The great state of Idaho is a relatively affordable place to drive and insure a vehicle in America. And fortunately, you won’t have to hunt too long to find the perfect coverage for your needs. Start your journey toward cheap car insurance in Idaho by clicking to get a free quote from Cheap Insurance today.

Idaho Vehicle Code Changes and Insurance Insights 2024

  • 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 Rates in Idaho (2024):

(Sources: ValuePenguin, The Zebra)


Minimum Coverage

Full Coverage

State Farm















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

Quick Idaho Car Insurance Facts

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

  • 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.
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Minimum Idaho Car Insurance Coverage

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 In Idaho

Looking for tips on finding cheap car insurance 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, so it’s best to start there when you’re on a budget.

Compare several insurance firms: Shop around to find the best rates and coverage options—every car insurance provider has different offerings.

Be a defensive driver: Stay on the defense to avoid car accidents and traffic violations, which could raise your monthly car insurance rates.

Idaho insurance programs: Qualifying for state programs could provide you with a discount on car insurance.

Idaho Car Insurance Discounts

Here are a few Idaho car insurance discounts to look out for as you shop for cheap car insurance.

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

Good Student: Young drivers may qualify for discounted car insurance if they get good grades.

Idaho Car Insurance FAQs

What is the average car 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 car insurance per month in Idaho?

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

What is the penalty for driving without 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 my car insurance policy in Idaho?

Check out these ways to save money on your car insurance coverage in Idaho:

Ask about discounts for insuring several cars.

  • Ask about student drivers and good driver discounts.
  • Ask about discounts for safety and anti-theft devices.
  • Ask about paying in installments.
  • Ask about higher deductible plans.

Other Types of Coverage

Is minimum car insurance coverage inadequate for your needs? Consider the following coverage options:

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

Medical Payments Coverage

Physical Damage Coverage

Endorsements and Riders