Average Car Insurance Cost in Idaho (2024)

The average cost of full-coverage car insurance in Idaho is $135 per month, which is much cheaper than the national average cost of full-coverage insurance, at $211. It’s one of the cheapest states in the country for car insurance.

Car insurance rates in Idaho are cheaper than many other states partly due to its low population density — it ranks 44th in the country.^[1] And Idaho has one of the lowest estimated percentages of uninsured drivers, at 6.2%.^[2]

This article will help you navigate the ins and outs of Idaho car insurance — including how to compare quotes and coverage options from the cheapest companies — so you can find the best deal for your vehicle.

What’s the average cost of car insurance in Idaho?

The average cost of car insurance in Idaho is $69 for liability insurance and $135 for full-coverage insurance. Full coverage includes collision and comprehensive coverage. But the exact rate you pay for a policy may vary based on a variety of factors, like your driving record, age, location, and amount of coverage.

The table below highlights rates from some of the top car insurance companies in Idaho.

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Average Idaho car insurance rates by city

Car insurance rates can vary significantly, even within the same state. The factors that car insurance companies consider when setting premiums vary by city and ZIP code. The theft rates, crime rates, accident frequency, and population density where you live affect your average monthly premium.

Drivers in rural areas often pay less for coverage than Idaho residents living in more urban environments. For example, Boise drivers pay the highest liability rates in the state, on average. No matter where you live, it’s important to compare car insurance quotes, insurance products, and available discounts from multiple insurance companies before picking a policy.

You can see just how much car insurance rates vary in different cities below.

Average Idaho car insurance rates by age

Your age is a significant factor when it comes to car insurance rates. Young drivers — especially teenagers — almost always pay more for auto insurance than older drivers with experience, as insurance companies consider them riskier and more likely to file claims.

But once drivers reach their 70s, rates start to rise again due to aging-related risk factors that increase the likelihood of accidents.

The chart below showcases just how dramatically car insurance rates can vary with age. Drivers in their 50s and 60s earn the lowest average rates, based on Insurify rate data.

How gender affects car insurance rates in Idaho

Your gender can also affect your car insurance rates.^[4] Men typically pay higher rates than women since women get into fewer accidents and have fewer DUIs. Again, age also plays a role here — rates tend to drop as drivers get older, though teen drivers pay the most of any age group, regardless of gender.

The table below highlights how car insurance rates differ for men and women based on age.

How your driving record affects car insurance rates in Idaho

Your driving record will significantly affect how much you pay for auto insurance coverage in Idaho. In general, car insurance companies reward drivers with clean records and penalize drivers with blemished records, especially people with DUIs.

For example, an Idaho driver with a DUI pays a monthly average of $229 for a full-coverage car insurance policy, while a driver with a clean record pays an average of $135.

This also holds true for drivers with other driving infractions, though to a lesser extent. Car insurance companies see people with blemishes in their driving history as more likely to file claims than drivers with clean records, so insurers charge them higher rates to offset the risk.

Take a look at the average rates by driving record in Idaho below.

Average Idaho car insurance rates by marital status

Even your marital status can affect rates, as insurers consider married drivers to be less risky than unmarried drivers. While not a significant difference in rates, it’s still prevalent.

You can see how marital status affects car insurance rates in Idaho below.

Average Idaho car insurance rates by credit tier

Your credit history can even affect your car insurance rates in Idaho.^[5] Insurance companies factor your credit history into a credit-based insurance score when determining your rates.

Insurers can use this score to determine how likely you are to get into an accident and file a car insurance claim. Drivers with good credit history will almost always pay the lowest rates, while drivers with bad credit will face the highest rates.

Take a closer look at how credit history affects the cost of insurance for Idaho drivers.

Idaho car insurance FAQs