Average Car Insurance Cost in Idaho (2025)
Drivers in Idaho pay an average of $97 per month for car insurance.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
On average, Idaho drivers spend $97 per month on their car insurance premium, which is much less than the national average of $151.
Many local factors can influence these rates. The state’s relative unlikelihood of major natural disasters and lower crime rates may be part of the reason for the lower car insurance rates. Although rates are cheaper than in other states, full-coverage car insurance in Idaho rose to around $125 per month in 2024.
Here’s what you need to know about the average cost of car insurance in Idaho.
Quick Facts
Drivers in Idaho Falls pay the most for car insurance, while drivers in Pocatello pay the least.
Teen drivers pay the most compared to any other age group in Idaho, at $191 per month.
Idaho drivers with a DUI pay an average of $171 per month for car insurance coverage.
How much is car insurance in Idaho?
In the Gem State, drivers spend $97 per month on car insurance, or $1,164 per year. How much you pay depends on many factors, including the type of coverage you choose.
On average, Idaho drivers pay $68 per month for a liability-only policy and $126 for full coverage.
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How Idaho car insurance rates have changed over the past two years
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To find car insurance rates in Idaho and the U.S. over the last two years, download our data here.
The average yearly price for full-coverage car insurance in Idaho rose to about $1,500 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally and are more expensive than in Idaho.
See how Idaho car insurance prices have changed over the past two years below.
Average Idaho Car Insurance Rates over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Idaho car insurance rates by city
Where you live — even down to your ZIP code — affects how much you pay for car insurance. That’s because car insurance companies look at local factors like weather, traffic, and crime patterns when determining how much risk a customer poses when they get behind the wheel.[1] For example, Boise is one of the safest cities in the country, so drivers there will likely have lower rates.[2]
The table below shows how your rates can fluctuate based on where you live in Idaho.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Pocatello | $68 | $127 |
| Twin Falls | $69 | $134 |
| Idaho Falls | $69 | $145 |
| Boise | $74 | $132 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in Idaho (2025)
Average Idaho car insurance rates by age and gender
Teen drivers and young drivers spend more on their car insurance premiums than their more experienced counterparts. With age comes maturity and stronger driving skills, so most drivers see their rates drop once they reach age 25.
Gender can also play a role, with female drivers getting a break on their car insurance premiums, as they’re statistically less likely to get into an accident.
For example, a 16-year-old male pays the most for car insurance. The table below shows how age and gender affect rates in Idaho.
Age | Average Monthly Liability-Only Quote Male | Average Monthly Full-Coverage Quote Male |
|---|---|---|
| 16 | $157 | $301 |
| 18 | $137 | $261 |
| 20 | $92 | $176 |
| 25 | $80 | $152 |
| 30 | $67 | $128 |
| 40 | $62 | $119 |
| 50 | $55 | $105 |
| 60 | $51 | $98 |
| 70+ | $58 | $109 |
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.
Age | Average Monthly Liability-Only Quote Female | Average Monthly Full-Coverage Quote Female |
|---|---|---|
| 16 | $145 | $278 |
| 18 | $126 | $242 |
| 20 | $85 | $163 |
| 25 | $74 | $141 |
| 30 | $62 | $118 |
| 40 | $57 | $110 |
| 50 | $50 | $97 |
| 60 | $48 | $90 |
| 70+ | $53 | $101 |
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.
Average cost to insure popular vehicles in Idaho
Below, you’ll find a list of the most popular vehicle types in Idaho and how much it costs to insure them. These vehicles are popular in Idaho due to their versatility and suitability for the state’s diverse terrains and climates.
Pickup trucks like the Ford F-Series, Chevrolet Silverado, GMC Sierra, and Dodge Ram series are popular choices for fun Idaho wilderness outings, thanks to their towing capacity and performance on rugged landscapes.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $126 |
| Chevrolet Silverado | $134 |
| GMC Sierra | $135 |
| Ram 1500/2500/3500 | $150 |
| Toyota RAV4 | $124 |
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.
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How your driving record affects car insurance rates in Idaho
Having a clean driving record helps you financially. Idaho drivers looking for cheap car insurance should focus on practicing safe driving habits so they can keep their records clean. Having a record free of incidents like speeding tickets, car accidents, and driving under the influence (DUI) gives insurers the confidence to insure you at a reasonable rate.
The severity of an incident on your driving record can affect your car insurance premium. For example, Idaho drivers with a clean driving record pay an average rate of $130 per month for a full-coverage policy. On the other hand, drivers in Idaho with a speeding ticket on their record pay an average of $200 for full coverage.
The following table highlights the average rates for Idaho drivers with an incident on their record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $153 | 55% |
| With speeding ticket | $152 | 54% |
| With DUI | $173 | 75% |
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.
In some states, including Idaho, car insurance companies can use your credit history to inform how they set your car insurance rates. Having a strong credit history can help you save on car insurance. While the average cost of full-coverage car insurance for Idaho drivers with poor credit is $148 per month, drivers with excellent credit pay just $138 for the same full-coverage policy.
How to lower your insurance costs in Idaho
Some auto insurance pricing factors you can’t control, like your age and gender. But you can take some simple steps to save on your policy:
Ask about discounts
Many car insurance companies offer discounts for safe drivers, low-mileage drivers, or customers with safety features in their vehicles. Ask an insurance agent about what potential discounts you may qualify for so you don’t miss out on easy savings.
Choose an affordable car
Your car insurance premium depends on factors like the car’s price, repair costs, safety ratings, and theft risk. Research insurance costs before buying a new or used car so you don’t buy the wrong car and get stuck with an unnecessarily high auto insurance premium.
Raise your deductible
Having a higher deductible can reduce your monthly premium. Just make sure you have savings set aside in case you need to file a claim.
Bundle policies
Many insurers extend discounts to customers who bundle auto insurance with home or renters insurance. See if you can bundle your insurance policies under one insurer to simplify and save all at once.
Shop around
Before you buy a car insurance policy, compare quotes from multiple insurers before choosing a policy. Ideally, get quotes from at least three auto insurance companies for the same type and amount of coverage.
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Idaho average car insurance cost FAQs
To better understand how to find the best deals on an Idaho car insurance policy, check out the additional information below.
On average, Idaho drivers spend $810 per year for liability coverage and $1,517 for full coverage.
The cheapest coverage can vary from driver to driver. But, in general, National General offers the lowest rates in Idaho for liability-only insurance, averaging $55 per month. Progressive offers the second-lowest rates, at $59 per month.
In Idaho, the average monthly rate for car insurance varies based on the policy type you choose. Idaho drivers spend an average of $68 per month for liability-only car insurance and $126 per month for full coverage.
Liberty Mutual, National General, Progressive, Safeco, State Farm, and The General are some of the best car insurance companies in Idaho. They’re all reputable insurers that sell car insurance policies for reasonable rates. You can also work with local insurers with strong industry reputations, like the Idaho Farm Bureau Insurance Company.
In Idaho, drivers must carry liability insurance with minimum coverage limits of $25,000 per person and $50,000 per accident in bodily injury liability, plus $15,000 in property damage liability coverage.
Idaho car insurance companies must include uninsured motorist (UM) and underinsured motorist (UIM) bodily injury coverage unless the policyholder declines them in writing.[3] That said, a higher coverage amount can protect you better on the road.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- III. "What determines the price of an auto insurance policy?."
- Forbes. "The Safest Cities in The U.S.."
- Department of Insurance Idaho. "Required Auto Coverage."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.