Idaho Car Insurance Cost for 2021

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.

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How much does car insurance cost in Idaho?

The average car insurance cost in Idaho is $1,016 per year, or around $85 for full coverage. As the fourth cheapest state in the U.S. for auto insurance, it costs 33.3% less than the national average rate of $1,523 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 $1,106 per year, the Hyundai Elantra at $1,138, the Nissan Sentra at $1,002, the Honda Accord at $976, and the Toyota Corolla at $878 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 $958 per year to insure the Acura, $1,102 per year for the Lexus, and $1,442 per year for the Infiniti.

If pickups are your thing, you’ll pay an average of $966 per year to insure a Ford F150, $1,056 per year for a Chevy Silverado, $1,102 per year for a Ram 1500, and $854 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 $766 per year for a 60-year-old driver with $1,000 deductibles to $2,334 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 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Idaho zip codes.
Average Car Insurance Cost in Idaho
Average Car Insurance Cost in Idaho
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,708$142
$500$2,014$168
$250$2,334$195
30$1,000$894$75
$500$1,066$89
$250$1,244$104
40$1,000$858$72
$500$1,016$85
$250$1,178$98
50$1,000$780$65
$500$922$77
$250$1,068$89
60$1,000$766$64
$500$906$76
$250$1,050$88

When annual rates are converted to a monthly amount, the average cost of car insurance per month in Idaho ranges from $64 to $195 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 $2,548 per year for a 19-year-old female driver up to $3,630 per year for a 16-year-old male driver.

For 17 and 18-year-olds, average auto insurance rates in Idaho will cost $3,014 to $3,392 per year for 17-year-olds and $2,746 to $3,168 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 27% less than Montana, 24.7% less than Wyoming, 18.1% less than Utah, 40.2% less than Nevada, 24.3% less than Oregon, and 15.1% less than Washington.

When compared to states in other parts of the country, the average car insurance quote in Idaho is 35.1% cheaper than Georgia, 50.3% cheaper than Florida, 31% cheaper than Texas, 37.3% cheaper than Colorado, and 39.6% 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 2021 Ford F150 cost $966 per year. When compared to other states, this rates is:

  • $314 per year cheaper than in Oregon ($1,280)
  • $216 per year cheaper than in Utah ($1,182)
  • $656 per year cheaper than in Nevada ($1,622)
  • $636 per year cheaper than in California ($1,602)
  • $172 per year cheaper than in Alaska ($1,138)

The chart below shows how auto insurance cost in Idaho compares to other West region U.S. states. Idaho takes the top spot in the West region for cheapest car insurance rates, and ranks fourth of all 50 states. Only the states of Iowa, Virginia, and Maine have cheaper average car insurance rates than Idaho.

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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
Idaho$1,016--
Alaska$1,192$176
Washington$1,196$180
Hawaii$1,204$188
Utah$1,240$224
Oregon$1,342$326
Wyoming$1,350$334
Montana$1,392$376
Colorado$1,620$604
California$1,676$660
Nevada$1,698$682

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 Subaru Forester, costing an average of $752 per year or $63 per month.

Other models that are cheapest in their respective segments are the Volkswagen Golf at $808 per year, the Mazda 6 at $940 per year, the Ford Edge at $804 per year, the Kia Cadenza at $1,026 per year, the Toyota Sequoia at $1,000 per year, the Toyota Tacoma at $854 per year, and the Ford F-150 at $966 per year.

Additional vehicles that rank very well for cheap auto insurance in Idaho include the Kia Sportage, Ford Edge, and Volkswagen Golf. The cheapest overall pickup to insure in Idaho is the Toyota Tacoma with an average cost of $854 per year.

For luxury car models, the cheapest car insurance rates in Idaho can be found on the Mercedes-Benz A220 at $992 per year, the Acura ILX at $946 per year, and the Volvo S90 at $1,104 per year.

The cheapest luxury SUVs to insure in Idaho are the Volvo XC40 at $836 per year, the Volvo V60 at $954 per year, and the Volvo XC90 at $974 per year.

The table below shows the top 50 vehicles with the cheapest car insurance in Idaho for the 2021 model year.

Top 50 Cheapest Car Insurance Rates in Idaho
Rank Make/Model Annual Cost Monthly Cost
1Subaru Forester$752$63
2Honda CR-V$762$64
3Ram Promaster City$790$66
4Mazda CX-3$796$66
5Kia Sportage$802$67
6Toyota C-HR$802$67
7Ford Edge$804$67
8Volkswagen Golf$808$67
9Mazda CX-5$818$68
10Subaru Crosstrek$826$69
11Chevrolet Spark$834$70
12Volvo XC40$836$70
13Hyundai Venue$840$70
14Volkswagen Atlas$848$71
15Hyundai Kona$852$71
16Kia Soul$852$71
17Subaru Impreza$852$71
18Kia Telluride$854$71
19Toyota Tacoma$854$71
20Chevrolet Blazer$858$72
21Jeep Compass$858$72
22Kia Sedona$858$72
23Chevrolet Colorado$860$72
24Mazda CX-30$860$72
25Subaru Outback$860$72
26Kia Rio5$862$72
27Nissan Kicks$862$72
28Honda Passport$864$72
29Mitsubishi Eclipse Cross$864$72
30Subaru Ascent$864$72
31Ford Escape$866$72
32Hyundai Tucson$866$72
33Nissan Frontier$870$73
34Acura RDX$874$73
35Volkswagen Tiguan$874$73
36Honda Pilot$876$73
37Toyota Corolla$878$73
38Ford Ecosport$880$73
39Buick Envision$884$74
40Kia Seltos$886$74
41Nissan Rogue Sport$894$75
42Chevrolet Trailblazer$898$75
43Chevrolet Trax$898$75
44Cadillac XT4$904$75
45Buick Encore$906$76
46Chevrolet Express$906$76
47Jeep Renegade$912$76
48Nissan Rogue$912$76
49Chevrolet Equinox$914$76
50Nissan Murano$914$76

    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.
    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 2021 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.
    Idaho Car Insurance Rates for Popular Vehicles
    Idaho Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Honda CR-V$762$64
    Nissan Rogue$912$76
    Honda HR-V$956$80
    Ford F150$966$81
    Toyota RAV4$974$81
    Kia Forte$990$83
    Toyota Camry$1,012$84
    Hyundai Santa Fe$1,054$88
    Chevrolet Silverado$1,056$88
    Ram Truck$1,102$92

    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 $260 per year. Serious misdemeanors such as hit-and-run, DUI or reckless driving could raise rates by an additional $926 or more.
    • Gender and age are two big factors. For the average 2021 model year vehicle, a 20-year-old male driver will pay an average rate of $2,014 per year, while a 20-year-old woman pays an average of $1,494, a difference of $520 per year. Women get significantly cheaper rates. But by age 50, the rate for men is $922 and the cost for female drivers is $904, a difference of only $18.
    • As you age, car insurance rates tend to get cheaper. The difference in insurance rates in Idaho between a 50-year-old driver ($922 per year) and a 30-year-old driver ($1,066 per year) is $144, or a savings of 13.5% 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 $1,212 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 $244 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 $236 per year for a 40-year-old driver and $458 per year for a 20-year-old driver.