- Average car insurance cost in Idaho is $1,974 per year, or approximately $165 per month.
- Idaho ranks eighth for car insurance affordability out of all 50 U.S. states, and ranks second out of the 11 western U.S. region.
- Overall, the Subaru Crosstrek has the cheapest car insurance in Idaho and is followed closely by the Chevrolet Trailblazer.
How much does car insurance cost in Idaho?
The average car insurance cost in Idaho is $1,974 per year, or around $165 for full coverage. As the fourth cheapest state in the U.S. for auto insurance, it costs 11.8% less than the national average rate of $2,221 to insure a vehicle in Idaho.
Obviously, the actual cost is different than the average cost depending on the vehicle, and rates for some of the most popular vehicles include the Jeep Grand Cherokee at an average of $1,976 per year, the Hyundai Elantra at $2,144, the Nissan Sentra at $1,812, the Honda Accord at $1,910, and the Toyota Corolla at $1,924 per year.
If you prefer luxury models like the Acura MDX, the Lexus GX 460, or the Infiniti Q50 you’ll pay an average of $1,974 per year to insure the Acura, $2,110 per year for the Lexus, and $2,234 per year for the Infiniti.
If pickups are your thing, you’ll pay an average of $2,210 per year to insure a Ford F150, $2,186 per year for a Chevy Silverado, $2,282 per year for a Ram 1500, and $2,002 per year for a midsize Toyota Tacoma.
The chart below shows average car insurance cost in Idaho for a variety of driver ages and policy deductibles. Rates range from $1,386 per year for a 60-year-old driver with $1,000 deductibles to $4,622 per year for a 20-year-old driver with $250 deductibles.
When annual rates are converted to a monthly amount, the average cost of car insurance per month in Idaho ranges from $116 to $385 for the rates shown in the chart above.
Idaho car insurance quotes for teenage drivers are considerably higher than the data above, so expect to pay quite a bit more if you are insuring a 16 to 19-year-old. Average rates range from $4,702 per year for a 19-year-old female driver up to $7,035 per year for a 16-year-old male driver.
For 17 and 18-year-olds, average auto insurance rates in Idaho will cost $6,530 to $6,814 per year for 17-year-olds and $5,633 to $6,110 per year for 18-year-olds.
How does Idaho car insurance compare to other states?
When compared to surrounding states, Idaho car insurance rates are 16.5% less than Montana, 14.4% less than Wyoming, 13.6% less than Utah, 35.3% less than Nevada, 17.8% less than Oregon, and 15.4% less than Washington.
When compared to states in other parts of the country, the average car insurance quote in Idaho is 24.1% cheaper than Georgia, 33% cheaper than Florida, 17.4% cheaper than Texas, 27.4% cheaper than Colorado, and 32.9% cheaper than New York.
Here’s an example in actual dollar figures instead of percentages of how auto insurance rates in Idaho compare to other Western states in the U.S. This example uses the Ford F-150 as the rated vehicle with a 40-year-old male as the rated driver.
Average car insurance rates in Idaho on a 2024 Ford F150 cost $2,210 per year. When compared to other states, this rates is:
- $432 per year cheaper than in Oregon ($2,642)
- $318 per year cheaper than in Utah ($2,528)
- $942 per year cheaper than in Nevada ($3,152)
- $968 per year cheaper than in California ($3,178)
- $88 per year cheaper than in Alaska ($2,298)
The chart below shows how auto insurance cost in Idaho compares to other West region U.S. states. Idaho takes second place in the West region for cheapest car insurance rates, and ranks eighth of all 50 states.
Which vehicles have the cheapest Idaho car insurance?
Out of our top 50 cheapest vehicles to insure in Idaho rankings, the #1 spot for 2024 goes to the Subaru Crosstrek, costing an average of $1,460 per year or $122 per month.
Other models that are cheapest in their respective segments are the Toyota GR Corolla at $1,718 per year, the Kia K5 at $1,902 per year, the Honda Passport at $1,574 per year, the Chrysler 300 at $1,882 per year, the Chevrolet Tahoe at $1,854 per year, the Chevrolet Colorado at $1,742 per year, and the Nissan Titan at $1,848 per year.
For luxury car models, affordable car insurance rates in Idaho can be found on the Acura Integra at $1,756 per year, the Mercedes-Benz CLA250 at $2,032 per year, and the Audi A5 at $2,350 per year.
The cheapest luxury SUVs to insure in Idaho are the Acura RDX at $1,652 per year, the Jaguar E-Pace at $1,848 per year, and the Infiniti QX80 at $2,216 per year.
The table below shows the top 50 vehicles with the cheapest car insurance in Idaho for the 2024 model year.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,460 | $122 |
| 2 | Chevrolet Trailblazer | $1,484 | $124 |
| 3 | Kia Soul | $1,544 | $129 |
| 4 | Nissan Kicks | $1,554 | $130 |
| 5 | Honda Passport | $1,574 | $131 |
| 6 | Buick Envision | $1,584 | $132 |
| 7 | Toyota Corolla Cross | $1,592 | $133 |
| 8 | Hyundai Venue | $1,604 | $134 |
| 9 | Mazda CX-5 | $1,612 | $134 |
| 10 | Ford Bronco Sport | $1,618 | $135 |
| 11 | Volkswagen Tiguan | $1,636 | $136 |
| 12 | Acura RDX | $1,652 | $138 |
| 13 | Nissan Murano | $1,660 | $138 |
| 14 | Buick Encore | $1,678 | $140 |
| 15 | Honda CR-V | $1,684 | $140 |
| 16 | Subaru Outback | $1,684 | $140 |
| 17 | Buick Envista | $1,688 | $141 |
| 18 | Volkswagen Taos | $1,690 | $141 |
| 19 | Kia Niro | $1,700 | $142 |
| 20 | Honda HR-V | $1,718 | $143 |
| 21 | Subaru Ascent | $1,718 | $143 |
| 22 | Toyota GR Corolla | $1,718 | $143 |
| 23 | Nissan Leaf | $1,730 | $144 |
| 24 | Chevrolet Colorado | $1,742 | $145 |
| 25 | Honda Civic | $1,748 | $146 |
| 26 | Lexus NX 250 | $1,748 | $146 |
| 27 | Volkswagen Atlas | $1,752 | $146 |
| 28 | Acura Integra | $1,756 | $146 |
| 29 | Subaru Forester | $1,760 | $147 |
| 30 | Volkswagen Atlas Cross Sport | $1,760 | $147 |
| 31 | Kia Seltos | $1,762 | $147 |
| 32 | GMC Terrain | $1,768 | $147 |
| 33 | Nissan Rogue | $1,774 | $148 |
| 34 | Hyundai Kona | $1,776 | $148 |
| 35 | Mazda CX-30 | $1,780 | $148 |
| 36 | Cadillac XT4 | $1,784 | $149 |
| 37 | Ford Explorer | $1,792 | $149 |
| 38 | Volkswagen ID4 | $1,792 | $149 |
| 39 | Toyota Highlander | $1,798 | $150 |
| 40 | Ford Escape | $1,800 | $150 |
| 41 | Toyota Venza | $1,804 | $150 |
| 42 | Honda Odyssey | $1,806 | $151 |
| 43 | Nissan Sentra | $1,812 | $151 |
| 44 | Subaru Impreza | $1,814 | $151 |
| 45 | Chevrolet Equinox | $1,818 | $152 |
| 46 | Toyota RAV4 | $1,820 | $152 |
| 47 | Mazda MX-5 Miata | $1,828 | $152 |
| 48 | Mazda MX-30 | $1,832 | $153 |
| 49 | Hyundai Tucson | $1,836 | $153 |
| 50 | Chevrolet Traverse | $1,842 | $154 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Idaho Zip Codes. Updated June 26, 2025
Car insurance cost for popular vehicles in Idaho
Popular models don’t always have the cheapest insurance rates, and the chart below proves that point. Only the first few models made our list of the cheapest vehicles to insure above. The rest all rank out of the top 50.
Average car insurance rates for Idaho cities
Average insurance rates are listed below for some of the bigger cities in Idaho. These pages show detailed city-based insurance cost information, including rankings for over 150 of the cheapest models to insure in each city.
- Boise Car Insurance - $1,900 per year or $158 per month
- Nampa Car Insurance - $1,970 per year or $164 per month
- Meridian Car Insurance - $1,898 per year or $158 per month
- Idaho Falls Car Insurance - $2,022 per year or $169 per month
- Pocatello Car Insurance - $2,004 per year or $167 per month
- Caldwell Car Insurance - $1,974 per year or $165 per month
- Coeur d'Alene Car Insurance - $1,956 per year or $163 per month
Bonus insurance rates and insights
As if the prior discussion didn’t provide enough data, here are a few more rates and savings tips that could possibly save you some money on your next policy.
- Get cheaper insurance rates by avoiding traffic tickets. In order to have the cheapest Idaho car insurance rates, you have to obey the law. Just a couple of driving violations could raise car insurance rates by at least $526 per year. Serious misdemeanors such as hit-and-run, DUI or reckless driving could raise rates by an additional $1,836 or more.
- Gender and age are two big factors. For the average 2024 model year vehicle, a 20-year-old male driver will pay an average rate of $3,974 per year, while a 20-year-old woman pays an average of $2,852, a difference of $1,122 per year. Women get significantly cheaper rates. But by age 50, the rate for men is $1,752 and the cost for female drivers is $1,708, a difference of only $44.
- As you age, car insurance rates tend to get cheaper. The difference in insurance rates in Idaho between a 50-year-old driver ($1,752 per year) and a 30-year-old driver ($2,106 per year) is $354, or a savings of 18.4% for the older driver.
- Car insurance is expensive for high-risk drivers. For a 40-year-old driver, having too many accidents or getting too many violations could increase the cost by $2,394 or more per year.
- Research discounts to save money. Discounts may be available if the policyholders insure multiple vehicles on the same policy, are accident-free, choose electronic billing, belong to certain professional organizations, or many other discounts which could save the average driver as much as $26 per year on the cost of Idaho car insurance
- Increase physical damage deductibles to save money. Raising comprehensive and collision deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.