Car Insurance in Idaho

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With miles of open spaces and a relatively low population density, Idaho residents have car insurance rates well below the national average. That said, drivers can save even more money by shopping for quotes with Jerry.
Idaho is known for its beautiful landscapes—and its potatoes—and though the cities are growing, Idaho’s population is smaller than many nearby states. Idaho does, however, see natural disasters, especially with the rise of wildfires in recent years. All of these factors contribute to Idaho’s car insurance rates.
However, location is just one aspect providers consider when determining car insurance premiums. Other considerations include your age, driving history, and other factors.
To make the process of finding car insurance a breeze, shop with Jerry! Jerry is a car super app that will help you find the cheapest car insurance prices. Sign-up takes less than a minute, and Jerry will show you quotes from over 50 top insurance providers. Most Jerry users save $879 per year on car insurance.
Need more proof? Here are some real quotes and savings from customers in Idaho who switched with Jerry:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
August 9, 2021Pontiac G6 GxpPost Falls41Allstate$100/mo.$65/mo.
February 8, 2021Ford ExplorerPocatello22Kemper$315/mo.$76/mo.
March 2, 2021Ford Edge LimitedCoeur D Alene36Nationwide$123/mo.$79/mo.
March 27, 2021Dodge DakotaBoise20Progressive$167/mo.$88/mo.
May 11, 2021Chevrolet Silverado C1500 LTIdaho Falls26Allstate$192/mo.$114/mo.
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How much does car insurance cost in Idaho?

The average cost of liability-only car insurance in Idaho is $1,562 per year. If you prefer to buy full coverage car insurance in Idaho, you can expect to pay an average cost of $1,691 per year.

How does the cost of car insurance in Idaho compare to the rest of the country?

Compared to nationwide averages, it costs $1,764 per year for liability-only car insurance and $2,486 per year for full-coverage car insurance.
What contributes to Idaho’s car insurance prices? Here are some things to consider:
  • Growing cities: While Idaho isn’t as populous as neighboring states, the state is seeing more people moving to its cities—which will drive up insurance rates
  • Auto theft: Idaho’s property crime rates have been gradually dropping, which could lead to lower premiums
  • Natural Disasters: Idaho is prone to extreme storms and wildfires, which could cause automobile damage
Here’s how Idaho insurance premiums stack up to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
ID$1,970$1,311$1,320$1,080$1,959$1,351
National Average$2,491$1,672$2,359$1,390$2,763$1,962
IDNational Average
All Coverage Before Jerry
$1,970$2,491
All Coverage After Jerry
$1,311$1,672
Minimum Coverage Before Jerry
$1,320$2,359
Minimum Coverage After Jerry
$1,080$1,390
Full Coverage Before Jerry
$1,959$2,763
Full Coverage After Jerry
$1,351$1,962
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Top auto insurance providers in Idaho

Idaho residents have quite a few insurance providers from which to choose when looking for car insurance. Popular providers include Geico, State Farm, and Travelers because of their accessibility, customer service, and general affordability.
That said, you might find another provider that better meets your needs.
Each insurer determines its own rates by using a unique formula, so it’s possible to get very different quotes from each provider—even for the exact same coverage. Providers in Idaho will look at your age, credit score, location, and other factors before giving you a quote.
The car you drive also impacts your rates. A popular sedan like the Honda Civic will be relatively cheap to insure because of its affordability and easy-to-access replacement parts. However, a more expensive car like a Chevrolet Tahoe will cost more to insure simply because of its higher initial cost.
Jerry finds Idaho drivers the best rates on car insurance—no matter their background. Here are some of the best savings for our customers:
Insurance Company
Average Cost
Annual Savings with Jerry
Kemper$3,164$2,143Compare Prices
Travelers$2,409$978Compare Prices
Allstate$2,373$948Compare Prices
Dairyland$2,812$942Compare Prices
Nationwide$2,400$940Compare Prices
Safeco$2,761$857Compare Prices
National General$2,136$489Compare Prices
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What car insurance do you need in Idaho?

Idaho requires that drivers carry minimum liability insurance before they get on the road. This coverage includes the following:
CoverageAmountDescription
Bodily injury liability$25,000 per person / $50,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$15,000 per accidentCovers the costs associated with the damage you cause to other people’s vehicles or property
Uninsured motorist coverage$25,000 per person/ $50,000 per accidentCovers your costs if you are in an accident with an uninsured driver.
You could face penalties if you are caught driving without insurance, including:
  • $75 fine for a first offense and a $56 administrative fee
  • SR-22 Maintenance for 1 year
  • Drivers license suspension until proof of insurance
It’s important to remember that liability insurance covers other drivers if you’re at fault in an accident, it doesn’t cover you or your vehicle. If it’s in your budget, you should carry more than the required minimums. Idaho drivers may benefit by carrying the following insurance:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Roadside assistanceCovers the costs associated with a breakdown
Jerry can get you the best rates regardless of the policy you need.
It takes 45 seconds to sign up, and Jerry uses your current insurance information to source quotes from the top name-brand insurance companies. Then Jerry will help you complete all of the paperwork to save time and money. Jerry will even provide you with quotes each time your policy is up for renewal—so you know you’re always getting the best rates.
Now that we’ve covered insurance basics, here’s what to consider about insurance in Idaho.

How is your cost of car insurance determined in Idaho?

Carriers in Idaho take a variety of factors into account when setting your prices, including your age, driving history, and specific zip code.
What young drivers in Idaho need to know
  • Drivers under the age of 25 are considered high-risk drivers because of their lack of experience and generally high accident rates
  • Younger drivers can take a defensive driving course to earn a discount on their premiums
  • Maintaining a B average or higher may allow drivers to qualify for a good student discount
Young drivers can keep rates down by shopping around and maintaining a clean driving record.
Jerry will help young drivers save money by comparing quotes from top providers. Here are the average rates for drivers in Idaho by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,460$867
21-24$2,695$1,002
25-34$2,236$792
35-44$2,493$1,061
45-54$1,707$708
55-64$1,741$878
65+$1,560$516
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Cost to insure your car in Idaho with a poor driving record

Your driving history will also impact your insurance rates. If you’ve been in an accident, gotten a speeding ticket, or had a DUI or other major driving offense, you will pay more for your Idaho car insurance rates.
Drivers with previous infractions are considered high-risk and will, therefore, have higher insurance premiums.
Even still, Jerry helps drivers with past offenses.
These are some of the best prices drivers with less-than-perfect driving histories have received after shopping with Jerry:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,440$947
DUI$4,596$3,114
Illegal Turn$4,380$2,940
Driving on Sus. License$3,173$1,245
Improper Passing$2,654$1,245
Failure to Obey Traffic Sign$2,766$1,195
Careless Driving$1,884$1,008
Speeding under 15$2,642$797
Other$2,434$698
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Cost to insure your car in Idaho based on where you live

While Idaho’s car insurance rates are generally lower than the national average, your rates could be higher depending on where you live.
Residents in the commuter city of Idaho Falls have some of the more expensive car insurance premiums because of the number of vehicles that pass through on its freeways every day.
On the other hand, the capital city of Boise has surprisingly lower rates than the rest of the state thanks to its relatively safe drivers and low crime rate.
These are the cheapest rates we’ve found for Jerry customers who live in Idaho:
City
Average Cost
Annual Savings with Jerry
Boise$2,445$1,010
Coeur D Alene$1,486$559
Coeur D'Alene$1,840$611
Idaho Falls$2,625$724
Kuna$3,256$1,686
Lewiston$2,435$823
Meridian$2,208$762
Nampa$2,273$746
Pocatello$2,019$920
Twin Falls$2,994$1,150
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Cost to insure your car in Idaho based on the type of car you drive

One of the most impactful factors in determining your car insurance costs is the type of car you drive. For the most part, more expensive cars will have higher monthly car insurance premiums.
For example, the Nissan Rogue—a common car among Idaho drivers—will be cheaper to insure because of its lower starting price. Additionally, Nissans are popular cars, so parts are relatively affordable and repair costs tend to be low.
On the other hand, cars like the BMW 320 I will cost more to insure because their parts are more expensive—and they would cost the insurance company more to replace it if the car was totaled.
These are common insurance quotes for some of the most popular cars in Idaho with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Honda Accord EXL$3,376$1,645
Ford Escape Limited$3,044$1,547
Kia Optima LX$2,403$867
Dodge Ram 1500$2,187$735
Mitsubishi Lancer Gts$1,068$670
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How to save money on car insurance in Idaho

Even though Idaho insurance rates tend to be on the cheaper side, you can find ways to save even more money.

Shop around for quotes

Comparing quotes from different providers is perhaps the easiest way to save the most money on car insurance.
However, this can be incredibly tedious—especially if you have to apply for quotes from each company individually. Fortunately, Jerry will do all of that for you!
Jerry is the super app that helps you save time and money on your car expenses, including insurance. After a quick sign-up, Jerry will find you quotes from over 50 top insurance providers. If you find a policy you like, Jerry will take care of the rest—including filling out that pesky paperwork. Most Jerry users save $879 on car insurance.
Jerry doesn’t stop there. When your policy is up for renewal, Jerry will send you new quotes—so you always know you’re getting the best rates.

Look for discounts

Applying for discounts is one of the best ways to save on your car insurance policy. Most providers offer discounts—even if they aren’t readily advertised.
Here are some popular discounts in Idaho:
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You may also be eligible for discounts if you’re a homeowner, are married, or you belong to a specific association—like the military.

Increase your deductible

Another way to save on your monthly premium is by increasing your deductible, or the amount you pay out of pocket if you were to make a claim.
Increasing your deductible would mean that you pay less each month, but you may be on the hook for more if you do need to make a claim. Make sure you can cover the cost of the full deductible every time you need to make a claim.

Registering your car in Idaho

If you want to register a car in Illinois, you need to have the following paperwork:
  • A driver’s license or ID card
  • A car title or signed lease agreement
  • A VIN inspection certificate
  • A current odometer reading
  • Proof of insurance
  • Pay $14 and 6% sales tax
To avoid long waits, it’s a good idea to make an appointment with the DMV before going to register your car. You’ll also need to complete additional paperwork with personal and vehicle information.
Drivers in Idaho are required to renew their vehicle registration every year.

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