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If you’re driving in Idaho, you’ll need to carry a minimum level of liability coverage. You’ll also have the option to carry additional protection on your policy, which might better protect you, your vehicle, your passengers and your fellow travelers on the road. Shopping around may allow you to find insurance cheaper than Idaho’s average annual car insurance cost of around $1,410.
Car insurance quick facts
In at fault states, the driver who caused the accident pays for damages.
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% |
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.
Company | Average annual rate | Learn more |
---|---|---|
Grange | $85 | |
Allstate | $190 | Get a quote |
American National | $263 | |
State Farm | $276 | Get a quote |
Enumclaw | $344 | |
USAA | $361 | Get a quote Read review |
Safeco | $398 | |
Metromile | $419 | Get a quote Read review |
Progressive | $525 | Get a quote Read review |
Geico | $638 |
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.
Company | Annual car insurance rate |
---|---|
Allstate | $1419 |
American Family | $1234 |
Farmers | $1280 |
Metromile | $1005 |
Progressive | $1340 |
Company | Annual car insurance rate |
---|---|
Allstate | $1509 |
American Family | $1381 |
Farmers | $1192 |
Metromile | $997 |
Progressive | $1428 |
Company | Annual car insurance rate |
---|---|
Allstate | $1481 |
American Family | $1241 |
Farmers | $1075 |
Metromile | $1001 |
Progressive | $1265 |
Company | Annual car insurance rate |
---|---|
Allstate | $1584 |
American Family | $1379 |
Farmers | $1249 |
Metromile | $1046 |
Progressive | $1329 |
Company | Annual car insurance rate |
---|---|
Allstate | $1343 |
American Family | $1352 |
Farmers | $1024 |
Metromile | $1033 |
Progressive | $1263 |
In order to legally drive in Idaho, you’ll need liability insurance that at least includes:
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.
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.
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
Compare car insurance companies near you.
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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.
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