How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Coeur d'Alene17.99.6$714
Idaho Falls17.91.1$919
Post Falls21.21.07$898
Twin Falls16.91.09$993

Idaho Car Insurance FAQ - Quick Answers

The average cost of Idaho car insurance is $877 annually, coming in at almost half the national figure of $1,311 per year. Even though the cost of Idaho's auto coverage is some of the lowest in the country, it still pays to have a trusted adviser shop the local markets for free.

In Idaho, car insurance can help cover numerous losses, and some of the most common coverages are as follows:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist

Idaho requires the following minimum liability limits in order to use the roadways:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $15,000 in property damage liability per person

In Idaho, uninsured motorist coverage can help pay for your damage or injuries resulting from an accident with an uninsured driver. You're not required to carry uninsured motorist protection in Idaho, but that doesn't mean it's not necessary. The state currently has 8.2% of its driving population roaming the streets without insurance, putting you at risk.

If you're shopping for car insurance, it's best to go with carriers that are reputable. In Idaho, Progressive, Nationwide, Travelers, and Main Street America insurance companies come highly rated. These markets are often used by the masses for their claims handling and excellent customer service.

In Idaho, the driver who caused the accident is responsible for covering the cost of damage. This comes in the form of limits that meet or exceed the state minimum liability coverages. For Idaho you must have $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $15,000 in property damage liability.

Do You Know What Your Idaho Car Insurance Covers?

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