Car Insurance in Idaho

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TABLE OF CONTENTS
  • How Much is Car Insurance in Idaho?
  • Real Quotes for Jerry.ai Customers in Idaho
  • The Cheapest Car Insurance in Idaho
  • Most Popular Insurance Companies in Idaho
  • Cost to Insure Different Cars in Idaho
  • Car Insurance Laws in Idaho
  • Car Registration Information in Idaho

Looking for car insurance in Idaho? Here you’ll find all the information you need on driving a car in The Gem State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Boise or Nampa, Meridian or Idaho Falls — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Idaho car insurance.

How Much is Car Insurance in Idaho?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Idaho, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Idaho pay $1,620.11 each year for car insurance. This means drivers in Idaho pay 45% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.

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What’s Your Rate?

But how do you know what policy is right for you in Idaho? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Idaho, but also on your credit score, marital status, the kind of car you own, and much more.

Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.

The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in Idaho

CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-01-24
  • Toyota Highlander Se
  • Toyota 4runner Sr5/sr5 Premium
37 year old femaleTravelers$74.67$117.88Standard
2021-01-11
  • Chevrolet S Truck S10
  • Buick Century Limited
28 year old maleSafeco$53.68$42.82Preferred
2021-02-18
  • GMC Terrain Sle
  • Jeep Cherokee Latitude Plus
41 year old maleKemper$96.25$33.75Preferred
2020-12-10
  • Toyota Tundra
  • Pontiac Firebird
38 year old femaleProgressive$185.83$203.17Preferred
2021-01-24
  • Ford Fusion Se
22 year old femaleProgressive$71.50$115.50Basic

The Cheapest Car Insurance in Idaho

Which companies offer cheap car insurance in Idaho? Below, we’ve ranked Idaho car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.

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Cheapest Car Insurance in Idaho for Basic Coverage

There’s all kinds of auto insurance you can get in Idaho, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Idaho. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Idaho, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Idaho

Filters
RankCompany nameAvg. Annual Premium
1Nationwide$871.46
2Kemper$941.11
3Progressive$1,008.40

Real Jerry Quotes for Basic Coverage in Idaho

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-02-01
  • Ford Mustang
22 year old maleProgressive$55.33$174.67
2021-02-20
  • Chevrolet Trailblazer
21 year old maleProgressive$98.33$38.67
2021-01-01
  • Chrysler 200 Limited
  • Chevrolet Malibu
  • Hyundai Accent Se
  • Ford Focus Se
  • Volkswagen New Beetle Gls
  • Dodge Grand Caravan Se
62 year old maleProgressive$101.67$88.33
2020-12-27
  • Dodge Stratus Sxt
  • Ford F150 Supercrew
  • Ford Explorer Xlt
28 year old maleProgressive$51.33$41.67
2020-12-08
  • Chevrolet Malibu Ls
20 year old femaleProgressive$69.17$96.83

Average Cheapest Car Insurance for Standard Plans in Idaho

Most drivers will want more than the basic minimum coverage that Idaho requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.

Below you’ll find the average price drivers are paying for standard insurance coverage in Idaho, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Idaho

Filters
RankCompany nameAvg. Annual Premium
1Progressive$1,172.43
2Nationwide$1,230.96
3Safeco$1,300.59
4Kemper$1,301.69
5The General$1,334.36
6Travelers$1,507

Real Jerry Quotes for Standard Coverage in Idaho

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-02-25
  • Toyota Yaris iA
22 year old maleProgressive$131.50$329.50
2020-12-09
  • Ford Escape Sel
23 year old femaleProgressive$70.33$56.67
2020-12-12
  • Nissan Rogue Select
58 year old femaleProgressive$71.50$26.50
2021-01-17
  • Dodge Stratus Se
57 year old maleProgressive$57.33$98.67
2020-12-27
  • Chevrolet Silverado K2500 Heavy Duty
22 year old maleProgressive$62.83$37.17

Cheapest Car Insurance in Idaho for Preferred Coverage

Preferred coverage protects Idaho drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.

We were able to look at the average price drivers are paying for preferred insurance coverage in Idaho, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Idaho

Filters
RankCompany nameAvg. Annual Premium
1Kemper$1,193
2The General$1,271.54
3Progressive$1,289.20
4Nationwide$1,342.21
5Safeco$1,371.15
6Travelers$1,626.85

Real Jerry Quotes for Preferred Coverage in Idaho

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-11-30
  • Nissan Altima S
  • Chevrolet Suburban K1500 Ls
40 year old maleTravelers$154.67$32.33
2021-01-12
  • Chevrolet K10
19 year old maleSafeco$89.27$90.73
2020-11-28
  • Kia Optima Lx
36 year old maleProgressive$81.33$23.67
2020-12-10
  • Dodge Dart Limited
36 year old maleNationwide$74.28$48.16
2021-02-14
  • Ford Mustang
  • Ford Fusion S
  • Mazda 5
44 year old femaleProgressive$229$121
Insurance companyAverage annual premium in Idaho
Progressive$1,710.29
Kemper$988
Travelers$2,537
Safeco$919.60
Aspire Advantage$1,015.52
Nationwide$1,361.98

Cost to Insure Different Cars in Idaho

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Idaho drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Idaho. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-01-04
  • Dodge Durango
31 year old maleThe General$70.50$62.50Standard
2020-12-21
  • Land Rover Range Rover Evoque Hse Dynamic
21 year old femaleTravelers$228.08$171.92Preferred
2020-11-26
  • Chevrolet Silverado K1500
21 year old maleProgressive$108$168Preferred
2020-12-29
  • Nissan Rogue Select
23 year old maleNationwide$69.82$16.18Preferred
2020-11-29
  • Kia Optima Lx
36 year old maleProgressive$67.33$37.67Standard
2020-11-27
  • Ford Escape Se
30 year old maleProgressive$51.67$44.33Standard
2021-01-24
  • BMW 328 Xi
19 year old maleKemper$106.50$143.50Basic

Car Insurance Laws in Idaho

Best known for its potatoes and gemstones, Idaho also has a population of about 1.7 million people, which means lots of cars on the road in certain parts of the state. In response to the more than 25,000 car accidents that happen in Idaho each year, the state government requires drivers to carry a minimum amount of insurance.

Car insurance helps pay for medical expenses and property damage as a result of motor vehicle accidents across Idaho. As an at-fault state, Idaho places the burden of paying car accident costs on the insurance company of the at-fault driver. Here’s what you should know about the minimum amount of insurance that drivers need to legally register a vehicle and drive in Idaho.

What Car Insurance Is Required in Idaho?

All individuals who drive a registered motor vehicle in Idaho must be properly insured. The types of liability insurance that drivers are required to get in Idaho include Bodily Injury Liability (BIL) and Property Damage Liability (PDL).

BIL coverage extends to the driver and passengers in the vehicle the at-fault driver hits. It pays for any medical bills associated with the accident, up to the maximum coverage amount. BIL can also pay for lost wages that come about from having to deal with an injury resulting from an accident.

PDL helps pay for any property damage caused by the at-fault driver and is limited by the maximum amount of insurance coverage that the at-fault driver has. In addition to the other vehicle involved in the crash, PDL also pays for damage to structures and objects, such as a sign or pole.

As an at-fault state, Idaho does not require or even offer Personal Injury Protection (PIP). Instead of PIP insurance, the state allows drivers to get MedPay if they choose to do so. Like the PIP coverage in a no-fault state, MedPay helps pay for any medical expenses arising from a car accident and is independent of fault.

Another type of auto insurance coverage that a driver might consider getting is uninsured motorist coverage. While not a requirement, uninsured motorist coverage will give a driver protection if the at-fault driver does not have insurance. A related type of insurance is underinsured motorist coverage, which will pay for any remaining medical expenses and property damage should the at-fault driver not have enough liability insurance to pay for everything.

Can You Drive a Car Without Insurance in Idaho?

It is illegal to drive in Idaho without the minimum amount of insurance coverage. In addition, drivers must keep proof of insurance on them while driving and present this proof if they have an accident or are pulled over by law enforcement. Failure to have the required minimum coverage amounts will result in a variety of fines and penalties.

For a first offense, drivers will have to pay a $75 fine, have their license suspended until they can provide proof of insurance, and have to file for an SR-22 certificate, which places them in a high-risk category and raises their insurance premiums. They must keep the SR-22 certificate for one year.

For a second and subsequent offense, drivers must pay up to a $1,000 fine, lose their license, and must keep an SR-22 certificate on file for three years. Drivers in violation of liability insurance laws also face up to six months in jail. In all cases, drivers must also pay an administrative and reinstatement fee, which adds to their costs.

In addition, drivers who cause an accident without having insurance are still responsible for paying the medical expenses related to injuries suffered in an accident, as well as for any property damage.

What Are the Minimum Car Insurance Requirements in Idaho?

Before driving a vehicle in Idaho, drivers need to make sure they have the required amount of insurance. This minimum liability insurance requirement is done to protect drivers in an accident and help them recoup the costs for any bodily injury or property damage for an accident that was through no fault of their own.

Minimum Insurance Requirements in Idaho

  • Bodily injury/per person/per accident: $25,000
  • Bodily injury/per accident: $50,000
  • Property damage liability: $15,000

Car Registration Information in Idaho

Before driving a vehicle in Idaho, you must first register the vehicle. When buying a vehicle, you have 30 days to register it. You also have 30 days to register your vehicle in Idaho upon moving to the state. If you live out of state but plan on living in Idaho for at least 90 days continually, you must register your vehicle in the state.

When you register a vehicle in Idaho, you will receive two license plates, one for the front and one for the rear. The rear license plate also has a decal that has the month and year that the plates need to be renewed by. Each time you renew your registration annually, you will receive a new decal for the next year.

When registering a vehicle or renewing a vehicle’s registration, you can do so in person or online. You can also check the Idaho Transportation Department website for the status of your registration renewal.

The initial registration fee and the renewal fee for registering a vehicle in Idaho is based on the age of the vehicle, as well as the vehicle type, and any county fees. The basic registration fee depending on vehicle age is as follows:

  • 1–2 years old: $69
  • 3–6 years old: $57
  • 7 years or older: $45

To register a vehicle in Idaho, drivers need the following documentation and information:

  • Idaho driver’s license
  • Vehicle registration; if registering a vehicle from another state, also contains the Vehicle Identification Number (VIN)
  • Proof of car insurance (must sign a statement certifying that the vehicle is insured at time of registration)
  • Current license plate (if replacing it)
  • Certificate of title (if you own the vehicle)
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