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Jerry Data & Research
The Cheapest Car Insurance for Idaho Drivers
The Cheapest Car Insurance for Idaho Drivers
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Idaho.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Alessandra Forero, Insurance writer
Edited by Aimee Lynn Everett, Licensed Agent
What's on this page?
- How to find the cheapest car insurance quotes in Idaho
- Cheapest car insurance companies in Idaho
- Idaho Car Insurance Coverage Requirements
- Cheapest full coverage car insurance quotes in Idaho
- Idaho Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Idaho?
- Car Insurance for High-Risk Idaho Drivers
- Cheapest car insurance for Idaho drivers with a speeding ticket
- Car Insurance for Idaho Drivers With DUI
- Car Insurance for Idaho Drivers With a Coverage Lapse
- Car Insurance for Idaho Drivers With a Low Credit Score
- Idaho Car Insurance Cost by Age
- Cheapest car insurance for popular cars
- Is it cheaper to insure a new car or a used car?
- Cheapest car insurance in Idaho by location
- How to lower the cost of car insurance in Idaho
- Why is car insurance so expensive in Idaho?
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in Idaho
No
car insurance
company is perfect—but cheap coverage is out there if you know where to look. To find the lowest rates in Idaho, drivers should compare quotes
from multiple car insurance companies to ensure they’re finding the best coverage and price. Jerry can help simplify the search process by collecting and comparing quotes on your behalf, so you can easily compare rates across insurance companies to find the right policy.
| Date | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
January 27, 2025 | Travelers | $106 | Landon, 30 | Dodge Charger Police | • 100,000/300,000 Liability • Comp / Collision |
January 21, 2025 | Clearcover | $157 | Calvin, 36 | Mazda CX-3 Grand Touring | • 100,000/300,000 Liability • Comp / Collision |
January 14, 2025 | Bristol West | $77 | Ora, 44 | KIA Forte EX | • 50,000/100,000 Liability |
January 13, 2025 | Safeco | $120 | Sophie, 25 | Tesla Model 3 | • State Minimum Liability • Comp / Collision |
January 10, 2025 | Nationwide | $96 | Annie, 35 | Infiniti G37 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 27, 2025Cheapest car insurance companies in Idaho
Curious about the car insurance company with the lowest rates in Idaho? Jerry conducted the largest nationwide insurance shopping survey to uncover the answer:
The results of our survey show that there is no singular “cheapest” insurance company out there for Idaho drivers—but Idaho drivers rated Dairyland, Progressive, and Safeco as the best insurance companies in the state.
Find out what drivers in Idaho have to say about these insurers and others below:
| Insurance company | Date | City | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|---|
| AAA | January 26, 2025 | Boise, ID | 4 | "Saved almost $100 a month compared to my last provider" -Duane |
| AAA | January 26, 2025 | Boise, ID | 4 | "They are fast to respond and provide multiple and easy ways to report / make a claim. " -Todd |
| Allstate | January 23, 2025 | Lewiston, ID | 5 | "Amazing that I was able to
Find affordable insurance with my driving violations years ago and bad credit. Thanks so m...(read more)" -Owen |
| Allstate | January 20, 2025 | Boise, ID | 5 | "Allstate has great coverage for a great price! " -Sallie |
| Progressive | January 16, 2025 | Boise, ID | 5 | "I’m loving Progressive! I have great rates through Jerry and the ability to have access to my insurance cards online ...(read more)" -Ola |
Last Updated Jan 26, 2025
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you want to compare car insurance quotes quickly, the easiest way to do so is by using a car insurance comparison website or app.
That's where Jerry comes in to save the day! We're
a trusted insurance agency
with a free app that not only compares car insurance quotes but also offers top-notch service from an amazing team of 100+ licensed insurance agents. Minimum liability and full coverage
Drivers in Idaho must carry a minimum amount of car insurance coverage before hitting the road. However, you may consider adding extra coverage options that provide additional protection for damages and repairs to your vehicle.
Cheapest minimum liability coverage car insurance quotes in Idaho
In Idaho, liability insurance is mandatory for every driver.
If you happen to be at fault in an accident, your liability coverage provides protection for the other driver involved. This insurance type covers expenses such as lost wages, property damage, and medical bills resulting from your actions.
- $25,000 per person / $50,000 per accident in bodily injury liability coverage
- $15,000 per accident in property damage liability coverage
This amount of coverage is often expressed more simply as 25/50/15. Idaho car insurance policies also automatically include
uninsured/underinsured motorist coverage
, but drivers can waive that coverage if they choose. The table below shows how Jerry has helped many car owners in Idaho obtain the required minimum liability coverage:
Travelers
Leroy (31 years old)
$92
per month
National General
Helen (23 years old)
$72
per month
Do you need more than minimum coverage in Idaho?
Idaho’s minimum car insurance requirements won’t give you total protection in the event of an accident. That’s why it’s always a good idea to invest in higher coverage limits and policy add-ons.
Most drivers add
comprehensive coverage
and collision coverage
to their auto insurance policy. Paired with your minimum liability coverage, these insurance coverages can offer full coverage on your vehicle from damage in the event of accidents, natural disasters, vandalism, theft, and other incidents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage car insurance quotes in Idaho
To safeguard yourself from expenses like repairing or replacing your vehicle,
full coverage car insurance
is the ideal choice.Full coverage policies contain your liability coverage, as well as
comprehensive
and collision coverage
. Collision coverage takes care of costs associated with repairing or replacing your car after an accident, while comprehensive coverage provides compensation for theft or damage caused by non-collision incidents.If you are leasing or financing your vehicle, your lender will require you to carry a full-coverage policy until your loan’s paid off. The good news is, Jerry can help you find the cheapest rates.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $105 | Sue, 59 | Volkswagen Jetta SE |
• State Minimum Liability • Comp / Collision | Safeco | $120 | Sophie, 25 | Tesla Model 3 |
• 50,000/100,000 Liability • Comp / Collision | Travelers | $110 | Elmer, 28 | Honda Civic LX |
• 100,000/300,000 Liability • Comp / Collision | Nationwide | $64 | Philip, 37 | Nissan Xterra OFF Road |
• 50,000/100,000 Liability • Comp / Collision | Bristol West | $107 | Trevor, 63 Cocolalla, ID | Hyundai Santa FE Sport |
Last Updated Jan 29, 2025Average rates for state minimum liability coverage and full coverage
Through our experience assisting policyholders in Idaho, Jerry has discovered that the average monthly cost for minimum liability insurance is around $102, or $1,220 annually. In the case of full coverage insurance, the average monthly cost in Idaho is approximately $205, totaling $446 per year.
| Insurance coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $70 | $845 |
Full coverage | $96 | $1,147 |
While average insurance rates can give you a general idea of what your personal insurance costs might be, it's important to acknowledge that each driver's premium is calculated uniquely. Factors such as your age, driving record, claims history, vehicle type, and location all play a role in determining your individual premium.
Idaho car insurance: Additional coverages
Apart from collision and comprehensive coverage, there are other types of car insurance worth considering in Idaho, including:
- Uninsured motorist coverage/underinsured motorist coverage (UM/UIM)
- Personal injury protection (PIP)
- Medical payments (MedPay)
- Towing and labor coverage
- Rental reimbursement coverage
For drivers who lease or finance a vehicle: It's recommended that you purchase
gap insurance
. This type of coverage covers the difference between what you owe on your financed car and its actual cash value in the event of theft or a total loss.For drivers who frequently borrow or rent a vehicle: A
non-owner car insurance
policy offers liability coverage regardless of the car you're driving. However, it does not cover damages to the vehicle or personal injuries in an accident.How Do Different Factors Impact Your Car Insurance Costs in Idaho?
How Do Different Factors Impact Your Car Insurance Costs in Idaho?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Idaho currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Idaho:
Cheapest Idaho car Insurance after a driving violation
Your driving history impacts your
auto insurance quotes
—and having violations on your record can lead to significant price hikes. Insurance companies view a history of violations as an indication of higher risk, and will charge you a higher rate accordingly.Cheapest car insurance for Idaho drivers with a speeding ticket
Having a speeding ticket on your driving record can result in an increase in your car insurance rate.
On average, Idaho drivers that are caught speeding up to 15 mph over the limit experience a 21% rate increase, while drivers caught speeding 16+ mph over the limit could face even
steeper price hikes
. But even with a ticket on your record, finding affordable rates is still possible. Jerry has helped drivers with various speeding tickets save on their insurance costs:
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $83 | Rosetta, 33 Ammon, ID | • 100,000/300,000 Liability • Comp / Collision |
Speeding 16-20 | Safeco | $177 | Irene, 22 Ammon, ID | • State Minimum Liability • Comp / Collision |
Last Updated Jan 30, 2025Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Great Experience!
Andres
Awesome company! Great rates!
Delana
Saved a ton switching to Travelers.
Isaiah
Progressive has been great so far. Thanks Jerry for showing me cheaper car insurance!
Paige
Cheapest auto insurance in Idaho after a DUI
Speeding violations are not the only thing that can raise your insurance rates. In Idaho,
DUIs are considered a significant violation
that can result in substantial increases in car insurance costs.Exactly how much you pay for insurance after a DUI conviction can vary greatly among carriers—that’s why it’s smart to
shop around and compare rates
from various insurance companies. The table below showcases how Jerry has assisted high-risk drivers in finding affordable coverage options after a DUI:Arthur (42 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$72
per month
Katharine (29 years old)
DUI
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$216
per month
Idaho SR-22 insurance
In the event of a serious violation, like a DUI, you may have to fulfill a legal obligation called an SR-22 filing. An
Idaho SR-22
is issued by insurance companies to certify that you have the minimum liability coverage required by Idaho law.SR-22s may also be required if:
- You’re caught driving without insurance
- You are convicted of areckless driving charge
- Your driver’s license was suspended or revoked
After being convicted of a serious driving offense, Idaho requires you to carry SR-22 insurance for a minimum of three years.
Cheapest Idaho auto insurance after an at-fault accident
Your accident history can influence your car insurance rates, since insurance companies assess your at-fault accidents to determine your level of risk. Recent at-fault accidents can lead to significant rate increases.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Clearcover | $157 | Sean, 35 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $119 | Celia, 27 | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | Allstate | $103 | Leo, 31 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Nationwide | $131 | Helena, 25 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | Bristol West | $253 | Lillie, 26 | • State Minimum Liability • Comp / Collision |
Last Updated Jan 26, 2025FAQ
FAQ: Is Idaho an at-fault state?
Yes, Idaho follows an at-fault insurance system. That means drivers aren’t responsible for carrying no-fault types of insurance. Instead, medical expenses, lost wages, and vehicle damages can all be recouped through the at-fault driver’s liability insurance. But liability coverage alone won’t cover your own expenses if you’re at fault. That’s why it’s advisable to carry extra coverages that help protect both yourself and your financial assets.
Cheapest auto insurance after other violations in Idaho
In addition to speeding tickets and DUIs, other types of violations can lead to higher car insurance costs in Idaho. Check out the list below to see different driving violations and how Jerry assisted drivers in saving on their car insurance.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $125 | Olive, 22 | Chrysler 200 LX | • State Minimum Liability |
Cell Phone | Safeco | $78 | Seth, 34 Ketchum, ID | Toyota Tacoma Access Cab | • 50,000/100,000 Liability • Comp / Collision |
Defective Equipment | Allstate | $172 | William, 28 Richfield, ID | Jeep Cherokee Trailhawk | • 100,000/300,000 Liability • Comp / Collision |
Driving on Sus. License | Bristol West | $66 | Thomas, 44 | Chevrolet Cavalier LS | • State Minimum Liability |
DUI | Safeco | $120 | Rosie, 47 Marsing, ID | Dodge Dart SXT | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | Travelers | $100 | Gary, 34 | Toyota Tacoma Double Cab | • 100,000/300,000 Liability • Comp / Collision |
Illegal Turn | Progressive | $127 | Lilly, 35 | Ford F150 Supercrew | • State Minimum Liability • Comp / Collision |
Improper Passing | Bristol West | $137 | Clayton, 22 Chubbuck, ID | Toyota Camry LE | • State Minimum Liability |
Speeding 16-20 | National General | $246 | Lola, 22 Ammon, ID | Honda Civic Sport | • State Minimum Liability • Comp / Collision |
Speeding 1-5 | Travelers | $103 | Raymond, 33 Ammon, ID | Subaru Impreza Premium Plus | • 100,000/300,000 Liability • Comp / Collision |
Suspension | Nationwide | $100 | Rodney, 36 | Volkswagen Jetta Wolfsburg | • State Minimum Liability • Comp / Collision |
Following too Closely | Allstate | $97 | Carlos, 73 Ketchum, ID | Toyota Venza LE | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 30, 2025Cheapest auto insurance in Idaho based on insurance history
Like your accident history, your insurance history plays a role in determining your car insurance rates. This includes factors like how long you've been insured and whether you've had any
coverage lapses
. If you’ve experienced a lapse of coverage in the recent past, chances are you’ll face higher insurance premiums.
At Jerry, we understand the importance of timely payments and avoiding coverage gaps. That's why we provide payment reminders to eligible customers, ensuring they stay on track. We can also help drivers find affordable policies, even if they are currently uninsured or have experienced coverage lapses.
Blanche (22 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Ammon, ID$170
per month
Larry (34 years old)
$96
per month
Norman (23 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$179
per month
Gary (34 years old)
Not Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$90
per month
Bristol West
Jerome (33 years old)
$77
per month
Cheapest car insurance for drivers with poor credit
While your credit score doesn't prove your driving ability, insurance companies nonetheless factor in credit history when calculating your rates. That’s because insurers have observed a connection between lower credit scores and increased claim filing.
As a result, having a lower credit score can lead to higher insurance costs.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $80 | Minerva, 27 | Honda Civic LX | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | Allstate | $116 | Charlie, 34 | Hyundai Accent SE | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | Allstate | $143 | Micheal, 26 | Dodge Avenger SE | • State Minimum Liability • Comp / Collision |
< 550 | Allstate | $104 | Emily, 63 Jerome, ID | Chevrolet Avalanche LS | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 25, 2025Cheapest car insurance in Idaho by age
Young drivers typically face some of the highest auto insurance rates, in large part due to limited driving experience and a likelihood of accidents. The good news is, steep rates gradually start to drop off as drivers turn 25
2
. Cheapest car insurance in Idaho for young drivers
Young drivers are best served by a full-coverage car insurance policy that can shoulder the brunt of accident-related damages in the event of a collision or loss. Jerry can help young drivers find the best rates when it comes to comprehensive and collision coverage.
Cory (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$109
per month
Travelers
Eva (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$181
per month
Gary (24 years old)
$169
per month
Cheapest car insurance in Idaho for senior drivers
Similar to teen drivers, senior drivers pose another kind of heightened risk in the eyes of insurance agencies. That’s because:
- Senior drivers have a higher likelihood of being involved in accidents
- Senior drivers are more susceptible to severe injuries in collisions, resulting in substantial medical expenses and increased costs for insurance providers
Drivers typically see a sudden increase in their insurance rates once they hit their mid-70s. Compare the average costs of Idaho car insurance for senior drivers (along with potential savings) below:
Mary (70 years old)
$72
per month
Hunter (71 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$152
per month
Travelers
Cecelia (83 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$70
per month
Over 4,000,000 customers and counting
We’ve earned an App Store rating of 4.7 stars for all we do to make car ownership easier.
I saved over $100 by switching!!!! I recommend it to all my family & friends.
Alexa
Quick to respond to claims and very friendly service.
Gabino
Allstate has great coverage for a great price!
Jessie
Super affordable and much less hassle than other carriers I've had.
Kacie
Cheapest car insurance for popular cars
Another rating factor reviewed by car insurance companies? The type of car you drive.
While the myth that your car’s color can affect your insurance rates is false, it’s true that insurers look at your vehicle’s make and model when determining your premium. The rating factors associated with the type of car you own include repair or replacement costs, the likelihood of theft, and the vehicle's overall safety record.
That’s why drivers of certain vehicles may receive above-average rates when it comes to coverage. Some of the most popular models among Idahoans include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota RAV4 | Progressive | $139 | Arthur, 20 | • State Minimum Liability |
Last Updated Jan 30, 2025Is it cheaper to insure a new car or a used car?
On average, new vehicles tend to carry higher insurance costs compared to used or older models.
There are several factors that contribute to this disparity in insurance premiums, including:
- New cars are more expensive to repair or replace in the event of an accident, as their parts may be more costly and harder to find
- New vehicles often come equipped with advanced safety features and technology, which can increase their overall value
- New cars may be more appealing to thieves, increasing the risk of theft and subsequent insurance claims
- Insurance providers consider the depreciation rate of a vehicle, which tends to be higher for new cars, leading to higher insurance premiums to account for potential loss in value.
Therefore, it is important for car owners to carefully consider these factors when choosing a vehicle and obtaining insurance coverage.
Gary (37 years old)
$94
per month
Safeco
Rose (43 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$69
per month
Joe (31 years old)
$77
per month
Hunter (71 years old)
$152
per month
National General
Winnie (33 years old)
$95
per month
Bristol West
Ann (35 years old)
$62
per month
Cheapest car insurance in Idaho by location
In addition to the factors above, where you live affects your insurance costs. Stats like population density, accident rates, crime statistics, and climate can all influence your rates, so that insurance premiums may vary across different cities and even zip codes.
Jerry has assisted Gem State drivers in finding the best car insurance rates and appropriate coverage levels based on their specific needs.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Pocatello, ID | Gussie, 37 | Allstate | $256 | Subaru Legacy 3.6R Limited | • 100,000/300,000 Liability • Comp / Collision |
| Kuna, ID | Sophie, 25 | Safeco | $120 | Tesla Model 3 | • State Minimum Liability • Comp / Collision |
| Boise, ID | Dustin, 37 | Nationwide | $64 | Nissan Xterra OFF Road | • 100,000/300,000 Liability • Comp / Collision |
| Blackfoot, ID | Richard, 36 | Clearcover | $157 | Mazda CX-3 Grand Touring | • 100,000/300,000 Liability • Comp / Collision |
| Caldwell, ID | Austin, 22 | Bristol West | $145 | Subaru Outback 2.5I Premium | • State Minimum Liability |
| Boise, ID | Mae, 58 | National General | $64 | Honda Civic LX | • State Minimum Liability • Comp / Collision |
| Boise, ID | Chester, 53 | Gainsco | $272 | Cadillac XTS Premium Collection | • State Minimum Liability • Comp / Collision |
| Post Falls, ID | Helena, 23 | National General | $98 | Subaru Forester 2.5I Premiu | • 50,000/100,000 Liability • Comp / Collision |
| Nampa, ID | Marcus, 24 | Mercury | $110 | Toyota Prius | • State Minimum Liability |
| Pocatello, ID | Elmer, 26 | Dairyland | $294 | BMW X1 xDrive28i | • State Minimum Liability • Comp / Collision |
| Boise, ID | Lola, 28 | Metlife | $127 | Subaru Crosstrek Premium | • 100,000/300,000 Liability • Comp / Collision |
| Meridian, ID | Fanny, 50 | Assurance America | $67 | Honda Pilot SE | • State Minimum Liability • Comp / Collision |
| Kuna, ID | Alberta, 22 | Embark General | $164 | Hyundai Elantra SE | • State Minimum Liability • Comp / Collision |
Last Updated Jan 30, 2025How to lower the cost of car insurance in Idaho
Looking to lower your insurance costs in Idaho? Here are some tips recommended by Jerry’s insurance agents:
- Obtain quotes from at least three to five different companies for comparison.
- Consider bundling your car insurance with your homeowners insurance.
- Look for available car insurance discounts that you qualify for, such as good driver discounts, low mileage discounts, and student discounts.
- Raise the deductibles for your comprehensive and collision coverage.
- Work on improving your credit score.
- Consider taking a defensive driving course, as some insurers offer discounts for completing approved courses.
- Consider dropping additional coverages, such as collision and comprehensive coverage, on older or infrequently driven vehicles.
Why is car insurance so expensive in Idaho?
Despite the fact that Idaho auto insurance coverage costs less compared to other states, premiums in the Gem State can quickly get pricey for the following reasons:
- A high percentage of uninsured drivers on the roads
- Increasing healthcare costs across the state
- Higher risks of natural disasters/severe weather (wildfire, flooding, etc.)
FAQs
What kind of car insurance do you need in Idaho?
The minimum required amounts of liability coverage for Idaho drivers include $25,000 per person and $50,000 per accident in bodily injury liability, and $15,000 per accident in property damage liability coverage.
What company has the cheapest car insurance in Idaho?
There’s no universal insurance company that can offer the cheapest rates in Idaho. Your best bet at finding cheap auto insurance is comparing quotes from multiple insurance companies to see who can offer you the lowest rate, since every carrier calculates their rates differently.
Does insurance follow the car or the driver in Idaho?
Your car insurance coverage is
typically attached to your vehicle
, rather than you (the driver). That means your liability coverage, along with add-ons like comprehensive or collision coverage, all follow your vehicle—even if you’re not the one driving it. So if someone else gets into an accident while driving your car, your insurance company would still likely be responsible for covering the claim, based on the coverages specified in your policy.
What happens if the person at fault in an accident is uninsured in Idaho?
Idaho insurance law assigns “fault” to drivers following an accident, with the driver deemed at-fault responsible for paying out the other party’s damages. But if you find yourself in a collision with a driver who lacks sufficient coverage, you could be facing out of pocket costs for your own damages.
That’s why most Idaho insurance policies automatically include uninsured/underinsured motorist coverage, which is designed to protect you from paying after an accident with an uninsured drivers.
Is it illegal to drive without car insurance in Idaho?
Yes. Driving without car insurance in Idaho could result in serious legal penalties like monetary fines and driver’s license suspension. Additionally, if you’re caught driving without coverage, auto insurance companies may charge you more—and you could be required to carry SR-22 insurance for at least a year.
How long does an at-fault accident stay on your record in Idaho?
On average, an at-fault accident remains on your Idaho driving record for about three years. But even if it lasts longer, insurance companies typically don’t look farther back than three years when determining your rates—so the consequences of increased insurance rates following an accident aren’t permanent.
What is the average cost of car insurance in Idaho?
Auto owners in Idaho pay an average of $2,457 per year in car insurance or $205 per month for full coverage policies, which is less than the national average.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
15 Years Working in Insurance
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.
Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.