- Average car insurance cost in Idaho is $1,256 per year, or approximately $105 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 Chevrolet Trailblazer has the cheapest car insurance in Idaho and is followed closely by the Subaru Crosstrek.
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 29.2% 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.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
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 25.3% less than Montana, 22% less than Wyoming, 20.7% less than Utah, 50.7% less than Nevada, 27% less than Oregon, and 23.8% less than Washington.
When compared to states in other parts of the country, the average car insurance quote in Idaho is 35.7% cheaper than Georgia, 54.5% cheaper than Florida, 26.4% cheaper than Texas, 40.4% cheaper than Colorado, and 47.7% 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.
|West Region States||Average Insurance Cost||Annual Difference|
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.
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.
|Make/Model||Annual Rate||Monthly Rate|
|Hyundai Santa Fe||$1,288||$107|
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 - $1,184 per year or $99 per month
- Nampa Car Insurance - $1,250 per year or $104 per month
- Meridian Car Insurance - $1,182 per year or $99 per month
- Idaho Falls Car Insurance - $1,304 per year or $109 per month
- Pocatello Car Insurance - $1,284 per year or $107 per month
- Caldwell Car Insurance - $1,254 per year or $105 per month
- Coeur d'Alene Car Insurance - $1,238 per year or $103 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 $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 14.6% 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.