Idaho Car Insurance Rates

Average insurance prices in Idaho for 2018 are $928 a year for full coverage. Comprehensive, collision insurance, and liability cost approximately $206, $378, and $240, respectively. Moscow, Sandpoint, and Lewiston average the highest car insurance rates, and the two companies with the most written premium are State Farm and Farm Bureau.

Average rate for full coverage: $928

Policy rates by individual coverage type:

Comprehensive $206
Collision $378
Liability $240

40-year-old driver, full coverage with $500 deductibles, and good driving record

Average Price Range for Car Insurance in Idaho

Using a middle-aged driver as an example, Idaho insurance prices range from the cheapest price of $286 for basic liability insurance to a high of $2,010 for a high-risk driver policy.

Liability Only $286
Full Coverage $928
High Risk $2,010

These price ranges show why it is important to compare prices using their specific location and their own driving history, instead of depending on averaged prices.

Use the form below to get accurate rates for your location.

Enter your Idaho zip code below to view companies that have cheap auto insurance rates.

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Idaho car insurance rate comparison chart
Column chart showing Idaho car insurance prices range from $532 to $3,420 for full coverage

Chart shows Idaho auto insurance prices for various coverage choices and risks. The cheapest discount price is $532. Insureds who use higher $1,000 deductibles will pay $796. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $928. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $1,188. Drivers considered high risk could be charged at least $2,010. The cost for full coverage insurance for a teenager can be as high as $3,420.

Car insurance rates in Idaho are also quite variable based on deductibles and policy limits, your driver profile, and your vehicle choice.

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,100 to $1,500 extra each year, depending on your age. A high-risk auto insurance policy can be from 44% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher deductibles may pay as low as $900 a year for full coverage. Rates are much higher for teenage drivers, since even excellent drivers will be charged in the ballpark of $3,400 a year. View Rates by Age

The area you live in has a huge impact on auto insurance prices. Less congested rural areas might see rates around $700 a year, whereas some neighorhoods in Moscow and Sandpoint may see prices closer to $1,100. Even different neighborhoods close to each other in the same city can have significantly different rates.

These price discrepancies illustrate the need to quote rates for your specific Idaho zip code.

View Chart as Image

Idaho insurance rates by city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $400 annually, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $216 extra every 12 months. View Rates by Deductible or Liability Limit

The type of car, truck, or SUV you buy is a large factor when calculating the price you pay for car insurance in Idaho. Buying a cheaper and lower horsepower model will have a lower insurance cost due to cheaper repair costs and lower medical and liability claims.

The following table shows car insurance premium estimates for the most popular vehicles in Idaho.

Idaho Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$9805.3%
Dodge Ram$1,0087.9%
Ford Escape$776-19.6%
Ford Focus$898-3.3%
Ford Fusion$9865.9%
Ford F-150$872-6.4%
GMC Acadia$854-8.7%
GMC Sierra$9643.7%
Honda Accord$868-6.9%
Honda Civic$1,0168.7%
Honda CR-V$756-22.8%
Honda Pilot$882-5.2%
Hyundai Sonata$9421.5%
Kia Optima$9603.3%
Nissan Altima$9542.7%
Nissan Rogue$9340.6%
Toyota Camry$9461.9%
Toyota Corolla$926-0.2%
Toyota Prius$864-7.4%
Toyota RAV4$876-5.9%
Get Rates for Your Vehicle Quote Now

Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
View additional vehicles

Your auto insurance company has an impact on price. Each company has a slightly different rate calculation, and prices can change based upon different risk factors.

In Idaho, auto insurance prices range from $242 with American National to as much as $1,989 with Workmen's Auto. Other companies like Farm Bureau of ID Group, USAA, and Oregon Mutual fall somewhere in between. These are probably not the prices you would pay, as your Idaho zip code, the vehicle you are insuring, and your driving history have to be factored in.

Idaho Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm14.85%$816
2Farm Bureau10.53%$539
3Liberty Mutual9.83%$1,298
4Farmers Insurance9.82%N/A
5Geico9.70%$1,071
6Allstate9.43%$1,478
7Progressive8.60%$1,141
8USAA4.93%$541
9American Family2.81%$713
10Nationwide2.07%$919
Get Your Rates Quote Now

Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

Since rates can be so different, the only way to know which auto insurance is cheapest is to get quotes from multiple companies. Each insurance company calculates rates differently, so rate quotes may be quite different.

Idaho Auto Insurance Articles

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Rates by Driver Age

Idaho Insurance Rates by Driver Age
Driver AgePremium
16$3,420
20$2,144
30$974
40$928
50$850
60$834

Full coverage, $500 deductibles

Rates by Deductible

Idaho Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,188
$250$1,066
$500$928
$1,000$796

Full coverage, driver age 40

Rates by Liability Limit

Idaho Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$928
50/100$976
100/300$1,036
250/500$1,192
100 CSL$1,000
300 CSL$1,132
500 CSL$1,228

Full coverage, driver age 40

Rates for High Risk Drivers

Idaho Car Insurance Rates for High Risk Drivers
AgePremium
16$4,884
20$3,410
30$2,056
40$2,010
50$1,916
60$1,898

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $129

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$49
Multi-vehicle$48
Homeowner$13
5-yr Accident Free$70
5-yr Claim Free$60
Paid in Full/EFT$44
Advance Quote$46
Online Quote$66
Total Discounts$396
Rate after discounts $532

Discounts are estimated and may not be available from every company or in every state.

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