The great state of Idaho is a relatively affordable place to drive and insure a vehicle in America. Fortunately, you won’t have to hunt too long to find affordable car insurance quotes. Start your journey toward cheap car insurance in Idaho.

Idaho Vehicle Code Changes and Insights For Cheap Car Insurance

  • Durable RV registration stickers: New and improved stickers made from a familiar material will be available starting this month for all 2024 RV registration renewals. (Source: Idaho Department of Transportation)
  • Clarification on electric vehicle (EV) incentives: Existing tax credits and other incentives for EV purchases remain in effect. Stay updated through the Idaho Department of Environmental Quality. (Source: Idaho Department of Environmental Quality)
  • Potential changes to nonresident hunting and fishing regulations: New rules for nonresident tags and quotas may be implemented in April 2024. Follow updates from the Idaho Fish and Game department. (Source: Idaho Fish and Game)

Remember: These are just highlights, and other changes may apply. Visit the Idaho Transportation Department website for complete information. (Source: Idaho Transportation Department)

Average Auto Insurance Quotes in Idaho (2024):

(Sources: ValuePenguin, The Zebra)

Company

Minimum Coverage

Full Coverage

State Farm

$168

$425

Geico

$163

$382

Progressive

$174

$367

Farmers

$185

$409

USAA

$192

$418

Remember: Individual rates can vary significantly based on your driving history, location, vehicle type, and desired coverage.

Quick Car Insurance Facts

Finding cheap auto insurance in Idaho starts with knowing the a few facts. Here’s a quick look at some car insurance related laws and statistics:

  • Drivers in Idaho must carry a minimum of $25,000 for bodily injury for one person, $50,000 for total bodily injury, and $15,000 for property damage.
  • All drivers must have uninsured motorist coverage equal to the amount of chosen bodily injury coverage.
  • Violation of Idaho’s car insurance laws could lead to a $1,000 fine or six months in jail.
  • About 13% of Idaho drivers are uninsured, ranking the state as 20th in the nation for uninsured drivers.
  • There are about 1.2 million licensed drivers in Idaho.
  • Approximately 224 people die in car accidents in Idaho every year.
idaho car insurance, cheap car insurance quotes

Minimum Car Insurance Coverage Requirements in Idaho

Every Idaho driver must carry liability car insurance that meets minimum state law requirements. Coverage minimums are as follows:

Bodily injury: $25,000 for the death or injury of one other person

Bodily injury: $50,000 total for death or injury of all affected people

Property damage: $15,000 for property damage, including vehicles and stationary objects

Getting Cheap Car Insurance Quotes In Idaho

Looking for tips on finding cheap car insurance quotes in Idaho? The process can be easy when you use the following techniques:

Start with the minimum: Minimum car insurance is cheaper than full coverage car insurance, so it’s best to start there when you’re on a budget.

Compare several insurance companies: Shop around to find the best inexpensive car insurance quotes.

Be a defensive driver: Stay on the defense to avoid car accidents and traffic violations.

Idaho insurance programs: Qualifying for state programs can provide cheaper car insurance rates.

Automobile Insurance Discounts

Here are a few car insurance discounts to get cheap auto insurance quotes.

Good Driver: Drivers with a good record qualify for cheaper car insurance quotes than those who have received several tickets or been in car accidents.

Good Student: Young drivers qualify for a car insurance discount if they have good grades.

Auto Insurance FAQs

What is the average auto insurance cost in Idaho?

Idaho car insurance coverage costs an average of $722 annually, which is the 47th highest rate in the nation.

How much is automobile insurance per month in Idaho?

Car insurance in Idaho costs an average of $60 per month.

What is the penalty for driving without vehicle insurance in Idaho?

Those who drive uninsured in Idaho could face a $1,000 fine or spend up to six months in jail.

What is driving like in Idaho?

Approximately 13% of Idaho drivers do not have car insurance. There are more than 1.2 million licensed drivers in Idaho and about 224 fatal car accidents annually.

How can I save money on car insurance in Idaho?

Check out these ways to save money on auto insurance in Idaho:

Ask about discounts for insuring several cars.

  • Student drivers and good driver discounts.
  • Discounts for safety and anti-theft devices.
  • Paying all upfront.
  • Higher deductible plans.

Types of Additional Vehicle Insurance Coverages

Is minimum car insurance coverage inadequate? Consider the following coverage additions:

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)

Medical Payments Coverage

Physical Damage Coverage

Endorsements and Riders