Find Cheaper Idaho Car Insurance Rates in 2024

Average insurance prices in Idaho for 2024 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

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.

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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.

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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.

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.

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.