Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Idaho Average car insurance cost in Idaho The average premium for car insurance in Idaho is $1,428 per year or $119 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's Editor | Updated on: April 7, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re looking for car insurance rates in Idaho, the average annual premium is $1,428, per year or $119 monthly. This contrasts with the national average of $1,895, highlighting a variation of $467. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Idaho, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes. Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget. Average annual cost $1,428 Average per month cost $119 Average cost for state minimum coverage $357 / Year Cheapest car insurance company Auto-Owners($916 / Year) Average cost for young drivers $2,310 / Year Average cost for Senior drivers $1,412 / Year Key TakeawaysThe average car insurance cost in Idaho is $1,428 per year, based on Insure.com’s analysis.In Idaho, the average premium for car insurance is $119 per month.Auto-Owners has the cheapest car insurance rates in Idaho, at an average annual rate of $916 a year.Average car insurance cost in Idaho per monthIn Idaho, the monthly rate for car insurance is $119.This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in Idaho, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.Cheapest car insurance companies in IdahoThe table below lists the other available car insurance companies which offer car insurance in Idaho, along with their average cost per month and average annual cost. Affordable car insurance providers in Idaho Graph Table Company nameAverage per month costAverage annual costAuto-Owners$76$916State Farm$93$1,120Geico$98$1,174Travelers$105$1,263Nationwide$125$1,505Farmers$134$1,606Idaho Farm Bureau$138$1,652Allstate$162$1,945Sentry Insurance$196$2,352USAA$62$742 Read our guide to cheap car insurance companies Idaho car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. Please select a different vehicle. Matching results for your car Filter Add more cars Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State Minimum Coverage Select Low to High High to Low OR Liability Coverage Select Low to High High to Low OR Full Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! No matches found for the selected filter options..!!! Year 2023 Cylinders 4 Make & Model Acura - Integra State Idaho Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $1,655/Year OR $138/month Idaho Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in IdahoThe extent of coverage you opt for directly influences the cost of car insurance in Idaho. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Idaho would be $440.As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Idaho amounts to $1,428.For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Idaho, the average annual cost for non-owner state minimum liability coverage stands at $187.For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $357 annually in Idaho.1State minimum:$3572Liability only:$4403Full coverage:$1,4284Non-owners:$187Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Idaho by cityBoise CityCaldwellIdaho FallsMeridianNampaAverage car insurance cost in Idaho by cityYour car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.The table below depicts the top popular cities in Idaho:CityAverage annual costBoise City$1,309Caldwell$1,417Coeur d’Alene$1,430Idaho Falls$1,455Meridian$1,306Nampa$1,400Pocatello$1,455Post Falls$1,415Rexburg$1,463Twin Falls$1,374Average car insurance cost in Idaho by age of the driverAge plays a significant role in determining auto insurance rates. Teenagers have a higher chance of being involved in a car accident compared to any other age group. In Idaho, the average annual rate for young drivers is $2,310, whereas for seniors, it is $1,412. The rate for young drivers exceeds that of senior drivers by $898.Statistics show that young drivers are more likely to be involved in vehicle accidents than more seasoned drivers. As a result, they are classified as high-risk individuals and are more expensive to insure. This classification is primarily due to tendencies such as speeding and limited on-road experience. However, premiums begin to increase again around the age of 70, as certain aspects of aging may impact driving capabilities.Average car insurance cost in Idaho for young driversIn Idaho, the auto insurance premium for female young drivers averages at $2,138 annually, or $178 monthly, while male young drivers face a yearly rate of $2,482, or a monthly average of $207. The average annual rates for young male and female drivers are listed in the table below: Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 20 $3,204 $2,693 21 $2,624 $2,231 22 $2,406 $2,088 23 $2,149 $1,884 24 $2,025 $1,792 Average car insurance cost in Idaho for senior driversIn Idaho, the annual car insurance cost for senior female drivers is $1,381 or $115 monthly. Similarly, male senior drivers face a yearly insurance cost of $1,442 per year, with a monthly average of $120. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $1,333 $1,292 70 $1,401 $1,337 75 $1,592 $1,516 Read more about senior car insuranceMinimum car insurance requirements in IdahoEvery state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Idaho Department of Insurance, the required coverages and minimum coverage limits in Idaho are as follows:Bodily injury per person: $25,000 Bodily injury per accident: $50,000 Personal property coverage per person: $15,000 Cheapest cars to insure in Idaho Insurance costs are lowest for Kia Seltos owners, with an annual premium of $1,276. Subaru Forester follows closely at $1,281 per year. The difference in the cost of insuring these two models is $5 annually.MakeModelAverage annual premiumKiaSeltos$1,276SubaruForester$1,281HondaCR-V$1,285MazdaCX-30$1,289ChevroletTrailBlazer$1,297HondaHR-V$1,298FordMaverick$1,302HyundaiVenue$1,302JeepWrangler$1,317VolkswagenTiguan$1,317Most expensive cars to insure in IdahoThe most expensive car to insure on the list is the Maserati Ghibli Trofeo, which has an average annual premium of $5,542. However, the difference between the cheapest and most expensive cars to insure is $4,266 annually.MakeModelAverage annual premiumMaseratiGhibli Trofeo$5,542MaseratiQuattroporte Trofeo$5,538MaseratiQuattroporte$5,483AudiR8 Performance$5,448MaseratiGhibli$4,748BMWM8$4,449BMWAlpina B8$4,384AudiR8$4,173Porsche911 Carrera GT3 RS$4,058AudiRS Q8$3,982MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Idaho Non-owner auto insurance in Idaho Average renters insurance cost in Idaho Average homeowners insurance cost in Idaho In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? How much used car insurance costs: Most and least expensive models to insure The best car insurance for people with bad credit in 2025 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Idaho per monthCheapest car insurance companies in IdahoAverage cost of car insurance by coverage levels in IdahoAverage car insurance cost in Idaho by cityAverage car insurance cost in Idaho by age of the driverMinimum car insurance requirements in IdahoCheapest cars to insure in IdahoMost expensive cars to insure in IdahoMethodology ZIP Code Please enter valid ZIP See rates