How your age affects your Idaho car insurance rates
Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.
The following table gives a high-level view of how age can affect insurance rates.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Quotes for younger drivers
Idaho has a graduated licensing program for teenagers, designed to help them gain experience safely before they’re fully licensed. Drivers younger than 17 must complete classroom instruction, behind-the-wheel instruction, and in-car observation. They also must complete at least six months of supervised driving.
As in virtually every state, Idaho teen drivers face higher insurance rates than motorists over the age of 25.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Quotes for middle-aged drivers
Generally, once you’ve passed age 25 and logged more driving hours, your car insurance rates will likely begin to decline, especially if you maintain a clean driving record.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Quotes for senior drivers
Senior drivers in Idaho enjoy some especially low insurance rates. For example, minimum coverage with Liberty Mutual can be as cheap as $41 per month. However, infractions like an accident or DUI will significantly increase rates for senior drivers.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.