- Average car insurance cost in Idaho is $2,016 per year, or approximately $168 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 $2,016 per year, or around $168 for full coverage. As the fourth cheapest state in the U.S. for auto insurance, it costs 12.1% less than the national average rate of $2,276 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 $2,018 per year, the Hyundai Elantra at $2,192, the Nissan Sentra at $1,852, the Honda Accord at $1,950, and the Toyota Corolla at $1,966 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 $2,016 per year to insure the Acura, $2,154 per year for the Lexus, and $2,284 per year for the Infiniti.
If pickups are your thing, you’ll pay an average of $2,260 per year to insure a Ford F150, $2,232 per year for a Chevy Silverado, $2,334 per year for a Ram 1500, and $2,046 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 $1,416 per year for a 60-year-old driver with $1,000 deductibles to $4,722 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 $118 to $394 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 $4,806 per year for a 19-year-old female driver up to $7,190 per year for a 16-year-old male driver.
For 17 and 18-year-olds, average auto insurance rates in Idaho will cost $6,675 to $6,966 per year for 17-year-olds and $5,760 to $6,245 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 16.4% less than Montana, 14.3% less than Wyoming, 13.2% less than Utah, 34.6% less than Nevada, 17.6% less than Oregon, and 15.3% less than Washington.
When compared to states in other parts of the country, the average car insurance quote in Idaho is 23.6% cheaper than Georgia, 32.3% cheaper than Florida, 17.1% cheaper than Texas, 27% cheaper than Colorado, and 32.4% 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 $2,260 per year. When compared to other states, this rates is:
- $430 per year cheaper than in Oregon ($2,690)
- $316 per year cheaper than in Utah ($2,576)
- $940 per year cheaper than in Nevada ($3,200)
- $968 per year cheaper than in California ($3,228)
- $84 per year cheaper than in Alaska ($2,344)
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 $1,490 per year or $124 per month.
Other models that are cheapest in their respective segments are the Toyota GR Corolla at $1,752 per year, the Kia K5 at $1,946 per year, the Honda Passport at $1,606 per year, the Chrysler 300 at $1,922 per year, the Chevrolet Tahoe at $1,894 per year, the Chevrolet Colorado at $1,778 per year, and the Nissan Titan at $1,888 per year.
For luxury car models, affordable car insurance rates in Idaho can be found on the Acura Integra at $1,794 per year, the Mercedes-Benz CLA250 at $2,078 per year, and the Audi A5 at $2,398 per year.
The cheapest luxury SUVs to insure in Idaho are the Acura RDX at $1,686 per year, the Jaguar E-Pace at $1,886 per year, and the Infiniti QX80 at $2,262 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 | $1,490 | $124 |
| 2 | Chevrolet Trailblazer | $1,516 | $126 |
| 3 | Kia Soul | $1,574 | $131 |
| 4 | Nissan Kicks | $1,590 | $133 |
| 5 | Honda Passport | $1,606 | $134 |
| 6 | Buick Envision | $1,616 | $135 |
| 7 | Toyota Corolla Cross | $1,628 | $136 |
| 8 | Hyundai Venue | $1,640 | $137 |
| 9 | Mazda CX-5 | $1,646 | $137 |
| 10 | Ford Bronco Sport | $1,652 | $138 |
| 11 | Volkswagen Tiguan | $1,670 | $139 |
| 12 | Acura RDX | $1,686 | $141 |
| 13 | Nissan Murano | $1,694 | $141 |
| 14 | Buick Encore | $1,714 | $143 |
| 15 | Subaru Outback | $1,718 | $143 |
| 16 | Honda CR-V | $1,720 | $143 |
| 17 | Buick Envista | $1,728 | $144 |
| 18 | Volkswagen Taos | $1,730 | $144 |
| 19 | Kia Niro | $1,736 | $145 |
| 20 | Toyota GR Corolla | $1,752 | $146 |
| 21 | Subaru Ascent | $1,756 | $146 |
| 22 | Honda HR-V | $1,758 | $147 |
| 23 | Nissan Leaf | $1,768 | $147 |
| 24 | Chevrolet Colorado | $1,778 | $148 |
| 25 | Lexus NX 250 | $1,784 | $149 |
| 26 | Honda Civic | $1,788 | $149 |
| 27 | Volkswagen Atlas | $1,790 | $149 |
| 28 | Acura Integra | $1,794 | $150 |
| 29 | Subaru Forester | $1,796 | $150 |
| 30 | Volkswagen Atlas Cross Sport | $1,798 | $150 |
| 31 | Kia Seltos | $1,804 | $150 |
| 32 | GMC Terrain | $1,806 | $151 |
| 33 | Nissan Rogue | $1,816 | $151 |
| 34 | Hyundai Kona | $1,820 | $152 |
| 35 | Cadillac XT4 | $1,822 | $152 |
| 36 | Mazda CX-30 | $1,822 | $152 |
| 37 | Volkswagen ID4 | $1,830 | $153 |
| 38 | Ford Explorer | $1,832 | $153 |
| 39 | Toyota Highlander | $1,836 | $153 |
| 40 | Toyota Venza | $1,842 | $154 |
| 41 | Ford Escape | $1,844 | $154 |
| 42 | Honda Odyssey | $1,844 | $154 |
| 43 | Nissan Sentra | $1,852 | $154 |
| 44 | Subaru Impreza | $1,856 | $155 |
| 45 | Chevrolet Equinox | $1,860 | $155 |
| 46 | Toyota RAV4 | $1,862 | $155 |
| 47 | Mazda MX-5 Miata | $1,868 | $156 |
| 48 | Hyundai Tucson | $1,874 | $156 |
| 49 | Mazda MX-30 | $1,874 | $156 |
| 50 | Chevrolet Traverse | $1,886 | $157 |
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 October 24, 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 - $1,948 per year or $162 per month
- Nampa Car Insurance - $2,012 per year or $168 per month
- Meridian Car Insurance - $1,946 per year or $162 per month
- Idaho Falls Car Insurance - $2,066 per year or $172 per month
- Pocatello Car Insurance - $2,044 per year or $170 per month
- Caldwell Car Insurance - $2,014 per year or $168 per month
- Coeur d'Alene Car Insurance - $1,998 per year or $167 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 $542 per year. Serious misdemeanors such as hit-and-run, DUI or reckless driving could raise rates by an additional $1,878 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 $4,062 per year, while a 20-year-old woman pays an average of $2,916, a difference of $1,146 per year. Women get significantly cheaper rates. But by age 50, the rate for men is $1,790 and the cost for female drivers is $1,746, 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 ($1,790 per year) and a 30-year-old driver ($2,154 per year) is $364, or a savings of 18.5% 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 $2,452 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 $22 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 $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.