Temporary Car Insurance in Idaho:
Costs and Quotes (2022)

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Last Updated: January 2022

Cheapest Companies for Temporary Car Insurance Idaho (2022)

For drivers looking for temporary insurance in Idaho, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers looking for a 6-month policy.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Idaho. The following are the best insurance rates from carriers that offer temporary car insurance for drivers in Idaho.

What Is Temporary Car Insurance and How to Get It in Idaho?

As a driver in Idaho, it is a requirement to maintain the minimum auto insurance coverage set forth by the state. Generally, most auto insurance companies will offer multiple options for coverage, but only two lengths: six months and one year. For most drivers, a six-month policy provides the most flexibility and the best competitive pricing.

It is also a great option for drivers who typically don’t need auto insurance coverage for an entire year. Parents often use it if they have students who only drive during the summer or winter months. It can also be used as a way to improve the driving record of motorists who have had violations in the past.

What Are the Average Short-Term Car Insurance Rates in Idaho?

In Idaho, a six-month short-term policy will cost a driver $156 a month on average. Compared to other states, the average is fairly competitive. Motorists can expect to pay less than $1,000 for a policy, as it usually costs $938 to maintain coverage for the six-month period.

Length of Short-Term Insurance Policy
6 months$156$938

What Are the Benefits of Choosing a Six-Month Auto Insurance Policy in Idaho?

For most drivers, the biggest benefit of selecting a six-month auto insurance plan is the flexibility in pricing it provides. Having a half-year commitment allows policyholders to shop around with multiple providers to find the best coverage and rates.

It is also a fantastic option for drivers who haven’t had a good history of keeping their driving record clean. Similar to how making timely payments on credit cards has a positive impact on your credit score, keeping a clean driving record during the six months can result in lower rates. To find out if you are eligible for lower rates, use Insurify to quickly compare quotes.

Find Cheap Short-Term Car Insurance in Minutes

You could find cheap short term car insurance options in Idaho within minutes using Insurify. All you’ve got to do is fill in some basic information about yourself and your car, and you’ll be presented with a list of up to 20 short-term car insurance policy options within minutes. These quotes are customized, real-time, and accurate. Insurify also allows you the option to toggle between the rates for a six-month policy and a 12-month policy—that way you can see for yourself which option is best for you.

Compare quotes fast, free, and online with Insurify’s car insurance quote comparison tool.

Best Short-Term Car Insurance Plans in Idaho

Insurance prices and policies can vary significantly between companies, and a state like Idaho draws a wide variety of choices when drivers are evaluating temporary car insurance plans.

Insurify's rate 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 you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
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.

Methodology

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.