How Much Does Car Insurance Cost on Average in Idaho?
- In Idaho you can expect to pay $49 a month or $590 a year for state minimum liability. Full coverage car insurance costs around $178 a month or $2,141 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Idaho – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Idaho Car Insurance Companies
- In Idaho the cheapest average car insurance companies are State Farm, Farm Bureau and Allstate. State minimum liability car insurance starts at $40 a month or $485 a year with State Farm. Full coverage policies starts at $136 a month or $1,627 a year.
Here is a breakdown of average costs from the cheapest local insurance providers in Idaho from our data set of used-car drivers who are single, middle aged and have a clean driving record.
| Insurance Provider | State Minimum | Monthly | Full Coverage | Monthly |
|---|---|---|---|---|
| State Farm | $485 | $40 | $1,627 | $136 |
| Farm Bureau of Idaho | $497 | $41 | $2,059 | $172 |
| Allstate | $609 | $51 | $2,885 | $240 |
| Farmers Insurance | $734 | $61 | $2,533 | $211 |
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 auto 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.
Auto Insurance Costs by City
| Idaho City | State Minimum | SM Monthly | Full Coverage | FC Monthly |
|---|---|---|---|---|
| Boise City | $590 | $49 | $2,141 | $178 |
| Caldwell | $591 | $49 | $2,277 | $190 |
| Coeur d’Alene | $530 | $44 | $2,270 | $189 |
| Eagle | $618 | $52 | $2,209 | $184 |
| Idaho Falls | $599 | $50 | $2,434 | $203 |
| Lewiston | $528 | $44 | $2,471 | $206 |
| Meridian | $582 | $48 | $2,081 | $173 |
| Nampa | $627 | $52 | $2,283 | $190 |
| Pocatello | $564 | $47 | $2,393 | $199 |
| Post Falls | $517 | $43 | $2,194 | $183 |
| Rexburg | $548 | $46 | $2,446 | $204 |
| Twin Falls | $566 | $47 | $2,280 | $190 |
List of Idaho Cities:
Average Cost for Car Insurance in Idaho by County
When you’re looking for the best auto insurance policy rates in Idaho it’s good to know what the costs are. We’ve provided a list below of the average costs of an auto insurance policy in ID below:
| Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Ada | $629 | $532 | $601 | $635 | $672 |
| Adams | $652 | $539 | $612 | $667 | $710 |
| Bannock | $669 | $549 | $621 | $690 | $737 |
| Bear Lake | $650 | $533 | $602 | $671 | $716 |
| Benewah | $713 | $588 | $665 | $733 | $781 |
| Bingham | $721 | $602 | $682 | $733 | $779 |
| Blaine | $720 | $592 | $672 | $640 | $788 |
| Boise | $652 | $539 | $612 | $667 | $710 |
| Bonner | $716 | $591 | $669 | $723 | $781 |
| Bonneville | $722 | $606 | $684 | $734 | $778 |
State Minimum Liability Car Insurance Requirements
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.
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.
