Cheap Car Insurance Rates in Idaho (2023)

Compare Auto Insurance Rates in Idaho

Idaho Auto Insurance

Auto insurance in Idaho is unlike other states because it's the state legislature that sets the laws on everything from policy minimums to required coverage. Those looking for cheap auto insurance in Idaho should learn more about available policies and Idaho driving laws.    

Car Insurance Requirements in Idaho

Idaho car insurance laws have higher minimum coverage requirements than other states. For a single accident, drivers are required to have the following Idaho minimum auto insurance requirements:

  • $25,000 bodily injury per person
  • $15,000 of property damage liability
  • $50,000 bodily injury (all persons)
  • $25,000/$50,000 uninsured/underinsured motorist coverage

Idaho laws also require drivers to either opt for $25,000/$50,000 uninsured/underinsured motorist coverage. However, drivers are allowed to waive this requirement by signing a form.

Is Idaho a No-Fault State?

No. Drivers in Idaho are required to pay for bodily injury and property damage to the other party if they cause an accident.


<zipcode>Find The Cheapest Auto Insurance In Idaho:</zipcode>


Car Insurance Prices in Idaho

Idaho drivers pay different car insurance prices based on a number of factors. Location, lifestyle, age, driving history, and credit score are just a few things that car insurance companies consider. The range can be anywhere from $800 to over $5,000 a year.


<qa>1;Car Insurance for Young Drivers, New Drivers and Teen Drivers;Car insurance for 16-18 year olds in Idaho will pay higher premiums due to their lack of experience. The average quote is between $2,600 and $2,900. Checking different insurers can help families save money, but there may not too much leeway across the board.</qa>

<qa>2;Car Insurance for Students (18 - 24-year-olds) in Idaho;Idaho car insurance will vary based on the student's record as well as their driving history. However, the standard rule is that new students around 18 and 19 will see higher rates around $2,500 or more. Women will pay slightly less than men in Idaho. Those in their 20s will start to see rates drop to around $1,400 or so.</qa>

<qa>3;Car Insurance for 24+ Year Olds in Idaho;The average cost of car insurance will be around $1,000. This rate will drop even lower as drivers enter their 40s and 50s.</qa> 

<qa>4;Car Insurance for 55 (and Over) in Idaho;The average rates for those 55 and over will be around $900. However, rates will start to rise again once to over $1,000 once drivers hit their 70s.</qa> 

<qa>5;Car Insurance for Veterans in Idaho;Veterans in Idaho are eligible for discounts in their states. Individual carriers will offer their own savings and discounts, so veterans should compare values before choosing.</qa>


AgeMost Popular VehicleGenderMost Common City
18 - 24ChevroletMale - 49% | Female - 51%Boise
25 - 54FordMale - 44% | Female - 56%Boise
55 - 64FordMale - 41% | Female - 59%Boise
65 +FordMale - 46% | Female - 54%Boise

* This information is based on users.

Auto Insurance for Good Drivers

Good drivers are less likely to get into accidents on the road, which means they'll pay lower rates. Following the rules of the road, taking driving classes, and being cautious can really pay off.

Auto Insurance for Bad Drivers

All drivers are prone to making errors on the road, and some are caught more often the others. The more road violations or accidents you have, the more you'll pay for your insurance. All insurers have their own rules, so understanding your policy can make it easier to choose the right one for you.

Traffic Violations and Fines in Idaho

The fee for each ticket in Idaho is determined by the city or township in which the infraction occurs. In the larger cities, you'll pay around $50 – $100 for a speeding ticket, depending on how fast you were going at the time the officer clocked you. You can incur up to 3 points on your license for speeding. Reckless driving in Idaho can incur fines of up to $1,000 and six months in jail. They can also revoke your driving privileges.

Driving While High Laws in Idaho

Idaho is a state with little tolerance for marijuana. If the officer finds any amount of marijuana on your person under 3 ounces, you're at risk of being charged up to $1,000 in fines with up to a year in jail.

Driving Without Car Insurance in Idaho

Drivers without car insurance in Idaho are charged a fine between $75 – $1,000. They're also required to prove financial responsibility to the courts for a full year.

Texting and Driving in Idaho

Distracted driving rules are broad in Idaho. Cell phone use while driving is prohibited, but eating while driving is not specifically named as a violation. However, an officer can still cite you if they feel any activity distracted you and put you or others in danger on the road.


<twitter>Idaho Falls won't let you drive a motorcycle if you happen to be over the age of 88.</twitter>


Idaho Car Accidents

In 2016, car accidents in Idaho totaled 25,328. According to recent car accident statistics, this was a 5.5% increase from 2015.

Reasons for Car Accidents in Idaho

Poorly executed lane changes, distracted driving, and speeding were the biggest causes for accidents. Property damage crashes accounted for 64% of all accidents. There was a 17% increase in fatalities between 2015 and 2016. Pedestrian crashes were less than 1%.

Car Accident Statistics by Vehicle Type in Idaho

Most of the accidents were caused by four-wheel vehicles (including vans and SUVs). In 2016, motorcycles accounted for 1.5% of crashes and bicycles accounted for 1.2%.

Car Accidents in Idaho - More Facts

A pedestrian was injured in a crash every 35.3 hours. Crashes peak on Fridays in Idaho. Driving too close was the cause of 19% of all crashes. Wild animals cause 13% of all crashes.

Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Idaho

  • Inattentive driving is a more serious crime than distracted driving.
  • Some people have proposed banning pets in cars under the distracted driving law (though most believe this law won’t be passed).


Looking for Auto insurance in Idaho? Compare Between Relevant Insurance Quotes And Save Money Using Pretected’s "Smart Match":


<zipcode>Find The Cheapest Auto Insurance In Idaho:</zipcode>