00 $719.00 $1,525.00
Troy $744.00 $1,916.00 $744.00 $1,678.00
Twin Falls $714.00 $1,802.00 $714.00 $1,491.00
Victor $839.00 $1,970.00 $783.00 $1,593.00
Viola $739.00 $1,916.00 $739.00 $1,678.00
Wallace $791.00 $2,073.00 $791.00 $1,558.00
Warren $769.00 $1,916.00 $769.00 $1,656.00
Wayan $719.00 $1,916.00 $719.00 $1,547.00
Weippe $815.00 $1,916.00 $815.00 $1,659.00
Weiser $695.00 $1,916.00 $681.00 $1,681.00
Wendell $705.00 $1,916.00 $705.00 $1,491.00
Weston $733.00 $1,916.00 $733.00 $1,525.00
White Bird $769.00 $1,916.00 $769.00 $1,659.00
Wilder $761.00 $1,679.00 $761.00 $1,500.00
Winchester $777.00 $1,916.00 $767.00 $1,714.00
Worley $793.00 $2,022.00 $770.00 $1,618.00
Yellow Pine $707.00 $1,916.00 $707.00 $1,560.00

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.

Frequently Asked Questions About Idaho Auto Insurance

1. Isn't making young men pay higher premiums considered discrimination?

Idaho law states that it can charge certain groups more for insurance as long as it can prove the risk among that group is higher.

2. Why are premiums sometimes higher than the quote?

This is misquoted, and usually means you have a mistake in your application. Usually, either your agent didn't read the rate table correctly, or your application doesn’t match your driving record.

3. How important are driving records?

If you have numerous claims on your record, your insurance company may add a surcharge to your rates. If you have too many claims, your insurance company may drop your coverage.

How to Get Great Rates on Idaho Auto Insurance

Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.

insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

Idaho Division of Insurance

Laws, policies and regulations pertaining to auto insurance in Idaho

http://www.doi.idaho.gov/

Idaho Transportation Department, Division of Motor Vehicles

Links to Idaho motor vehicle laws and online services such as driver licensing and vehicle registration

http://itd.idaho.gov/dmv/

Idaho Cell Phone Driving Laws

Can you talk and drive in Idaho?

http://www.ghsa.org/html/stateinfo/laws/cellphone_laws.html

insuranceQuotes.com Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.

Average cost of car insurance by state

Find out how a county’s insurance rate stacks up against the state average, as well as how it fares against other counties in the state.

Use our interactive map to find out:

  • How your state compares to the national average
  • How your county compares to the state average
  • How your ZIP compares to the county

Use the "Select state" or "Select county" dropdown menu to choose your state, then your county.

Reset Map

% Difference from national average rate

    We are comparing rates now, this may take a few minutes to complete.

    Progress

    Get Free Auto Insurance Quotes

    Is it the right time to shop for Auto Insurance?

    Car insurance rates constantly fluctuate and vary each month. Find out when you should shop for new quotes.