Idaho Car Insurance Cost for 2022

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 $1,204 per year, or around $100 for full coverage. As the fourth cheapest state in the U.S. for auto insurance, it costs 22.4% less than the national average rate of $1,551 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 $1,326 per year, the Hyundai Elantra at $1,356, the Nissan Sentra at $1,176, the Honda Accord at $1,256, and the Toyota Corolla at $1,184 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 $1,246 per year to insure the Acura, $1,394 per year for the Lexus, and $1,752 per year for the Infiniti.

If pickups are your thing, you’ll pay an average of $1,164 per year to insure a Ford F150, $1,294 per year for a Chevy Silverado, $1,376 per year for a Ram 1500, and $1,116 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 $910 per year for a 60-year-old driver with $1,000 deductibles to $2,766 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 2022 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 May 19, 2022
Average Car Insurance Cost in Idaho
Average Car Insurance Cost in Idaho
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,026$169
$500$2,386$199
$250$2,766$231
30$1,000$1,064$89
$500$1,268$106
$250$1,478$123
40$1,000$1,018$85
$500$1,204$100
$250$1,396$116
50$1,000$926$77
$500$1,092$91
$250$1,266$106
60$1,000$910$76
$500$1,074$90
$250$1,244$104

When annual rates are converted to a monthly amount, the average cost of car insurance per month in Idaho ranges from $76 to $231 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 $3,022 per year for a 19-year-old female driver up to $4,310 per year for a 16-year-old male driver.

For 17 and 18-year-olds, average auto insurance rates in Idaho will cost $3,578 to $4,024 per year for 17-year-olds and $3,260 to $3,760 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 18.9% less than Montana, 13.9% less than Wyoming, 4.3% less than Utah, 28% less than Nevada, 5.8% less than Oregon, and 4% less than Washington.

When compared to states in other parts of the country, the average car insurance quote in Idaho is 18.2% cheaper than Georgia, 46% cheaper than Florida, 16.2% cheaper than Texas, 26% cheaper than Colorado, and 25.7% 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 2022 Ford F150 cost $1,164 per year. When compared to other states, this rates is:

  • $70 per year cheaper than in Oregon ($1,234)
  • $54 per year cheaper than in Utah ($1,218)
  • $454 per year cheaper than in Nevada ($1,618)
  • $524 per year cheaper than in California ($1,688)
  • $128 per year cheaper than in Alaska ($1,292)

The chart below shows how auto insurance cost in Idaho compares to other West region U.S. states. Idaho takes third place in the West region for cheapest car insurance rates, and ranks #12 of all 50 states. Only the states of Hawaii and Washington have cheaper average car insurance rates in the West region.

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$1,036-$168
Washington$1,158-$46
Idaho$1,204--
Utah$1,258$54
Oregon$1,278$74
Alaska$1,338$134
Wyoming$1,398$194
Montana$1,484$280
Colorado$1,626$422
Nevada$1,672$468
California$1,746$542

Which vehicles have the cheapest Idaho car insurance?

Out of our top 50 cheapest vehicles to insure in Idaho rankings, the #1 spot goes to the Mazda CX-5, costing an average of $916 per year or $76 per month.

Other models that are cheapest in their respective segments are the Subaru Impreza at $1,042 per year, the Subaru Legacy at $1,164 per year, the Honda Passport at $968 per year, the Toyota Avalon at $1,262 per year, the Chevrolet Tahoe at $1,206 per year, the Chevrolet Colorado at $988 per year, and the Ford F150 at $1,164 per year.

For luxury car models, affordable car insurance rates in Idaho can be found on the Mercedes-Benz A220 at $1,182 per year, the Acura ILX at $1,106 per year, and the Audi A5 at $1,414 per year.

The cheapest luxury SUVs to insure in Idaho are the Acura RDX at $1,032 per year, the Cadillac XT5 at $1,182 per year, and the Volvo XC90 at $1,302 per year.

The table below shows the top 50 vehicles with the cheapest car insurance in Idaho for the 2022 model year.

Top 50 Cheapest Car Insurance Rates in Idaho
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$916$76
2Nissan Kicks$936$78
3Chevrolet Trailblazer$942$79
4Subaru Crosstrek$966$81
5Honda Passport$968$81
6Chevrolet Colorado$988$82
7Toyota C-HR$992$83
8Buick Encore$994$83
9Nissan Rogue Sport$1,000$83
10Hyundai Venue$1,020$85
11Buick Envision$1,024$85
12Kia Seltos$1,024$85
13Ford Maverick$1,030$86
14Acura RDX$1,032$86
15Subaru Ascent$1,032$86
16Toyota Corolla Cross$1,032$86
17Hyundai Kona$1,040$87
18Mazda MX-5 Miata$1,042$87
19Subaru Forester$1,042$87
20Subaru Impreza$1,042$87
21Volkswagen Tiguan$1,042$87
22Chevrolet Spark$1,050$88
23Honda CR-V$1,052$88
24Cadillac XT4$1,058$88
25Mazda CX-30$1,064$89
26Ford Ranger$1,068$89
27Ford Edge$1,084$90
28Honda HR-V$1,084$90
29Ford Ecosport$1,088$91
30Subaru Outback$1,104$92
31Acura ILX$1,106$92
32Chevrolet Trax$1,106$92
33GMC Terrain$1,108$92
34Mitsubishi Eclipse Cross$1,110$93
35Nissan Murano$1,116$93
36Toyota Tacoma$1,116$93
37Hyundai Tucson$1,118$93
38Honda Odyssey$1,120$93
39Chevrolet Bolt$1,122$94
40Chevrolet Equinox$1,122$94
41Toyota Venza$1,122$94
42Volkswagen Taos$1,126$94
43Fiat 500X$1,132$94
44Ford Explorer$1,132$94
45Toyota RAV4$1,134$95
46Kia Sorento$1,138$95
47Kia Soul$1,140$95
48Nissan Frontier$1,146$96
49GMC Canyon$1,152$96
50Hyundai Palisade$1,154$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 March 24, 2022
    Top 50 Cheapest Car Insurance Rates in Idaho

    The chart below shows average car insurance rates for 10 of the more popular vehicles sold in the state of Idaho. The Honda CR-V and Nissan Rogue made the top 50 cheapest vehicles list shown above but the other eight did not make the cut.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Idaho car insurance cost is based on 2022 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 March 24, 2022
    Idaho Car Insurance Rates for Popular Vehicles
    Idaho Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Honda CR-V$1,052$88
    Honda HR-V$1,084$90
    Toyota RAV4$1,134$95
    Ford F150$1,164$97
    Nissan Rogue$1,176$98
    Toyota Camry$1,182$99
    Kia Forte$1,234$103
    Hyundai Santa Fe$1,254$105
    Chevrolet Silverado$1,294$108
    Ram Truck$1,376$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 $316 per year. Serious misdemeanors such as hit-and-run, DUI or reckless driving could raise rates by an additional $1,102 or more.
    • Gender and age are two big factors. For the average 2022 model year vehicle, a 20-year-old male driver will pay an average rate of $2,386 per year, while a 20-year-old woman pays an average of $1,774, a difference of $612 per year. Women get significantly cheaper rates. But by age 50, the rate for men is $1,092 and the cost for female drivers is $1,072, a difference of only $20.
    • As you age, car insurance rates tend to get cheaper. The difference in insurance rates in Idaho between a 50-year-old driver ($1,092 per year) and a 30-year-old driver ($1,268 per year) is $176, or a savings of 13.9% 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 $1,442 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 $54 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 $232 per year for a 40-year-old driver and $452 per year for a 20-year-old driver.