Cheap Idaho Auto Insurance for 2021

Idaho auto insurance laws lay out strict Idaho auto insurance minimums at 25/50/15 for bodily injury and property damage coverage and average Idaho auto insurance rates are $89.50/mo. To the best Idaho auto insurance companies for your needs, it's important to shop around and compare rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 6, 2021

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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.

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 Idaho auto insurance with confidence.

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

Idaho Auto Insurance Laws And Requirements

All drivers in Idaho must carry a certain amount of insurance 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
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In addition to the legally required coverage, there are other coverage options available. Optional coverage options in Idaho include:

  • Comprehensive Coverage
  • Collision Coverage
  • Medical Payments Coverage
  • Custom Equipment Coverage
  • Roadside Assistance / Towing Coverage
  • Uninsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage
  • Rental Reimbursement

As is the case with most other states, Idaho uses a tort 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 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 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 price for a year of Idaho auto insurance is just $1074, which is more than a third lower than the national annual average of $1440.

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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.

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There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

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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.

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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.

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

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

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State Minimum Auto Insurance Rates Nationwide
Average Monthly Auto Insurance Rates by State
Monthly Idaho Auto Insurance Rates by ZIP Code
Factors Affecting Auto Insurance Rates in Idaho
Average Monthly Auto Insurance Rates by Age & Gender in Idaho
Idaho Auto Insurance Rates by Company vs. State Average
Idaho Auto Insurers by Market Share %
State Minimum Auto Insurance Rates Nationwide
Average Monthly Auto Insurance Rates by State
Monthly Idaho Auto Insurance Rates by ZIP Code
Factors Affecting Auto Insurance Rates in Idaho
Average Monthly Auto Insurance Rates by Age & Gender in Idaho
Idaho Auto Insurance Rates by Company vs. State Average
Idaho Auto Insurers by Market Share %