Cheap Idaho Auto Insurance for 2024

Idaho auto insurance laws lay out strict Idaho auto insurance minimums at 25/50/15 for bodily injury and property damage coverage. The average Idaho auto insurance rates are $89 per month. To find cheap Idaho auto insurance, it's important to shop around and compare rates.

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Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...

Licensed Insurance Agent

UPDATED: Jul 1, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

What You Should Know

  • Idaho auto insurance requirements are 25/50/15 for bodily injury and property damage
  • The average car insurance cost in Idaho is $89 per month
  • Idaho follows a tort insurance system when it comes to car accidents and claims

While most people know Idaho for its potatoes, the “Gem State” has earned its nickname thanks to the multitude of precious gemstones that have been found in the state. Idaho auto insurance may be the less interesting part of living in the Gem State, but it’s a requirement.

Understanding auto insurance is key to getting a great deal on your Idaho insurance rates. Below you will find everything you need to know to buy cheap Idaho auto insurance with confidence.

If you want to compare Idaho car insurance rates right now, get started by entering your ZIP code above.

Idaho Auto Insurance Laws And Requirements

All drivers must meet Idaho minimum car insurance requirements to be on the road legally.

In Idaho, the state liability coverage minimums are:

  • Bodily Injury Liability Coverage – $25,000 per person
  • Bodily Injury Liability Coverage – $50,000 per accident
  • Property Damage Liability Coverage – $15,000 per accident

In addition to the minimum car insurance coverage in Idaho, there are other coverage options available. Optional coverage options in Idaho include:

As is the case with most other states, Idaho uses a tort auto insurance system. This means that when there’s an accident, one of the drivers will be labeled the at-fault driver for causing the accident, and that person (and their insurance) will be subject to lawsuits and claims. The system works well and is in use in most places in the country.

Idaho requires that drivers have a minimum amount of coverage in a couple of different areas before they are legally allowed to drive. It’s important to note that the coverage amounts we look at below are minimums and should be exceeded wherever possible and affordable.

Bodily injury liability insurance covers any medical treatment, rehabilitation, and lost wages claims from other parties due to injuries sustained in an accident where you are the at-fault party. For instance, if you were to hit another car and the other driver sustained an injury, your

Bodily injury liability insurance would pay out claims to that person to cover their medical costs. Remember that this type of coverage doesn’t cover anyone in your car – if you are injured in an accident that you cause, you will require a different type of insurance. The State of Idaho requires that drivers carry a minimum coverage amount of $25,000 per party per accident and a total of $50,000 for all parties in a single accident.

Property damage liability insurance is the other mandated insurance in Idaho. This policy will cover the repair or replacement costs of the property (like vehicles, fences, bicycles, etc.) that you have damaged in an accident where you are at fault.

Using the above example, your property damage liability insurance would cover the bodywork and other repair costs that were necessary to fix the other driver’s car after you hit it. The minimum amount of Property Damage Liability required is $15,000.

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Idaho Auto Insurance Rates

Idaho has the least expensive auto insurance rates in the nation (although this could change at any time). The average cost of car insurance in Idaho is just $1074 per year, which is more than a third lower than the national annual average of $1440.

Those who live in Idaho’s major cities will inevitably end up paying a slightly higher rate, with drivers in Nampa looking at $1307 per year and drivers in Boise paying around $1250.

There are a lot of factors that auto insurance companies take into consideration when determining your Idaho auto insurance rates. Take a look at our overview here to learn which factors affect finding the cheapest auto insurance in Idaho.

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

Idaho Auto Insurance Rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

But which companies are the largest, holding the most market share percentage in the region?

Idaho Driving Statistics

The news is good for Idahoan drivers when it comes to vehicle crash rates. The total crash rate has continued to trend downward throughout the decade, with just 22,555 crashes occurring in 2010, a 2% drop from 2009’s total.

Even better, fatalities caused by traffic accidents came in at just 209 deaths in 2010, which was a 7.5% drop from the year prior. Thanks to a recent focus by law enforcement on punishing those who refuse to wear their seat belt and on those who drive while under the influence of alcohol or drugs, the fatality rate is expected to decline even further.

Auto theft rates are remarkably low in Idaho, thanks to the friendliness of the population and the care that drivers take in securing their vehicles. Just 1,442 vehicles were stolen in the state in 2009, which is a decrease from 2008’s total of 1,675.

This downward trend has continued since 2005, which was the recent peak year for auto thefts. If the theft rate continues to plummet, Idahoan drivers will save even more on their incredibly low auto insurance.

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Auto Insurance Agents In Idaho

If you’re looking for an auto insurance agent in Idaho, check out the list below.

Idaho Auto Insurance Agents

Additional State of Idaho Insurance Resources

The resources below are official Idaho services that can help you with any insurance or driving needs.

Finding affordable auto insurance in Idaho doesn’t have to be complicated. Enter your ZIP code below to compare Idaho auto insurance quotes right now.

Frequently Asked Questions

What are the minimum insurance requirements in Idaho?

Idaho requires $25,000/$50,000 for bodily injury liability and $15,000 for property damage liability.

Do I need additional auto insurance coverage options in Idaho?

Additional coverage options include collision, comprehensive, uninsured/underinsured motorist, medical payments, and rental car coverage.

What type of insurance system does Idaho use?

Idaho uses a tort insurance system, where the at-fault driver can be subject to lawsuits and claims.

What are the average auto insurance rates in Idaho per month?

Idaho’s average auto insurance rates are approximately $89.50 per month or $1,074 per year.

Which factors affect car insurance rates in Idaho?

Factors that can impact rates include age, gender, driving record, vehicle type, coverage limits, and deductibles.

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