Idaho car insurance calculator

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As a motorist in Idaho, understanding the significance of securing car insurance that complies with the state’s minimum requirements is crucial. Yet, discovering the optimal coverage that aligns with your budget can be a challenging endeavor. This is where our Idaho car insurance calculator proves invaluable.

Utilize our auto insurance calculator to approximate your annual and monthly car insurance expenses in Idaho, taking into account your vehicle’s make and model. This empowers you to make well-informed decisions about your coverage.

Idaho car insurance calculator

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*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.

How much is vehicle model important in calculating car insurance in Idaho

Car insurance rates in Idaho can be significantly influenced by the make and model of your vehicle. Insurers take into account a range of factors, including the specific make and model of your car, when calculating premiums.

Let’s take a look at the costs. If you have a 2022 Acura ILX 2.4L, you might pay $1,180 each year for full coverage. On the other hand, if you have a Toyota 4Runner Limited in Idaho, the yearly insurance might be $1,312. So, it’s $132 more compared to the Acura ILX 2.4L.

How insurers calculate car insurance in Idaho using car model year

In Idaho and lots of other places, how old your car is can change how much you pay for insurance. For example, if you have a 2021 Chevrolet Blazer 2LT, you might pay about $1,061 a year for insurance. But if it’s a 2022 Chevrolet Blazer 2LT, the yearly insurance rate could be $1,231.

Does the cost of car insurance in Idaho decrease as a vehicle gets older?

Usually, in Idaho, car insurance becomes cheaper for older car models. As a car gets older, its value goes down because of depreciation. Because car insurance is meant to cover the repair or replacement costs, the insurance company’s responsibility decreases with an older vehicle. This leads to lower car insurance premiums in Idaho.

People driving a 2020 Honda Accord LX in Idaho usually pay $91 per month for full coverage car insurance. On the other hand, car insurance for the 2022 Honda Accord LX costs $98 each month in Idaho, which is $7 more than the 2020 model.

Older vehicles might not be as tempting to thieves as newer ones with fancy security features. The lower risk of theft can also mean lower insurance costs.

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Auto 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 city

Car insurance cost estimate in Idaho

The average premium for car insurance in Idaho is $1,121 per year or $93 per month, though your specific premium may vary based on the coverage level you choose. Here is an estimate of car insurance costs in Idaho for different coverage levels.

50/100/50 Liability Only	Full Coverage	Non-Owner State Minimum Liability Only	State Minimum Liability Only
$386	$1,121	$190	$326

The bottom line: Idaho car insurance calculator

The car insurance calculator for Idaho calculates your rates using details like where you live and the year, make, and model of your vehicle. Simply input your information, and the calculator will give you estimated quotes. Keep in mind that rates can differ, so it’s a good idea to get quotes from different insurers to find the best deal that suits your needs.