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Compare car insurance in Idaho

Get the cheapest car insurance in Idaho for 2021

The average cost of car insurance in Idaho is $828.32 a year or $69 per month, according to the National Association of Insurance Commissioners (NAIC). The state’s average sits 30% below the nationwide average, which is $1,190 per year.

However, your exact rate may cost more or less based on your driving record, age, car and ZIP code. Also, the NAIC’s average cost considers policies with state minimum coverage as well as those with added coverage like higher liability limits. Your rate will vary depending on the coverage you choose.

Idaho car insurance quick facts

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Minimum liability requirements

25/50/15

Average annual car insurance cost according to the NAIC

$828.32

At-fault state

In at fault states, the driver who caused the accident pays for damages.

State minimum car insurance requirements in Idaho

To legally drive in Idaho, you need liability insurance as well as uninsured or underinsured motorist coverage. When shopping for car insurance, you may see the amount of coverage required written as 25/50/15. These amounts are called your coverage limits, showing you how much your insurance will pay for different kinds of damage.

Let’s break down what’s covered by Idaho’s state minimum coverage in detail.

Bodily Injury Liability

Bodily injury liability

  • $25,000 for bodily injuries per person
  • $50,000 for injuries to two or more people per accident

For bodily injuries, Idaho requires you to carry 25/50, which pays up to $25,000 for injuries to one person and $50,000 total if you injure more than one person.

This coverage is important because it helps you pay for someone else’s medical bills or pain and suffering if you’re at fault in an accident. However, because medical bills can add up quickly, think about raising your bodily injury liability limits for higher protection.

Property damage liability

Property damage liability

  • $15,000 in property damage liability

Idaho requires at least $15,000 to repair or replace any property damage that you cause. It helps with damage to the other driver’s car or personal property like a phone, car seats or cargo. You’ll see this coverage limit in many states, although it provides low protection for an accident.

Uninsured or underinsured motorist

Uninsured or underinsured motorist

  • $25,000 for uninsured motorist bodily injuries per person
  • $50,000 for uninsured motorist bodily injuries to multiple people

You’re also required to purchase uninsured or underinsured motorists coverage. This coverage protects you if you get hit by a driver who doesn’t have enough insurance to cover the damage that they caused.

Idaho lets you waive this requirement if you reject buying the coverage in writing, but consider keeping it for the extra protection.

Finder tip: Idaho’s state minimum coverage isn’t enough

It’s true that Idaho’s car insurance requirements stays on par with other states. But it may not cover all of the damage that you might cause, especially for moderate or serious car accidents. Try raising the coverage limits and opting for add-ons, based on your budget and driving needs.

Most popular Idaho auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$149,26614.3%
Geico$115,12811.0%
Farm Bureau Mutual$111,96410.7%
Liberty Mutual$106,25710.2%
Progressive$103,1749.9%
Allstate$85,9728.2%
Farmers$83,0197.9%
USAA$63,0666.0%
American Family$32,9533.2%
Travelers$20,3511.9%

Compare Idaho car insurance

CompanyAverage annual rateLearn more
Grange$85
Allstate$190Get a quote Read review
American National$263
State Farm$276
Enumclaw$344
USAA$361Get a quote Read review
Safeco$398
Metromile$419Get a quote Read review
Progressive$525Get a quote Read review
Geico$638Read review

Which city has the cheapest car insurance in Idaho?

Of Idaho’s largest cities, Twin Falls has the cheapest rates and Nampa has the most expensive car insurance rates. Nampa drivers could face rates 2 times more than Twin Falls drivers.

Car insurance quotes in Boise

CompanyAnnual car insurance rate
Allstate$1419
American Family$1234
Farmers$1280
Metromile$1005
Progressive$1340

Car insurance quotes in Twin Falls

CompanyAnnual car insurance rate
Allstate$1509
American Family$1381
Farmers$1192
Metromile$997
Progressive$1428

Car insurance quotes in Meridian

CompanyAnnual car insurance rate
Allstate$1481
American Family$1241
Farmers$1075
Metromile$1001
Progressive$1265

Car insurance quotes in Nampa

CompanyAnnual car insurance rate
Allstate$1584
American Family$1379
Farmers$1249
Metromile$1046
Progressive$1329

Car insurance quotes in Post Falls

CompanyAnnual car insurance rate
Allstate$1343
American Family$1352
Farmers$1024
Metromile$1033
Progressive$1263

Compare car insurance providers in Idaho

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
loading

Compare up to 4 providers

Car insurance for high-risk drivers in Idaho

If you’re having issues finding affordable coverage or you’ve been rejected because you’re considered a high-risk driver, you can try getting insurance through the Western Association of Automobile Insurance Plans (WAAIP). With WAAIP, you can get affordable coverage through an automatically assigned provider.

Can I get SR-22 insurance in Idaho?

Yes, you can get SR-22 insurance in Idaho, and you might need it if you’ve gotten a DUI, lost your license or have too many violation points on your driving record. An SR-22 on file tells the state you have the minimum coverage required to get back behind the wheel.

How to file an SR-22 in Florida

Bottom line

Car insurance is both legally required and oftentimes a good decision for your own safety. Research your insurance options to make sure that you’re receiving the coverage that you need — and that your state requires.

To learn more about car insurance in general, from the best discounts and rates to the varying laws of the land, check out our comprehensive guide to car insurance.

Frequently asked questions about Idaho car insurance

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