Average Cost of Car Insurance Rates in Idaho (2022)

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Last Updated: January 2022

How Much Does Car Insurance Cost In Idaho?

On average, car insurance rates for drivers in Idaho are $147 per month, and $1768 per year. The average rates make Idaho the 46th most expensive state in the country for car insurance rates and 51% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $14750%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Idaho Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Idaho and has selected the following providers and quotes as the best rates for drivers in Idaho.

Cheapest Companies

Idaho Car Insurance Rates by City

For drivers in Idaho, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Idaho.
Coeur D Alene$143
Idaho Falls$137
Post Falls$133
Twin Falls$123

What Is the Average Cost of Car Insurance in Idaho by Age?

Teen drivers in Idaho pay a relatively steep price for car insurance: $275 per month on average. Luckily, the rates go down by over $100 as you enter into adulthood, with drivers in their 20s paying an average of $159 per month. Average rates continue to decrease as Idaho drivers age and actually fall under $100 per month for drivers in their 60s, 70s, and over 80.


What Is the Average Cost of Car Insurance in Idaho by Gender?

For Idaho drivers, there is only a slight difference in average car insurance rate based on gender. Men pay $154 per month on average, while women pay a bit less at $141 per month.


Does Marital Status Influence the Average Cost of Car Insurance in Idaho?

In Idaho, married drivers on average pay less for car insurance—by about $22 per month. Married drivers have an average car insurance rate of $132, while single drivers pay $154 per month. This means single drivers’ car insurance rates are, on average, $7 higher than the statewide car insurance average.

Marital Status

What Are the Minimum Car Insurance Requirements in Idaho?

In Idaho, drivers must have a minimum of $25,000 in bodily injury liability per person and $50,000 per accident. They also must have at least $10,000 in property damage liability per accident. Uninsured and underinsured motorist coverage is an optional form of coverage in Idaho.


How Does Credit History Affect Idaho Car Insurance Rates?

Idaho allows car insurance companies to consider your credit score when determining your car insurance rates. Despite this, drivers with an excellent credit history actually only pay $4 less on car insurance ($134 per month) than those with a poor credit history ($138 per month). Drivers with an average or good credit history pay even more, at $147 per month and $152 per month, respectively.

Credit History

What Is the Average Cost of Car Insurance in Idaho for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Idaho will pay $12 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $23. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving History
No Violation$140
At-Fault Accident$163

Tips for Researching Idaho Car Insurance Rates

Car insurance rates can vary widely between car insurance companies. And with several carriers offering their services in Idaho, drivers in the Gem State will want to make sure they’re comparing rates so that they can find a policy that fits their budget and unique needs.

Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, dozens of free car insurance quotes are just a few clicks away, setting you up to find the right policy at the right price.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

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Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

FAQs - Idaho Car Insurance

Why is car insurance so expensive in Idaho?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Idaho?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Idaho. Insurify analyzed the latest data for the five most populous cities in Idaho to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Idaho?

The way to find the carrier with the best auto insurance ratings in Idaho and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How much do annual auto insurance rates increase in Idaho?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.