How Much Does Auto Insurance Cost in Idaho?
Idaho pricing is near the national average. Updated for 2024.
Auto Insurance Pricing in Idaho
In Idaho, the average cost for auto insurance is $166 per month, which is 8% lower than the national average of $180. Most Idaho residents pay between $92 and $276.
Idaho has costs that track closely with the national average, though prices can still vary between urban and rural areas within the state.
Auto insurance premiums depend on your driving record, vehicle, coverage levels, location, credit score, and age. Full coverage costs significantly more than minimum liability.
Idaho vs National Average
What Affects Auto Insurance Cost in Idaho?
Coverage
Minimum liability: $50-$100/mo. Full coverage: $150-$300/mo
Driving Record
Clean record vs DUI/accident can mean 50-200% higher premiums
💡 Tips to Save on Auto Insurance in Idaho
- 1.Bundle with home insurance for 10-25% discount
- 2.Raise your deductible to lower premiums
- 3.Ask about safe driver and low mileage discounts
- 4.Shop around every 1-2 years — loyalty rarely pays
Frequently Asked Questions
How much car insurance do I need?
At minimum, you need your state's required liability coverage. Experts recommend at least 100/300/100 liability plus comprehensive and collision.