Car Insurance Cost in Idaho Falls, ID – Cheapest Rates (2025) + Averages

How much does Idaho Falls auto insurance cost? We break down average insurance rates for nearly 200 vehicles to find the models with cheap car insurance quotes in Idaho Falls, ID.

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  • Idaho Falls car insurance rates average $2,022 per year for full coverage, or about $169 per month.
  • Models like the Honda CR-V, Ford Bronco Sport, Toyota Corolla Cross, and Chevrolet Trailblazer are some of the top picks for having cheap car insurance in Idaho Falls.
  • Models with the most affordable car insurance in Idaho Falls in their respective segments include the Nissan Titan, Subaru Crosstrek, Chevrolet Colorado, Chevrolet Tahoe, and Acura Integra.
  • Car insurance quotes in Idaho Falls can vary from as low as $30 per month for the minimum required liability coverage to well over $695 per month for drivers needing high-risk coverage.

How much does car insurance cost in Idaho Falls?

In Idaho Falls, the average cost of car insurance is $2,022 per year, which is 9.4% less than the national average rate of $2,221. Per month, Idaho Falls car insurance costs around $169 for a full coverage policy.

In the state of Idaho, average car insurance cost is $1,974 per year, so the average cost in Idaho Falls is $48 more per year. The average cost of auto insurance in Idaho Falls compared to other Idaho cities is approximately $18 per year more expensive than in Pocatello, $52 per year more than in Nampa, and $122 per year more than in Boise.

The chart below shows additional data for the 20 to 60-year-old age groups by showing a range of rates for a wide range of driver ages and possible risk profiles.

Average car insurance rates in Idaho Falls for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Idaho Falls for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Idaho Falls includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Idaho Falls, ID
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,646$387
Safe Driver Age 20$4,068$339
At-fault Accidents Age 40$2,864$239
Low Deductibles Age 40$2,646$221
Safe Driver Age 30$2,158$180
Safe Driver Age 40$2,022$169
Safe Driver Age 50$1,792$149
High Deductibles Age 40$1,700$142
Discount Rate Age 40$1,680$140
Safe Driver Age 60$1,676$140

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

Average rates in the chart above range from $1,680 per year for a middle-aged driver with many policy discounts to $4,646 per year for a 20-year-old driver who has a few accidents and violations and has to buy a high risk policy. Throughout this article, the rate used for comparing different segments, models or locations is the 40-year-old safe driver rate, which has an average cost of $2,022 per year.

As a monthly cost, car insurance in Idaho Falls ranges from $140 to $387 for the same annual rate data shown in the chart above.

The age of the rated driver has the single biggest impact on the cost of car insurance. The list below details how age impacts cost by showing the difference in average car insurance rates in Idaho Falls for drivers from age 16 to 60.

Car insurance cost in Idaho Falls, Idaho, for drivers age 16 to 60

  • 16-year-old rated driver – $7,198 per year or $600 per month
  • 17-year-old rated driver – $6,974 per year or $581 per month
  • 18-year-old rated driver – $6,250 per year or $521 per month
  • 19-year-old rated driver – $5,694 per year or $475 per month
  • 20-year-old rated driver – $4,068 per year or $339 per month
  • 30-year-old rated driver – $2,158 per year or $180 per month
  • 40-year-old rated driver – $2,022 per year or $169 per month
  • 50-year-old rated driver – $1,792 per year or $149 per month
  • 60-year-old rated driver – $1,676 per year or $140 per month

The rates in the list above that detailed the cost to insure teen drivers were based on the rated driver being male. The chart below illustrates average car insurance rates for teen drivers by gender. For the most part, female drivers tend to pay less for car insurance, especially ages 16 to 19.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Idaho Falls includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Idaho Falls, ID for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$7,198$6,722
17-Year-Old$6,974$6,682
18-Year-Old$6,250$5,765
19-Year-Old$5,694$4,813

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 26, 2025

Auto insurance for a 16-year-old female driver in Idaho Falls costs an average of $476 less per year than the cost for a male driver, while at age 19, it’s still $881 cheaper per year for females than males.

The vehicles that have high popularity in Idaho Falls tend to be compact and midsize sedans like the Honda Civic, Toyota Corolla, and Kia K5 and compact or midsize SUVs like the Chevy Equinox and Jeep Grand Cherokee.

A few additional popular vehicles in Idaho Falls from other vehicle segments include luxury models like the Tesla Model S and Acura MDX, pickup trucks like the Ram 1500 and Chevy Silverado, and sports cars like the Ford Mustang and Porsche 911.

We get into more car insurance rates a little farther down this article, but before we delve that deep, let’s revisit some of the concepts that were discussed up to this point.

  • Insuring a teenager is not cheap – The average cost ranges from $4,813 to $7,198 per year for teen driver car insurance in Idaho Falls, ID.
  • Idaho Falls car insurance rates are more expensive than the Idaho state average – $2,022 (Idaho Falls average) compared to $1,974 (Idaho average)
  • Idaho Falls, Idaho, average car insurance cost is less than the U.S. average – $2,022 (Idaho Falls average) versus $2,221 (U.S. average)
  • Monthly car insurance cost ranges from $140 to $600 – That is the average auto insurance price range for drivers age 16 to 60 in Idaho Falls, Idaho.
  • Car insurance rates drop substantially between ages 20 and 30 – The average 30-year-old Idaho Falls, ID, driver will pay $1,910 less annually than a 20-year-old driver, $2,158 versus $4,068.

What is the cheapest car insurance in Idaho Falls, ID?

When comparing makes and models from all segments, the vehicles with the cheapest average car insurance quotes in Idaho Falls, ID, tend to be compact SUVs and crossovers like the Kia Soul, Subaru Crosstrek, Toyota Corolla Cross, and Nissan Kicks. Average car insurance prices for those crossover SUVs cost $1,758 or less per year, or $146 per month, for full coverage car insurance.

Some additional models that are ranked high in the cost comparison table are the Volkswagen Taos, Volkswagen Tiguan, Subaru Outback, and Acura RDX. Insurance rates are a few dollars per month higher for those models than the small SUVs and crossovers that rank at the top, but they still have an average cost of $1,886 or less per year.

The table below breaks down the 50 models with the cheapest car insurance in Idaho Falls, sorted by average cost.

Top 50 Cheapest Automobiles to Insure in Idaho Falls, Idaho
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,492$124
2Chevrolet Trailblazer$1,518$127
3Kia Soul$1,578$132
4Nissan Kicks$1,590$133
5Honda Passport$1,610$134
6Buick Envision$1,620$135
7Toyota Corolla Cross$1,628$136
8Hyundai Venue$1,642$137
9Mazda CX-5$1,648$137
10Ford Bronco Sport$1,654$138
11Volkswagen Tiguan$1,674$140
12Acura RDX$1,692$141
13Nissan Murano$1,700$142
14Buick Encore$1,718$143
15Subaru Outback$1,722$144
16Honda CR-V$1,724$144
17Buick Envista$1,728$144
18Volkswagen Taos$1,732$144
19Kia Niro$1,742$145
20Toyota GR Corolla$1,756$146
21Subaru Ascent$1,758$147
22Honda HR-V$1,760$147
23Nissan Leaf$1,772$148
24Chevrolet Colorado$1,780$148
25Honda Civic$1,790$149
26Lexus NX 250$1,790$149
27Volkswagen Atlas$1,792$149
28Acura Integra$1,796$150
29Subaru Forester$1,800$150
30Volkswagen Atlas Cross Sport$1,802$150
31Kia Seltos$1,806$151
32GMC Terrain$1,808$151
33Nissan Rogue$1,816$151
34Hyundai Kona$1,820$152
35Mazda CX-30$1,822$152
36Cadillac XT4$1,824$152
37Volkswagen ID4$1,832$153
38Ford Explorer$1,834$153
39Toyota Highlander$1,840$153
40Ford Escape$1,844$154
41Toyota Venza$1,844$154
42Honda Odyssey$1,848$154
43Nissan Sentra$1,852$154
44Subaru Impreza$1,860$155
45Chevrolet Equinox$1,862$155
46Toyota RAV4$1,864$155
47Mazda MX-5 Miata$1,872$156
48Mazda MX-30$1,876$156
49Hyundai Tucson$1,880$157
50Chevrolet Traverse$1,888$157

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Idaho Falls, ID Zip Codes. Updated June 27, 2025

Top 50 cheapest vehicles to insure in Idaho Falls, ID with the Subaru Crosstrek ranking first at $1,492 per year
Top 50 cheapest vehicles to insure in Idaho Falls, ID with the Subaru Crosstrek ranking first at $1,492 per year

A table showing 50 ranked vehicles really is not a great way to present an overall view of Idaho Falls insurance rates. But considering we track over 700 vehicles, a lot of models get left out. Let’s dig deeper into the data and display the most affordable vehicles a more sensible way, by automotive segment.

The next section of this article goes into more detail about the cost of insurance based on different automotive segments. This will provide a decent idea of which types of vehicles have the overall best average car insurance rates. Then the six sections following the chart break out the vehicles with the cheapest insurance rates for the primary segments.

Average car insurance rates by automotive segment

When comparing new or used vehicles, it’s useful to know which types of vehicles are more affordable to insure.

As an example, maybe you’re wondering if compact cars have cheaper insurance than midsize cars or which size car has costs less to insure.

The next chart displays average auto insurance rates by segment in Idaho Falls. As a general rule, compact and midsize SUVs, vans, and midsize pickups tend to have the best rates, with luxury, performance, and sports cars having the most expensive average insurance cost.

Car insurance average cost by automotive segment in Idaho Falls, ID.
Figure 3: Car insurance average cost by automotive segment in Idaho Falls, ID. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Idaho Falls Zip Codes.

Car Insurance Rates by Automotive Segment in Idaho Falls, ID
Automotive Segment Annual Premium Cost Per Month
Compact SUV$1,858$155
Midsize SUV$1,996$166
Compact Car$1,996$166
Minivan$1,998$167
Midsize Pickup$2,040$170
Midsize Car$2,060$172
Compact Luxury SUV$2,192$183
Compact Luxury Car$2,222$185
Large SUV$2,230$186
Half-ton Pickup$2,240$187
Heavy Duty Pickup$2,322$194
Midsize Luxury SUV$2,400$200
Midsize Luxury Car$2,480$207
Sports Car$2,778$232
Large Car$2,906$242
Large Luxury SUV$3,128$261
Large Luxury Car$3,232$269

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Idaho Falls, ID Zip Codes. Updated June 27, 2025

Auto insurance rates by segment can be used for getting a ballpark comparison, but rates vary quite significantly within each of the segments listed in the above chart.

For example, in the midsize luxury SUV segment, Idaho Falls insurance rates range from the Jaguar E-Pace costing $1,890 per year for a full coverage policy up to the Mercedes-Benz AMG GLE63 at $3,408 per year, a difference of $1,518 within that segment.

As another example, in the sports car segment, average rates range from the Mazda MX-5 Miata costing $1,872 per year up to the Mercedes-Benz SL 63 at $4,154 per year.

In the sections going forward, we eliminate much of the variability by analyzing the cost of auto insurance in Idaho Falls for individual models.

Cheapest car insurance rates in Idaho Falls, ID

The three highest ranking cars with the cheapest insurance rates in Idaho Falls are the Toyota GR Corolla at $1,756 per year, the Nissan Leaf at $1,772 per year, and the Honda Civic at $1,790 per year.

Not the cheapest cars to insure, but still affordable, are cars like the Kia K5, Chevrolet Malibu, Honda Accord, and Toyota Prius, with average rates of $1,968 per year or less.

From a cost per month standpoint, auto insurance rates on this segment in Idaho Falls for the average driver starts at around $146 per month, depending on the company and your location.

When ranked by vehicle size, the lowest-cost compact car to insure in Idaho Falls is the Toyota GR Corolla at $1,756 per year. For midsize models, the Kia K5 is the cheapest model to insure at $1,948 per year. And for large cars, the Chrysler 300 has the cheapest car insurance rates at $1,924 per year.

The next table ranks the cars with the most affordable average car insurance rates in Idaho Falls, starting with the Toyota GR Corolla at $1,756 per year ($146 per month) and ending with the Mazda 3 at $2,090 per year ($174 per month).

Cheapest Insurance for Cars in Idaho Falls, Idaho
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,756$146
Nissan LeafCompact$1,772$148
Honda CivicCompact$1,790$149
Nissan SentraCompact$1,852$154
Subaru ImprezaCompact$1,860$155
Toyota PriusCompact$1,888$157
Kia K5Midsize$1,948$162
Honda AccordMidsize$1,952$163
Chevrolet MalibuMidsize$1,960$163
Toyota CorollaCompact$1,968$164
Kia ForteCompact$1,974$165
Volkswagen ArteonMidsize$1,986$166
Nissan VersaCompact$1,992$166
Subaru LegacyMidsize$1,994$166
Hyundai Ioniq 6Midsize$2,012$168
Mitsubishi Mirage G4Compact$2,040$170
Toyota CrownMidsize$2,044$170
Volkswagen JettaCompact$2,044$170
Hyundai SonataMidsize$2,048$171
Mazda 3Compact$2,090$174

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Idaho Falls, ID Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Idaho Falls, ID, with the Toyota GR Corolla ranking first at $1,756 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Idaho Falls, ID, with the Toyota GR Corolla ranking first at $1,756 per year.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Idaho.

Cheapest SUV insurance rates in Idaho Falls

The four highest ranking non-luxury SUVs with the lowest-cost auto insurance in Idaho Falls are the Subaru Crosstrek at $1,492 per year, Chevrolet Trailblazer at $1,518 per year, Kia Soul at $1,578 per year, and Nissan Kicks at $1,590 per year.

Not the cheapest SUVs to insure, but still affordable, are models like the Mazda CX-5, Toyota Corolla Cross, Ford Bronco Sport, and Buick Envision, with average annual insurance rates of $1,654 per year or less.

Ranking between positions 10 and 20, models like the Nissan Murano, Subaru Ascent, Buick Encore, Honda CR-V, and Honda HR-V average between $1,654 and $1,758 to insure per year in Idaho Falls.

Car insurance in Idaho Falls for this segment starts at around $124 per month, depending on your location and insurance company.

The cheapest non-luxury compact SUV to insure in Idaho Falls is the Subaru Crosstrek at $1,492 per year. For midsize models, the Honda Passport has the cheapest rates at $1,610 per year. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $1,898 per year.

The table below ranks the SUVs with the cheapest average auto insurance rates in Idaho Falls, starting with the Subaru Crosstrek at $124 per month and ending with the Subaru Ascent at $147 per month.

Cheapest Insurance for SUVs in Idaho Falls, Idaho
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,492$124
Chevrolet TrailblazerCompact$1,518$127
Kia SoulCompact$1,578$132
Nissan KicksCompact$1,590$133
Honda PassportMidsize$1,610$134
Buick EnvisionCompact$1,620$135
Toyota Corolla CrossCompact$1,628$136
Hyundai VenueCompact$1,642$137
Mazda CX-5Compact$1,648$137
Ford Bronco SportCompact$1,654$138
Volkswagen TiguanCompact$1,674$140
Nissan MuranoMidsize$1,700$142
Buick EncoreCompact$1,718$143
Subaru OutbackMidsize$1,722$144
Honda CR-VCompact$1,724$144
Buick EnvistaMidsize$1,728$144
Volkswagen TaosCompact$1,732$144
Kia NiroCompact$1,742$145
Subaru AscentMidsize$1,758$147
Honda HR-VCompact$1,760$147

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Idaho Falls, ID Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Idaho Falls, ID, with the Subaru Crosstrek ranking first at $1,492 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Idaho Falls, ID, with the Subaru Crosstrek ranking first at $1,492 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Idaho Falls car insurance quotes from top-rated companies in Idaho.

Cheapest sports car insurance rates in Idaho Falls, ID

Ranking at the top for the cheapest Idaho Falls car insurance rates in the sports car and performance segment are the Mazda MX-5 Miata, Subaru WRX, BMW Z4, Ford Mustang, and Toyota GR86. Auto insurance prices for these vehicles average $189 or less per month.

Additional models that have affordable insurance rates include the Lexus RC F, Toyota GR Supra, Subaru BRZ, and BMW M2, with average cost of $2,418 per year or less.

Car insurance rates in this segment for the average driver can cost as low as $156 per month, depending on your location.

The rate comparison table below ranks the twenty sports cars with the most affordable average auto insurance rates in Idaho Falls, starting with the Mazda MX-5 Miata at $1,872 per year and ending with the Porsche Taycan at $3,424 per year.

Cheapest Insurance for Sports Cars in Idaho Falls, Idaho
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$1,872$156
Toyota GR86Sports Car$2,130$178
Ford MustangSports Car$2,218$185
BMW Z4Sports Car$2,234$186
Subaru WRXSports Car$2,266$189
Toyota GR SupraSports Car$2,272$189
BMW M2Sports Car$2,336$195
Nissan ZSports Car$2,342$195
Lexus RC FSports Car$2,388$199
Subaru BRZSports Car$2,418$202
BMW M3Sports Car$2,554$213
Porsche 718Sports Car$2,602$217
Chevrolet CamaroSports Car$2,626$219
Chevrolet CorvetteSports Car$2,800$233
Porsche 911Sports Car$2,896$241
BMW M4Sports Car$3,016$251
Lexus LC 500Sports Car$3,032$253
Jaguar F-TypeSports Car$3,188$266
Mercedes-Benz AMG GT53Sports Car$3,344$279
Porsche TaycanSports Car$3,424$285

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Idaho Falls, ID Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Idaho Falls, ID, with the Mazda MX-5 Miata ranking first at $1,872 per year.
Ranking of the cheapest sports cars to insure in Idaho Falls, ID, with the Mazda MX-5 Miata ranking first at $1,872 per year.

Don’t see your sports car in the list? Not a problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Idaho.

Cheapest pickup truck insurance rates

The three top-ranked pickup trucks with the lowest-cost auto insurance rates in Idaho Falls are the Chevrolet Colorado at $1,780 per year, the Nissan Titan at $1,892 per year, and the Nissan Frontier at $1,910 per year.

Not the cheapest in the list, but still ranking well, are models like the Toyota Tacoma, Hyundai Santa Cruz, Honda Ridgeline, and GMC Canyon, with average cost of $2,080 per year or less.

From a monthly standpoint, car insurance in this segment for the average driver starts at around $148 per month, depending on the company and your location. The comparison table below ranks the pickups with the most affordable insurance rates in Idaho Falls, starting with the Chevrolet Colorado at $148 per month and ending with the Ram Truck at $195 per month.

Cheapest Insurance for Pickups in Idaho Falls, Idaho
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,780$148
Nissan TitanFull-size$1,892$158
Nissan FrontierMidsize$1,910$159
Ford RangerMidsize$1,932$161
Ford MaverickMidsize$1,962$164
Honda RidgelineMidsize$2,006$167
Hyundai Santa CruzMidsize$2,040$170
Toyota TacomaMidsize$2,048$171
GMC Sierra 2500 HDHeavy Duty$2,056$171
GMC CanyonMidsize$2,080$173
Jeep GladiatorMidsize$2,130$178
GMC Sierra 3500Heavy Duty$2,142$179
Chevrolet Silverado HD 3500Heavy Duty$2,162$180
Chevrolet Silverado HD 2500Heavy Duty$2,218$185
GMC SierraFull-size$2,232$186
Chevrolet SilveradoFull-size$2,234$186
Nissan Titan XDHeavy Duty$2,236$186
Ford F150Full-size$2,262$189
GMC Hummer EV PickupFull-size$2,318$193
Ram TruckFull-size$2,338$195

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Idaho Falls, ID Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Idaho Falls, ID, with the Chevrolet Colorado ranking first at $1,780 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Idaho Falls, ID, with the Chevrolet Colorado ranking first at $1,780 per year.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see insurance rates for your pickup? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Idaho.

Cheapest luxury cars to insure

Ranking highest for the lowest-cost Idaho Falls car insurance rates in the luxury car segment are the Acura TLX, Acura Integra, BMW 330i, Mercedes-Benz CLA250, and Lexus IS 300. Car insurance rates for these vehicles average $2,092 or less per year.

Not the cheapest luxury cars to insure, but still affordable, are cars like the Mercedes-Benz AMG CLA35, Cadillac CT4, Lexus RC 300, and Lexus ES 350, with an average cost to insure of $2,124 per year or less.

Additional vehicles that rank well include the BMW 330e, Lexus ES 300h, BMW 228i, and Jaguar XF, which cost between $2,124 and $2,266 per year to insure.

As a cost per month, car insurance rates in this segment starts at an average of $150 per month, depending on your location and insurance company.

If prices are ranked by vehicle size, the most budget-friendly compact luxury car to insure in Idaho Falls is the Acura Integra at $1,796 per year. For midsize luxury cars, the Mercedes-Benz CLA250 has the best rates at $2,080 per year. And for full-size luxury models, the Audi A5 is the cheapest model to insure at $2,402 per year.

The table below ranks the twenty cars with the cheapest insurance rates in Idaho Falls, starting with the Acura Integra at $150 per month and ending with the Audi S3 at $189 per month.

Cheapest Insurance for Luxury Cars in Idaho Falls, Idaho
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,796$150
BMW 330iCompact$2,058$172
Mercedes-Benz CLA250Midsize$2,080$173
Lexus IS 300Midsize$2,084$174
Acura TLXCompact$2,092$174
Lexus ES 350Midsize$2,110$176
Cadillac CT4Compact$2,112$176
Genesis G70Compact$2,116$176
Mercedes-Benz AMG CLA35Midsize$2,118$177
Lexus RC 300Midsize$2,124$177
Lexus IS 350Compact$2,132$178
Jaguar XFMidsize$2,140$178
Cadillac CT5Midsize$2,178$182
Lexus ES 250Midsize$2,188$182
Lexus RC 350Compact$2,192$183
BMW 330eCompact$2,196$183
BMW 228iCompact$2,200$183
BMW 230iCompact$2,216$185
Lexus ES 300hMidsize$2,220$185
Audi S3Compact$2,266$189

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Idaho Falls, ID Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Idaho Falls, ID, with the Acura Integra ranking first at $1,796 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Idaho Falls, ID, with the Acura Integra ranking first at $1,796 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Don’t see your luxury car in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Idaho Falls car insurance quotes from top-rated companies in Idaho.

Cheapest luxury SUV insurance rates

Taking the top ranking in Idaho Falls for cheapest auto insurance rates in the luxury SUV segment is the Acura RDX, costing an average of $1,692 per year. Second place is the Lexus NX 250 at $1,790 per year, the third most affordable is the Cadillac XT4, at an average of $1,824 per year, and in fourth place is the Jaguar E-Pace, at an average of $1,890 per year.

Not the cheapest to insure, but still ranked well, are luxury SUVs like the Lexus UX 250h, Lexus NX 350h, Lexus NX 450h, and Lincoln Corsair, with an average cost to insure of $1,950 per year or less.

Some additional 2024 luxury models on the list include the Infiniti QX60, Lexus NX 350, Land Rover Evoque, and Cadillac XT6, which average between $1,950 and $2,030 per year for auto insurance in Idaho Falls.

Full-coverage insurance in Idaho Falls for this segment starts at an average of $141 per month, depending on the company and where you live.

The most affordable compact luxury SUV to insure in Idaho Falls is the Acura RDX at $1,692 per year. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $1,890 per year. And for full-size luxury SUVs, the Infiniti QX80 is most affordable to insure at $2,266 per year.

The table below ranks the twenty luxury SUVs with the lowest-cost car insurance in Idaho Falls, starting with the Acura RDX at $1,692 per year and ending with the Lexus RX 350 at $2,030 per year.

Cheapest Insurance for Luxury SUVs in Idaho Falls, Idaho
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,692$141
Lexus NX 250Compact$1,790$149
Cadillac XT4Compact$1,824$152
Jaguar E-PaceMidsize$1,890$158
Cadillac XT5Midsize$1,908$159
Lexus NX 350hCompact$1,908$159
Lincoln CorsairCompact$1,932$161
Mercedes-Benz GLB 250Compact$1,936$161
Lexus UX 250hCompact$1,940$162
Lexus NX 450hCompact$1,950$163
Infiniti QX50Midsize$1,964$164
Mercedes-Benz GLA250Compact$1,972$164
Mercedes-Benz GLA35 AMGCompact$1,976$165
Cadillac XT6Midsize$1,978$165
Infiniti QX60Midsize$1,990$166
Mercedes-Benz AMG GLB35Midsize$1,992$166
Land Rover EvoqueCompact$2,018$168
Acura MDXMidsize$2,022$169
Lexus NX 350Compact$2,026$169
Lexus RX 350Midsize$2,030$169

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Idaho Falls, ID Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Idaho Falls, ID, with the Acura RDX ranking first at $1,692 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Idaho Falls, ID, with the Acura RDX ranking first at $1,692 per year.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see your luxury SUV in the list? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Idaho.

Money-saving tips for finding cheaper auto insurance

Drivers should always be thinking of ways to pay less for insurance So review the money-saving tips in this next list and it’s very likely you can save some money when buying car insurance.

  • Avoiding accidents makes for cheaper car insurance in Idaho Falls. Too many at-fault accidents can cost more, potentially as much as $974 per year for a 30-year-old driver and as much as $608 per year for a 50-year-old driver. So drive safe and save money!
  • Shop around for a better deal. Setting aside a few minutes to get a few free car insurance quotes is the best way to save money. Rates change more often that you might think and you do not have to wait for your renewal to change companies.
  • Find cheaper rates by qualifying for policy discounts. Discounts may be available if the policyholders insure multiple vehicles on the same policy, drive low annual mileage, are good students, belong to certain professional organizations, or many other policy discounts which could save the average Idaho Falls driver as much as $342 per year on car insurance.
  • Compare rates before you buy the car. Different cars, trucks, and SUVs can have significantly different car insurance rates, and insurance companies can sell policies with a wide range of prices. Get plenty of quotes to compare the cost of insurance before you upgrade you car in order to avoid any surprises when you get the bill.
  • Bring up your credit score and save. Having a credit score above 800 may save $317 per year when compared to a credit rating of 670-739. Conversely, a diminished credit rating could cost up to $368 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Your choice of occupation could lower your rates. Many car insurance companies offer policy discounts for working in professions like engineers, lawyers, scientists, accountants, architects, high school and elementary teachers, and others. If you qualify, you may save between $61 and $196 on your annual car insurance cost.
  • Buy vehicles with cheaper insurance. Vehicle type has a significant impact on the price you pay for car insurance. For example, a Kia Sportage costs $1,954 less per year to insure in Idaho Falls than a Nissan GT-R. Drive lower performance vehicles and save money.