Average Car Insurance Cost in Idaho (2025)
Drivers in Idaho pay an average of $85 per month for car insurance.
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On average, Idaho drivers spend $85 per month on their car insurance premium, which is much less than the national average of $143.
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.
How much is car insurance in Idaho?
In the Gem State, drivers spend $85 per month on car insurance, or $1,021 per year. How much you pay depends on many factors, including the type of coverage you choose.
On average, Idaho drivers pay $64 per month for a liability-only policy and $106 for full coverage.
How Idaho car insurance rates have changed over the past two years
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 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.
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.
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.
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.
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:
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 $767 per year for liability coverage and $1,274 for full coverage.
The cheapest coverage can vary from driver to driver. But, in general, Auto-Owners offers the lowest rates in Idaho for liability-only insurance, averaging $33 per month. State Farm offers the second-lowest rates, at $35 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 $64 per month for liability-only car insurance and $106 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.
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