Car Insurance in Idaho
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Introduction: Car Insurance in Idaho
Idaho has over 1.2 million licensed drivers, making car insurance a vital part of driving in the state. Whether you’re commuting through Boise’s city streets, exploring Idaho Falls, or traveling along rural highways, car insurance in Idaho ensures legal compliance and financial security.
Idaho has some of the lowest car insurance rates in the U.S. According to the National Association of Insurance Commissioners (NAIC), the average annual cost of full coverage in Idaho is $1,065, which is well below the national average of $1,674.
Idaho Car Insurance Requirements (State Laws & Minimum Coverage)
Minimum Liability Coverage (25/50/15 Rule)
According to the Idaho Department of Insurance (DOI), drivers must carry at least:
✔ $25,000 for bodily injury per person
✔ $50,000 for bodily injury per accident
✔ $15,000 for property damage per accident
✔ Uninsured/Underinsured Motorist (UM/UIM) Coverage: Required at the same minimums as liability coverage
Why Minimum Coverage May Not Be Enough:
- Medical costs after an accident can exceed $25,000 quickly.
- Vehicle repairs often cost more than $15,000, especially for newer models.
- Idaho requires UM/UIM coverage, which helps protect against uninsured drivers.
Recommended Full Coverage for Better Protection
Many Idaho drivers opt for full coverage, which includes:
| Coverage Type | What It Covers | Recommended For |
|---|---|---|
| Collision Coverage | Pays for damage to your car in an accident | Drivers with new or financed vehicles |
| Comprehensive Coverage | Covers theft, vandalism, and weather damage | Essential due to Idaho’s severe weather conditions |
| Uninsured/Underinsured Motorist (UM/UIM) | Covers injuries from uninsured drivers | Crucial since some Idaho drivers lack insurance |
| Medical Payments Coverage (MedPay) | Covers medical expenses regardless of fault | Helpful for drivers without health insurance |
Average Cost of Car Insurance in Idaho
Car insurance rates in Idaho vary based on location, driving history, and vehicle type. Below is an average cost breakdown:
Idaho Car Insurance Cost by Coverage Type
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Liability | $473 |
| Full Coverage | $1,065 |
Car Insurance Costs by Major Idaho Cities
| City | Minimum Coverage | Full Coverage |
|---|---|---|
| Boise | $640 | $1,450 |
| Meridian | $620 | $1,400 |
| Nampa | $610 | $1,380 |
| Idaho Falls | $590 | $1,350 |
| Pocatello | $570 | $1,320 |
| Caldwell | $600 | $1,350 |
| Coeur d’Alene | $650 | $1,480 |
| Twin Falls | $580 | $1,340 |
| Lewiston | $590 | $1,360 |
| Rexburg | $560 | $1,310 |
Car Insurance Costs by Age Group
| Age Group | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-19 Years | $2,800 – $4,800 | $5,200 – $7,800 |
| 20-24 Years | $1,500 – $2,400 | $3,200 – $4,600 |
| 25-34 Years | $1,000 – $1,700 | $2,200 – $3,500 |
| 35-44 Years | $900 – $1,500 | $2,000 – $3,200 |
| 45-54 Years | $850 – $1,400 | $1,900 – $3,000 |
| 55+ Years | $800 – $1,300 | $1,800 – $2,900 |
✔ Teen Drivers (16-19 Years): Pay the highest premiums due to inexperience and higher accident risks. Many insurers offer good student discounts to help lower costs.
✔ Young Adults (20-24 Years): Rates decrease as driving experience improves but remain higher than mid-age drivers.
✔ Mid-Age Drivers (25-49 Years): Experience the lowest insurance premiums due to lower accident risks and a longer driving history.
✔ Senior Drivers (70+ Years): Rates increase again as older drivers face higher accident risks due to slower reaction times and medical conditions.
Factors Affecting Car Insurance Rates in Idaho
Several factors influence car insurance rates in Idaho, including:
- Driving Record: Accidents, DUIs, and speeding tickets significantly impact premiums.
- Location: Urban areas like Boise and Meridian have higher rates due to congestion and theft.
- Credit Score: Idaho insurers use credit history when determining premiums.
- Annual Mileage: More miles driven increases accident risk.
- Vehicle Type: High-performance and luxury vehicles cost more to insure.
- Weather Conditions: Idaho’s snowstorms, wildfires, and flooding contribute to insurance claims.
- Coverage Level: Full coverage costs more but provides better financial protection.
Best Car Insurance Companies in Idaho (2025)
Finding the right insurer depends on affordability, coverage, and customer satisfaction. Here are some top options:
| Company | Best For | Average Annual Cost (Full Coverage) |
|---|---|---|
| GEICO | Cheapest Rates | $1,020 |
| State Farm | Best for Customer Service | $1,070 |
| Progressive | Best for High-Risk Drivers | $1,250 |
| Allstate | Best Full Coverage Options | $1,350 |
| USAA (Military Families) | Lowest Rates for Military | $990 |
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FAQs
Idaho law requires 25/50/15 liability coverage: $25,000 per person for injuries, $50,000 per accident, and $15,000 for property damage, plus Uninsured Motorist Coverage (UM/UIM).
The average minimum coverage costs around $39 per month, while full coverage averages $89 per month.
Smaller cities like Rexburg and Pocatello tend to have lower rates compared to Boise.
Yes, Idaho requires uninsured motorist coverage with minimum limits matching liability insurance.
Yes, but high-risk drivers may face higher premiums. Taking defensive driving courses and shopping around can help lower costs.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.