Popular QuestionsPopular Questions About Idaho Car Insurance

How much does Idaho car insurance cost? $877

Idaho drivers pay much less for car insurance than the average national driver. That doesn’t mean you don’t still have room for big savings. You can save on your monthly cost by working with an independent insurance agent to compare quotes and shop for the lowest rates.

The average American driver pays $1,318 each year for auto insurance. In Idaho, the average rate is just $877, making it one of the least expensive states in which to insure a car. Make sure you get the best deal by shopping rates from a variety of insurance companies.

idaho car insurance cost chart
What does Idaho car insurance actually do for me?

Car insurance protects you from large financial losses in the wake of an accident. Here is a look at some of the ways your insurance will help...

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.
  • Fix Someone Else's Car – Required/Min. $15,000. We officially call this "property damage liability."
  • Pay Your Medical Bills – Not Required. We officially call this "personal injury protection" or "PIP."
  • Pay Someone Else's Med Bills – Required/Min. $25,000 per person / $50,000 per accident. We officially call this "bodily injury liability."

All drivers in Idaho are required to have car insurance to pay for damage and medical bills if they cause an accident. Most states have similar laws in place to keep drivers with no way to pay for the damage from causing accidents. 

Who pays if the accident wasn't my fault?

The driver who caused the accident is responsible for covering the cost of damages.

How many Idaho drivers are uninsured: 8.2%

The problem is this: Sometimes people drive without any insurance. They get behind the wheel with no backup plan to cover the financial fallout if they cause an accident.

That's why "Uninsured Motorist Coverage" is so important. If you are hit by a driver that doesn't have insurance, this policy pays to fix your car and covers your medical bills.

A minimum of $25,000 in uninsured/underinsured motorists coverage is required in the state of Idaho.

Which are the best insurance companies in Idaho?

An independent insurance agent compares multiple companies to find the best policy for your needs.

travelers
austin mutual insurance company
safeco Insurance
mutal of enumclaw insurance


InformationFind the Best Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and the amount of time you spend driving your car will also factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost - $1318 / year
  • National average car thefts per 1,000 - 2.37
  • National average time spent commuting - 25.4 min


CityCommute TimeTheft Rate per 1,000 VehiclesAnnual Cost of InsuranceMonthly Cost of Insurance
Boise17.30.89$825$69
Nampa19.02.84$898$75
Meridian22.50.34$846$70
Idaho Falls16.51.69$919$77
Pocatello15.31.90$898$75
Caldwell22.61.94$950$79
Cour d'Alene17.81.77$714$60
Twin Falls16.61.27$993$83
Lewiston14.12.85$908$76
Post Falls20.31.98$898$75
Rexburg12.10.21$771$64
Moscow13.20.36$945$79

Boise, ID Car Insurance

The average monthly cost of car insurance in Boise is $69. Depending on a variety of factors such as the age, make, and model of your car; your age and gender; and your driving record, your actual premium might be higher or lower than the average.

To put it simply, long commutes lead to a higher risk for auto accidents. Boise drivers spend less time driving to and from work than the average U.S. driver, and this helps to keep insurance cost low for most of this city’s residents. 

When you live in a relatively safe city, insurance rates tend to be lower. Fortunately, crimes like car theft are very rare in Boise, and this helps keep insurance rates affordable for local drivers.

Nampa, ID Car Insurance

The average monthly cost of auto insurance in Nampa is $75. Your quoted rate might be higher or lower than the average. It all depends on several factors such as what kind of car you drive, your age and gender, and whether or not you have had a moving violation or accident in recent years.

The more time you spend on busy, congested roadways, the more likely you are to be in an accident. In Nampa, commute times are lower than the national average, which reduces your odds of an accident while driving to work. This helps keep insurance prices affordable in this city.

Car theft is a serious problem, and every vehicle owner has to consider the risks. Nampa drivers face higher-than-average auto theft rates, which could cause a slight increase in your car insurance rate when you add comprehensive coverage.

Meridian, ID Car Insurance

The average monthly cost of auto insurance in Meridian is $70. Your personalized premium will be based on several considerations. Your age, your gender and the kind of car you drive are examples of factors that can influence how much you pay for auto insurance in Meridian. You can therefore expect your actual costs to vary somewhat from the city’s average.

The more time you spend on Idaho's busy roads, the higher your risk will be for car accidents. Meridian drivers spend less time commuting than the national average driver, which helps keep rates relatively low for many of this city’s residents.

The auto theft risk is low in Meridian, but that doesn’t mean you should skimp on comprehensive coverage. This optional insurance can also provide compensation if your car is lost or damaged due to variety of non-collision causes such as fires, floods, and falling objects.

Idaho Falls, ID Car Insurance

The average monthly cost of auto insurance in Idaho Falls is $77. Your actual monthly cost might be slightly higher or lower, depending on a multitude of factors including such things as your age, gender and driving record and information about the vehicle (or vehicles) you are insuring. Because of this, rates can vary greatly from one driver to the next.

The more miles you log on your daily commute, the higher your risk will be for car accidents. This is because busy, congested roadways are a hotbed for fender-benders. Idaho Falls drivers spend less time on the road than most, and this helps keep insurance rates affordable in this city.

Property crimes such as auto theft are not common in Idaho Falls. However, including comprehensive coverage to your policy is still often a good idea. In addition to covering against theft and vandalism, this “other than collision” coverage can provide compensation if your car is damaged in an event such as a fire, flood, or earthquake.

Pocatello, ID Car Insurance

The average monthly cost of auto insurance in Pocatello is $75. Depending on a variety of factors such as your age, your driving record and vehicle details, your monthly cost might be significantly higher or lower than the average. Each insurance company has its own proprietary way of calculating rates, so it pays to compare quotes before making a purchase.

The more time you spend driving on busy roadways, the higher your risk will be for car accidents. In Pocatello, residents have shorter commutes than the average U.S. driver, and this helps keep rates low on auto insurance for many who live here.

It is highly unlikely that your vehicle will be stolen in Pocatello. Nevertheless, comprehensive coverage is an optional coverage you may want to consider. In addition to protection against property crimes, it also covers against other non-collision damages such as may be sustained in a fire or flood or because of falling objects and other unforeseen risks.

Caldwell, ID Car Insurance

The average monthly cost of auto insurance in Caldwell is $79. Every auto insurance policy holder will pay a personalized premium, based on factors like the age, gender, driving record of anyone on the policy, and the age, make, and model of the vehicle, or vehicles, being insured. Depending on your personal details, your actual cost could therefore be higher or lower than the average.

The more hours you log on your daily commute, the higher your odds will be for a car accident. Caldwell drivers spend slightly less time on daily commutes than the national driver, which may help bring down rates on insurance.

Drivers in high crime areas face an elevated risk for car theft and vandalism. In Caldwell, the risk of property crimes is relatively low. However, you may still want to discuss the benefits of comprehensive coverage with your independent insurance agent. This optional coverage can provide compensation for loss or damage caused by a variety of non-collision events.

Coeur d'Alene, ID Car Insurance

The average monthly cost of auto insurance in Coeur d’Alene is $60. Your quoted monthly rate will be based on many considerations such as your age and gender, your driving record, and the kind of car you are insuring. You could therefore end up paying more or less than the average, depending on these variables.

If you spend a lot of time on busy roads, you face a higher risk of being involved in a motor vehicle collision. Sometimes even a simple fender-bender can lead to expensive repair costs. In Coeur d'Alene, residents have shorter commutes than in most places, and this helps keep car insurance costs low in this city.

If your vehicle is stolen or vandalized, you are not covered unless your policy includes comprehensive coverage. This optional insurance is designed to provide compensation for a variety of non-collision events including property crimes, falling object, floods, and fires.

Twin Falls, ID Car Insurance

The average monthly cost of auto insurance in Twin Falls is $83. Of course, it is important to keep in mind that rates can vary significantly from one driver to the next. That is because they are calculated individually according to a variety of factors such as details about the vehicle, or vehicles, being insured, and information about the drivers who will be operating them. 

Longer commutes frequently lead to higher risks for car accidents. Twin Falls drivers have much shorter commutes than the average national driver, and this helps keep car insurance rates affordable for many of this city’s drivers.

Although the risk of auto theft is relatively low in this city, you may still want to consider the benefits of adding comprehensive coverage to your policy. This optional coverage can provide you with compensation for loss or damage caused by such non-collision events as property crimes, falling objects, earthquakes, fires, and floods. Talk to an independent insurance agent to learn more.

Lewiston, ID Car Insurance

The average monthly cost for auto insurance in Lewiston is $76. Depending on details such as the type of car you drive, your age, and your driving record, your rate might be higher or lower than this average. That is because insurance companies take a variety of factors into consideration when determining risks and assessing rates. Comparison shopping enables you to be sure you are getting your coverage at a competitive rate.

Lewiston commuters spend less time on the road than most. That's good news because less time traveling to and from work means you have a lower risk of being in a car accident. This is just one of the many factors helps keep rates affordable for most of this city’s residents. 

The auto theft rate in Lewiston is higher than the national average. What you might not realize is that your auto insurance carrier will not compensate you for loss or damage caused by property crimes unless your policy includes comprehensive (or “other than collision”) coverage. This optional insurance can also cover against other hazards such as falling trees, fires, floods, and other non-collision damages.

Post Falls, ID Car Insurance

The average monthly cost of auto insurance in Post Falls is $75. Your personalized cost for auto insurance could be higher or lower. It all depends on a number of factors such as what kind of car you drive, your age, and your driving history. Each insurance provider has its own way of calculating rates, so it is to your advantage to compare quotes from multiple carriers before making a purchase.

Simply put, if you spend a lot of time on busy, congested roadways, you will have a higher risk of being involved in a collision. Post Falls drivers have shorter commutes than most, and this is one of the many factors that helps keep insurance rates affordable in this city.

While the risk of auto theft in Post Falls is lower than the national average, it is still something that much be considered by resident vehicle owners. Ensure that your vehicle is locked while you are away from it, park in well-lit areas, keep valuable hidden from view to limit your risk of property crimes. Also, be sure that your policy includes comprehensive coverage so that if your vehicle is stolen or vandalized, or it is damaged by another non-collision event, you can receive compensation for your losses.