- Average car insurance cost in Idaho is $1,296 per year, or approximately $108 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 $1,296 per year, or around $108 for full coverage. As the fourth cheapest state in the U.S. for auto insurance, it costs 28.6% less than the national average rate of $1,728 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 $1,378 per year, the Hyundai Elantra at $1,416, the Nissan Sentra at $1,202, the Honda Accord at $1,310, and the Toyota Corolla at $1,218 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 $1,290 per year to insure the Acura, $1,380 per year for the Lexus, and $1,808 per year for the Infiniti.
If pickups are your thing, you’ll pay an average of $1,320 per year to insure a Ford F150, $1,416 per year for a Chevy Silverado, $1,416 per year for a Ram 1500, and $1,184 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 $980 per year for a 60-year-old driver with $1,000 deductibles to $2,994 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 $82 to $250 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 $3,266 per year for a 19-year-old female driver up to $4,642 per year for a 16-year-old male driver.
For 17 and 18-year-olds, average auto insurance rates in Idaho will cost $3,858 to $4,340 per year for 17-year-olds and $3,518 to $4,052 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 24.4% less than Montana, 21.2% less than Wyoming, 20% less than Utah, 49.6% less than Nevada, 26% less than Oregon, and 22.8% less than Washington.
When compared to states in other parts of the country, the average car insurance quote in Idaho is 34.7% cheaper than Georgia, 52.8% cheaper than Florida, 25.6% cheaper than Texas, 39.3% cheaper than Colorado, and 46.6% 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 $1,320 per year. When compared to other states, this rates is:
- $396 per year cheaper than in Oregon ($1,716)
- $290 per year cheaper than in Utah ($1,610)
- $864 per year cheaper than in Nevada ($2,184)
- $886 per year cheaper than in California ($2,206)
- $76 per year cheaper than in Alaska ($1,396)
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 $980 per year or $82 per month.
Other models that are cheapest in their respective segments are the Subaru Impreza at $1,072 per year, the Subaru Legacy at $1,194 per year, the Honda Passport at $1,006 per year, the Chrysler 300 at $1,264 per year, the Chevrolet Tahoe at $1,216 per year, the Ford Maverick at $1,078 per year, and the Nissan Titan at $1,282 per year.
For luxury car models, affordable car insurance rates in Idaho can be found on the Acura Integra at $1,164 per year, the Cadillac CT5 at $1,394 per year, and the Audi A5 at $1,456 per year.
The cheapest luxury SUVs to insure in Idaho are the Acura RDX at $1,082 per year, the Lexus RX 350 at $1,160 per year, and the Volvo XC90 at $1,338 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||$1,330||$111|
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 - $1,224 per year or $102 per month
- Nampa Car Insurance - $1,290 per year or $108 per month
- Meridian Car Insurance - $1,218 per year or $102 per month
- Idaho Falls Car Insurance - $1,344 per year or $112 per month
- Pocatello Car Insurance - $1,324 per year or $110 per month
- Caldwell Car Insurance - $1,292 per year or $108 per month
- Coeur d'Alene Car Insurance - $1,274 per year or $106 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 $338 per year. Serious misdemeanors such as hit-and-run, DUI or reckless driving could raise rates by an additional $1,192 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 $2,578 per year, while a 20-year-old woman pays an average of $1,912, a difference of $666 per year. Women get significantly cheaper rates. But by age 50, the rate for men is $1,178 and the cost for female drivers is $1,156, 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 ($1,178 per year) and a 30-year-old driver ($1,364 per year) is $186, 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 $1,560 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 $208 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 $284 per year for a 40-year-old driver and $552 per year for a 20-year-old driver.