Although Idaho is increasingly urbanized, it is still considered a fairly rural state with less than six people per square mile. This makes it one of the top five most affordable states to buy car insurance.
But just because good car insurance deals are easy to come by in Idaho, doesn’t mean drivers should forget about comparing quotes.
The best way to get cheap car insurance is to compare quotes and carriers. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another, even within the same state.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Idaho. If you want to learn more about Idaho’s car insurance rates, then read on.
In Idaho, people are required to have the following minimum coverages:
$[25,000] bodily injury liability per person
$[50,000] bodily injury liability per accident
$[15,000] property damage liability per accident
Failing to meet the required minimums while driving in Idaho is illegal. If you get caught, you could be subject to license suspension, fines, and vehicle impoundment.
Remember, the minimum insurance coverage is a requirement, not a recommendation. It’s illegal to drive without the coverage described above!
Be aware that, in some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
First, let’s go over how much Jerry users pay for minimum liability car insurance in Idaho:
Additional coverages you might want to consider when shopping for car insurance in Idaho
Coverage to consider
Flash floods & landslides
Comprehensive insurance will cover physical damage to your car, including from a severe weather event like flash flooding or landslide.
Uninsured motorist protection helps cover any damages incurred as a result of an accident with a driver who doesn’t carry insurance.
Roadside assistance can be helpful if you’re driving on Idaho’s many mountain or back roads and require help. This coverage can provide towing services, locksmith services, tire changes, and battery boosts.
Idaho is generally an affordable place to drive, but it does present risks due to its high percentage of uninsured drivers and increasing cost of living
Best carriers for minimum coverage car insurance in Idaho
The “best” insurer for you is the one that provides all the coverage you need at the most affordable price. And that will depend on your driver profile, minimum coverage requirements, and any discounts that you may be eligible for.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Idaho:
While minimum coverage is enough to let you drive legally in Idaho, full coverage offers stronger protection and can provide peace of mind.
Cost to insure your car in Idaho by age
Insurers value driving experience. The younger you are, the less experience you have, which will likely be reflected in higher insurance premiums.
If you’re a young driver in Idaho, here’s what you need to know.
While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record. No matter your age—whether you live in rural Idaho or move to a city like Twin Falls or Pocatello—should start by quote shopping with Jerry.
The price you pay for car insurance is influenced by your age and your driving record. Safe drivers typically get lower rates, but it’s still possible to find affordable insurance in Idaho if you have a traffic violation on your record.
Cost of insurance for young drivers in Idaho with a bad driving record
Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
A minor offense on your record as a young person can significantly impact your car insurance rates for years to come. Some offenses stay on your record for many years—way past the time you’d be considered a ‘young driver.’
Fortunately, Jerry can help young Idaho drivers with prior incidents find the right coverage for the best price.
Young drivers are considered high risk by insurance companies. A moving violation increases this perception.
Types of discounts that might be available to you in Idaho
Never underestimate a good discount. If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Idaho. Here are some to keep an eye out for:
Customer loyalty (e.g. bundling, early renewal)
Demographic (e.g. good student, senior)
Driver affiliations (e.g. military, affinity)
Driving history (e.g. accident-free, safe driver)
Driver training (e.g. defensive driver course)
Equipment-related (e.g. anti-theft, new car)
Payment (e.g. auto-pay, paperless)
Who is eligible?
Paperless billing and automatic payments
Enroll in paperless billing and you could qualify for a discount between 2 and 25%.
Good student discounts
If you’re a young student enrolled in full-time education, you could get a huge discount on your car insurance premium. All you need to do is maintain a B-average and provide proof to the insurance company.
Safe driver discount
Have you been accident-free for several years? Idaho drivers with a good record can usually get a “safe driver” discount. If you’ve never had a crash or a speeding ticket, ask about this discount. You may have to wait six months to prove that you’re a safe driver.
Driver education discounts
Older Idaho drivers who refresh their driving knowledge can get a 5-10% discount on their premium. Ask your insurance company about approved courses. Usually, it’s as simple as taking an online course.
Bundling your policies
Get your car and home policies from the same company and you could enjoy a reduced premium.
Installing a steering wheel lock, car alarm, or other anti-theft feature might qualify you for additional discounts.
So, how do you know which discounts you can actually benefit from?
Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium—often, more than one!—but you may need to ask your insurance company which ones you qualify for.
How much does it cost to insure my car make in Idaho?
The most popular car in Idaho is the Ford F-Series pickup, a practical model for commuting during the week and adventuring on the weekend. It also makes Jerry’s list of the Top 10 Cheapest Trucks to Insure.
Generally, if you drive a relatively inexpensive car or truck, you can expect to pay lower insurance premiums. This is because it will cost less to repair or replace a common model than an expensive vehicle.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident. Usage-based car insurance policies reward these drivers with discounts.
Here’s what Idaho drivers can expect to pay to insure some popular car makes/models with and without Jerry:
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Idaho’s urban centers may offer exciting activities, but they’re also hotspots for traffic accidents. Distracted driving is a leading cause of fatal accidents in both rural and urban areas. The good news is that cheap minimum car insurance is pretty easy to find in Idaho, no matter where you live in the state.
Here are the cities in Idaho with the cheapest car insurance.
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.