Idaho Car Insurance Rates
Average insurance prices in Idaho for 2019 are $952 a year for full coverage. Comprehensive, collision insurance, and liability cost approximately $212, $388, and $246, 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: $952
Policy rates by individual coverage type:
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 $292 for basic liability insurance to a high of $2,056 for a high-risk driver policy.
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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Recommended Companies for Cheap Idaho Insurance
Chart shows Idaho auto insurance prices for various coverage choices and risks. The cheapest discount price is $545. Insureds who use higher $1,000 deductibles will pay $814. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $952. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $1,216. Drivers considered high risk could be charged at least $2,056. The cost for full coverage insurance for a teenager can be as high as $3,504.
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 $1,600 extra each year, depending on your age. A high-risk auto insurance policy can be from 46% to 129% 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 $3,500 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.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $410 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 $222 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.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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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.
|Rank||Company||Market Share||Average Rate|
|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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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$72|
|5-yr Claim Free||$61|
|Paid in Full/EFT||$45|
Discounts are estimated and may not be available from every company or in every state.