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How much is car insurance in Idaho?
Idaho has cheaper car insurance rates than many states, but it’s tough on drunk driving. You can find great rates in Idaho by shopping around and comparing deals on car insurance.
Idaho
Car insurance quick facts
25/50/15
Minimum liability requirements
$1,410
Average annual car insurance cost
Varies by county
Days to update your license
At-fault state
In at fault states, the driver who caused the accident pays for damages.
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Compare Idaho car insurance
Most popular Idaho auto insurance companies list
| Company | Direct premiums written (billions) | Market share |
|---|---|---|
| State Farm | $149,266 | 14.3% |
| Geico | $115,128 | 11.0% |
| Farm Bureau Mutual | $111,964 | 10.7% |
| Liberty Mutual | $106,257 | 10.2% |
| Progressive | $103,174 | 9.9% |
| Allstate | $85,972 | 8.2% |
| Farmers | $83,019 | 7.9% |
| USAA | $63,066 | 6.0% |
| American Family | $32,953 | 3.2% |
| Travelers | $20,351 | 1.9% |
Cheap car insurance in Idaho
Car insurance costs vary by state, city and ZIP code. Idaho sits near the median cost for car insurance nationwide, which is around $83 a month or $998 a year. This is slightly lower than the national average of $118 a month or $1,410 a year.
Factors that can influence your insurance cost include your driving record, your age and your car. Location-based factors can come into play as well, like crime rates where you live or work. If you live near a city, you could expect rates to go up too, since accidents are more common in cities than in rural areas.
Cheapest car insurance in Idaho
| Company | Average annual rate | Learn more |
|---|---|---|
| Grange | $85 | |
| Allstate | $190 | |
| American National | $263 | |
| State Farm | $276 | |
| Enumclaw | $344 | |
| USAA | $361 | |
| Safeco | $398 | |
| Metromile | $419 | |
| Progressive | $525 | |
| Geico | $638 |
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
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1419 |
| American Family | $1234 |
| Farmers | $1280 |
| Metromile | $1005 |
| Progressive | $1340 |
Car insurance quotes in Twin Falls
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1509 |
| American Family | $1381 |
| Farmers | $1192 |
| Metromile | $997 |
| Progressive | $1428 |
Car insurance quotes in Meridian
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1481 |
| American Family | $1241 |
| Farmers | $1075 |
| Metromile | $1001 |
| Progressive | $1265 |
Car insurance quotes in Nampa
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1584 |
| American Family | $1379 |
| Farmers | $1249 |
| Metromile | $1046 |
| Progressive | $1329 |
Car insurance quotes in Post Falls
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1343 |
| American Family | $1352 |
| Farmers | $1024 |
| Metromile | $1033 |
| Progressive | $1263 |
Car insurance requirements in Idaho
In order to legally drive in Idaho, you’ll need liability insurance that at least includes:
- $25,000 for bodily injury to one person in a single accident.
- $50,000 for total bodily injury to two people or more in an accident
- $15,000 for property damage
When shopping for car insurance, you’ll sometimes see this written as 25/50/15.
You’re also required to purchase uninsured or underinsured motorists coverage (UM/UIM). This coverage protects you if you get into a car accident with someone who doesn’t have enough insurance to cover the damages caused by an accident.
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.
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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