Idaho Car Insurance Quotes & Average Rates
Full coverage car insurance in Idaho is estimated at $1,381 a year, or $115 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $428 a year. Idaho is an at-fault state, and drivers must carry 25/50/15 liability limits. Below you will find estimated rates for 17 Idaho cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Idaho
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Idaho
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,050 | $88 | -24% | Military members and families only |
| Geico | $1,132 | $94 | -18% | Usually cheapest for clean records |
| State Farm | $1,215 | $101 | -12% | Strong for young and student drivers |
| Progressive | $1,312 | $109 | -5% | Competitive after a ticket or accident |
| Travelers | $1,340 | $112 | -3% | Good multi-policy discounts |
| Nationwide | $1,381 | $115 | 0% | Mid-market, wide availability |
| Allstate | $1,574 | $131 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $1,671 | $139 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Idaho. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Idaho car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $3,729 | $1,157 | $311 |
| 18 years old | $3,145 | $976 | $262 |
| 20 years old | $2,604 | $808 | $217 |
| 22 years old | $2,163 | $671 | $180 |
| 25 years old | $1,651 | $512 | $138 |
| 30 years old | $1,423 | $442 | $119 |
| 40 years old | $1,338 | $415 | $111 |
| 50 years old | $1,281 | $398 | $107 |
| 60 years old | $1,267 | $393 | $106 |
| 65 years old | $1,324 | $411 | $110 |
| 70 years old | $1,452 | $451 | $121 |
| 75 years old | $1,694 | $526 | $141 |
Estimated premiums by age in Idaho, clean record, sedan.
How violations change your Idaho premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,381 | — |
| 1 speeding ticket | $1,698 | +23% |
| 1 at-fault accident | $2,029 | +47% |
| DUI / DWI | $2,609 | +89% |
What a violation costs a 35-year-old in Idaho. Surcharges normally stay on the policy for three to five years.
A DUI in Idaho usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Idaho minimum insurance requirements
| Required coverage in Idaho | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $15,000 |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Idaho Department of Insurance before you buy.
Coverage levels in Idaho
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $428 | $36 |
| Full coverage (100/300/100 + comp & collision) | $1,381 | $115 |
| Full coverage, high limits + low deductible | $1,643 | $137 |
Coverage level comparison for Idaho.
Car insurance rates in Idaho cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 17 Idaho cities we price.