Average Cost of Car Insurance in Idaho for 2022 Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Powered by Coverage.com (NPN: 19966249) Advertiser Disclosure
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Average cost of car insurance in Idaho for 2022
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products. Amy Sims is a managing editor for Bankrate, leading a team responsible for creating educational insurance content. Updated Nov 09, 2022 Pay less for auto insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Next Compare quotes from reliable carriers + MORE how it works Caret Down Provide some info to get offers We only ask for info that can impact your rate so we can share accurate and personalized offers. Select your policy Compare and move forward with as many offers as you want from a list of trusted carriers. Settle your rate and policy details Once you've decided on a carrier, wrap up the process online or on the phone with a trusted agent. On This Page
Compare rates and save on auto insurance today! Get quotes Close X The average cost of car insurance in Idaho is $1,065 for full coverage and $271 for minimum coverage per year. These prices are far below the national averages, $1,771 for full coverage and $545 for minimum coverage per year. Many factors can affect your price for Idaho car insurance. Your age, driving record, claims history, insurance carrier, the city you live in and the coverage types you choose are just some factors determining your auto insurance cost in Idaho. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More How much does car insurance cost in Idaho
How much car insurance costs in Idaho can vary with so many factors that determine your premium. How old you and your household drivers are, claims and driving records, coverage types and limits, insurance companies and even the Idaho city you live in will factor into your . Although minimum coverage is cheaper than , it only provides the state minimum required coverage, which reduces your financial protection. Full coverage may be worth considering in many cases so that you have more coverage on the road. Knowing the criteria that insurance companies use and how they affect your premium can help you understand your personal pricing and how to get the best deal on the coverage you need. Idaho car insurance rates by company
Finding the with affordable rates may start with the insurance company. Each company has its own rate structure, which is why when you get several quotes with the same coverage, you typically get different prices. As you can see in the table below, the same coverage produces different average rates, so choosing the company carefully may land you a cheap price without sacrificing coverage. Insurance company Average annual minimum coverage premium Average annual full coverage premium Average annual minimum coverage premium $285 Average annual full coverage premium $1,880 Average annual minimum coverage premium $355 Average annual full coverage premium $1,029 Average annual minimum coverage premium $162 Average annual full coverage premium $663 Average annual minimum coverage premium $338 Average annual full coverage premium $1,099 Average annual minimum coverage premium $211 Average annual full coverage premium $884 Average annual minimum coverage premium $311 Average annual full coverage premium $942 Average annual minimum coverage premium $310 Average annual full coverage premium $951 Average annual minimum coverage premium $217 Average annual full coverage premium $811 Average annual minimum coverage premium $197 Average annual full coverage premium $713 Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Idaho car insurance rates by city
The Idaho city you live in can also affect your car insurance rates. Claims, crime rates and population density are a few factors insurance companies use to determine rates for each city and even ZIP codes within a city. Bankrate's research has found the cheapest Idaho cities for minimum coverage are Coeur d'Alene, Post Falls and Rexburg. In contrast, the cheapest full coverage rates may be found in Boise City and Meridian, based on the cities we reviewed. City Average annual minimum coverage premium Average annual full coverage premium Boise City $286 $977 Meridian $290 $978 Nampa $306 $1,058 Idaho Falls $283 $1,104 Caldwell $303 $1,077 Pocatello $271 $1,101 Coeur d’Alene $264 $1,085 Twin Falls $269 $1,060 Post Falls $264 $1,080 Rexburg $264 $1,097 Idaho car insurance rates by age
In most states, including Idaho, age greatly impacts car insurance rates. The tables below show rates for teens on their parent's policy, as most drivers under 18 don't qualify for an individual policy and typically stay on their parent's policy until they are financially independent and living on their own. Older drivers on their own policy can typically get cheaper rates because they have more experience behind the wheel and are at less risk of being in an accident. Average cost of car insurance for drivers on their parent s policy
Age Average annual minimum coverage premium Average annual full coverage premium $633 $2,323 $545 $2,044 $534 $1,877 $463 $1,707 $430 $1,617 Average cost of car insurance for drivers on their own policy
Age Average annual minimum coverage premium Average annual full coverage premium Age 18 $1,007 $3,485 $339 $1,347 $266 $1,154 $256 $1,100 $234 $968 Idaho car insurance rates by driving record
Being at fault in an accident or getting a speeding ticket are two ways your car insurance can sharply increase upon your policy's renewal. The worst incident, according to rates compared, is a driving under the influence (DUI) conviction. Idaho drivers with a DUI can see an average increase to their insurance premium of 65 percent, while an accident may only increase it by around 37 percent. Driving incident Average annual full coverage premium Percent increase of average annual premium Clean driving record $1,065 0 percent $1,255 18 percent $1,461 37 percent $1,756 65 percent How to save on car insurance in Idaho
There are a few ways you can potentially save on your car insurance. The following methods are fairly simple to qualify for and may bring your budget some relief. Research your vehicle before you buy: Some cars are cheaper to insure than others. Sportcars, 4x4s and higher-value vehicles are commonly among the most expensive to insure. Getting a before you buy can help you find the best car to fit your budget. Raise your deductibles: Raising your and deductibles from $500 to $1,000 will typically lower your premiums. Depending on the type of coverage you raise the deductible, the impact may be more or less significant; collision deductibles impact your premium more than comprehensive deductibles. However, before you go this route, remember that increasing your deductibles means paying more out of pocket in the event of a claim. Avoid accidents and claims: If you get a single speeding ticket, Idaho drivers' car insurance could go up about 18 percent, on average. The safer a driver you are, typically, the cheaper your car insurance will be in the long run. Take advantage of discounts: Car insurance companies offer discounts, such as good student, good driver and low mileage. Take advantage of as many as you can qualify for to help reduce your rates. Frequently asked questions
The in Idaho can look different for everyone, depending on what is most important to you in a carrier. You may want a company with the most robust financial strength history, one with local agents or maybe 24/7 mobile and online capabilities are most important. Once you determine your most important factors, you can find a company that best fits your requirements.
Bankrate found that the cheapest car insurance companies in Idaho for minimum and full coverage are Auto-Owners, Geico and USAA, on average. However, since there are many factors that determine pricing, it is best to get a quote with your personal and household details and coverage needs. You can then compare quotes to find the company with the cheapest rates for your vehicles, coverage types and limits. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state's requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowners and on their parent's or their own policy. Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction. Written by Mandy Sleight Insurance Contributor Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products. Amy Sims is a managing editor for Bankrate, leading a team responsible for creating educational insurance content.