Idaho Car Insurance Cost for 2023

How much does car insurance cost in Idaho? We break down average Idaho auto insurance quotes to find the vehicles with the most affordable rates.

Start QuoteCompare Idaho car insurance rates and save on your next policy.

How much does car insurance cost in Idaho?

The average car insurance cost in Idaho is $1,256 per year, or around $105 for full coverage. As the fourth cheapest state in the U.S. for auto insurance, it costs 25.5% less than the national average rate of $1,685 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 $1,336 per year, the Hyundai Elantra at $1,376, the Nissan Sentra at $1,168, the Honda Accord at $1,270, and the Toyota Corolla at $1,178 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 $1,252 per year to insure the Acura, $1,338 per year for the Lexus, and $1,754 per year for the Infiniti.

If pickups are your thing, you’ll pay an average of $1,276 per year to insure a Ford F150, $1,374 per year for a Chevy Silverado, $1,374 per year for a Ram 1500, and $1,148 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 $950 per year for a 60-year-old driver with $1,000 deductibles to $2,908 per year for a 20-year-old driver with $250 deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Idaho car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Idaho zip codes.Data last updated on December 30, 2022
Average Car Insurance Cost in Idaho
Average Car Insurance Cost in Idaho
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,122$177
$500$2,504$209
$250$2,908$242
30$1,000$1,110$93
$500$1,324$110
$250$1,548$129
40$1,000$1,060$88
$500$1,256$105
$250$1,460$122
50$1,000$968$81
$500$1,144$95
$250$1,330$111
60$1,000$950$79
$500$1,124$94
$250$1,306$109

When annual rates are converted to a monthly amount, the average cost of car insurance per month in Idaho ranges from $79 to $242 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 $3,168 per year for a 19-year-old female driver up to $4,502 per year for a 16-year-old male driver.

For 17 and 18-year-olds, average auto insurance rates in Idaho will cost $3,742 to $4,214 per year for 17-year-olds and $3,416 to $3,934 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 22.5% less than Montana, 19.8% less than Wyoming, 18.8% less than Utah, 40.5% less than Nevada, 23.8% less than Oregon, and 21.3% less than Washington.

When compared to states in other parts of the country, the average car insurance quote in Idaho is 30.3% cheaper than Georgia, 42.8% cheaper than Florida, 23.3% cheaper than Texas, 33.6% cheaper than Colorado, and 38.5% 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 2023 Ford F150 cost $1,276 per year. When compared to other states, this rates is:

  • $398 per year cheaper than in Oregon ($1,674)
  • $294 per year cheaper than in Utah ($1,570)
  • $870 per year cheaper than in Nevada ($2,146)
  • $892 per year cheaper than in California ($2,168)
  • $82 per year cheaper than in Alaska ($1,358)

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.

Get Rates in Your AreaWhy is this important?

Idaho Car Insurance Cost Compared to West Region
Average Car Insurance Cost in Idaho Compared to West Region
West Region States Average Insurance Cost Annual Difference
Hawaii$1,202-$54
Idaho$1,256--
Alaska$1,338$82
Utah$1,546$290
Wyoming$1,566$310
Washington$1,596$340
Montana$1,620$364
Oregon$1,648$392
Colorado$1,892$636
Nevada$2,110$854
California$2,134$878

Which vehicles have the cheapest Idaho car insurance?

Out of our top 50 cheapest vehicles to insure in Idaho rankings, the #1 spot for 2023 goes to the Chevrolet Trailblazer, costing an average of $952 per year or $79 per month.

Other models that are cheapest in their respective segments are the Subaru Impreza at $1,040 per year, the Subaru Legacy at $1,160 per year, the Honda Passport at $978 per year, the Chrysler 300 at $1,228 per year, the Chevrolet Tahoe at $1,180 per year, the Ford Maverick at $1,044 per year, and the Nissan Titan at $1,244 per year.

For luxury car models, affordable car insurance rates in Idaho can be found on the Acura Integra at $1,130 per year, the Cadillac CT5 at $1,352 per year, and the Audi A5 at $1,410 per year.

The cheapest luxury SUVs to insure in Idaho are the Acura RDX at $1,050 per year, the Lexus RX 350 at $1,128 per year, and the Volvo XC90 at $1,298 per year.

The table below shows the top 50 vehicles with the cheapest car insurance in Idaho for the 2023 model year.

Top 50 Cheapest Car Insurance Rates in Idaho
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$952$79
2Subaru Crosstrek$962$80
3Nissan Kicks$966$81
4Honda Passport$978$82
5Nissan Rogue Sport$982$82
6Mazda CX-5$990$83
7Buick Encore$1,002$84
8Buick Envision$1,006$84
9Kia Seltos$1,018$85
10Subaru Ascent$1,024$85
11Hyundai Venue$1,026$86
12Subaru Impreza$1,040$87
13Ford Maverick$1,044$87
14Honda HR-V$1,046$87
15Acura RDX$1,050$88
16Chevrolet Colorado$1,050$88
17Hyundai Kona$1,056$88
18Subaru Forester$1,062$89
19Ford Edge$1,066$89
20Honda CR-V$1,066$89
21Mazda CX-30$1,070$89
22Ford Explorer$1,072$89
23Volkswagen Atlas$1,076$90
24Chevrolet Trax$1,080$90
25Nissan Murano$1,082$90
26Subaru Outback$1,084$90
27Nissan Frontier$1,086$91
28Volkswagen Tiguan$1,094$91
29Ford Bronco Sport$1,096$91
30Fiat 500X$1,114$93
31Ford Ranger$1,116$93
32GMC Terrain$1,118$93
33Kia Soul$1,120$93
34Mitsubishi Eclipse Cross$1,120$93
35Volkswagen Atlas Cross Sport$1,124$94
36Lexus RX 350$1,128$94
37Acura Integra$1,130$94
38Chevrolet Equinox$1,130$94
39Cadillac XT4$1,136$95
40Toyota Corolla Cross$1,136$95
41Volkswagen Taos$1,138$95
42GMC Canyon$1,142$95
43Mazda CX-50$1,148$96
44Toyota Tacoma$1,148$96
45Toyota Venza$1,148$96
46Volkswagen Jetta$1,148$96
47Honda Odyssey$1,150$96
48Hyundai Tucson$1,150$96
49Ford Escape$1,152$96
50Kia Sorento$1,156$96

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Idaho.Data last updated on December 30, 2022
    Top 50 Cheapest Car Insurance Rates 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Idaho car insurance cost is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Idaho Zip Codes.Data last updated on December 30, 2022
    Idaho Car Insurance Rates for Popular Vehicles
    Idaho Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Honda HR-V$1,046$87
    Honda CR-V$1,066$89
    Nissan Rogue$1,156$96
    Toyota RAV4$1,166$97
    Toyota Camry$1,198$100
    Kia Forte$1,234$103
    Ford F150$1,276$106
    Hyundai Santa Fe$1,288$107
    Chevrolet Silverado$1,374$115
    Ram Truck$1,374$115

    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.

    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 $334 per year. Serious misdemeanors such as hit-and-run, DUI or reckless driving could raise rates by an additional $1,158 or more.
    • Gender and age are two big factors. For the average 2023 model year vehicle, a 20-year-old male driver will pay an average rate of $2,504 per year, while a 20-year-old woman pays an average of $1,856, a difference of $648 per year. Women get significantly cheaper rates. But by age 50, the rate for men is $1,144 and the cost for female drivers is $1,122, a difference of only $22.
    • As you age, car insurance rates tend to get cheaper. The difference in insurance rates in Idaho between a 50-year-old driver ($1,144 per year) and a 30-year-old driver ($1,324 per year) is $180, or a savings of 13.6% 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 $1,514 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 $210 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 $276 per year for a 40-year-old driver and $538 per year for a 20-year-old driver.