Average Cost of Car Insurance in Idaho

Car insurance is necessary, with the average American paying $1,771 annually, or $148 monthly. In the U.S., nearly 215 million drivers have car insurance, contributing to a $316 billion industry as of 2022. Average Cost of Car Insurance in Idaho is also part of this nationwide trend. Households spend about 2.57% of their income on auto insurance.

Despite this, motor vehicle crashes cost nearly $1 trillion annually, with over 10 million crashes going unreported each year, often due to uninsured driving. Approximately 6% of drivers are uninsured, highlighting a significant issue in road safety and financial loss.

Idaho Car Insurance Rates by City

Having car insurance is crucial and not something you can avoid. While it may be expensive, you can reduce your cost in various ways based on age, gender, credit score, driving history, etc. One such factor is your zip code, the place you live. So, you can get a good deal if you live in a safe place where accidents, vandalism, natural disasters, theft, etc., are low.

The same is the case for Idaho. In Idaho, car insurance costs depend on various factors, including age, driving history, claims record, and ZIP code. On average, full coverage in Idaho costs $1,339 annually, while minimum coverage is $345. Research shows that Boise and Meridian offer some of the cheapest full coverage rates in the state, averaging 9% less than the state average. Knowing these averages can help you find the best insurance deals in your area.

City	Avg. monthly full coverage premium	Avg. annual full coverage premium
Plummer	$122	$1,468
Porthill	$125	$1,505
Priest River	$124	$1,494
Sagle	$124	$1,483
Spirit Lake	$120	$1,436
Post Falls	$115	$1,375
Smelterville	$120	$1,445
Troy	$115	$1,377
Viola	$116	$1,392
Castleford	$109	$1,312
Hailey	$112	$1,343
Hill City	$113	$1,360
Idaho Falls	$118	$1,411
Tetonia	$121	$1,448
North Fork	$119	$1,426
Lucile	$118	$1,417
Greenleaf	$111	$1,326
Hammett	$108	$1,299
Lake Fork	$115	$1,375
Boise	$102	$1,229
Elk River	$120	$1,438
Harrison	$119	$1,432
Nordman	$124	$1,486
Medimont	$120	$1,437
Moscow	$114	$1,373
Naples	$125	$1,494
Genesee	$115	$1,378
Hayden	$117	$1,400
Osburn	$120	$1,439
Fernwood	$121	$1,456
Orofino	$123	$1,476
Riggins	$121	$1,448
Caldwell	$112	$1,341
Garden Valley	$112	$1,348
Homedale	$113	$1,362
Idaho City	$113	$1,355
Meridian	$103	$1,238
New Meadows	$115	$1,376
New Plymouth	$110	$1,314
Blackfoot	$119	$1,428
Malad City	$116	$1,395
May	$118	$1,414
Rockland	$115	$1,376
Rogerson	$109	$1,310
Buhl	$109	$1,314
Murtaugh	$110	$1,321
Lewisville	$119	$1,425
Newdale	$117	$1,407
Rexburg	$116	$1,391
Craigmont	$122	$1,466
Greencreek	$121	$1,452
Lapwai	$116	$1,393
Nezperce	$122	$1,459
Bayview	$123	$1,480
Pierce	$124	$1,484
Weippe	$123	$1,477
Winchester	$122	$1,469
Parma	$108	$1,297
Nampa	$110	$1,321
Careywood	$124	$1,487
Clark Fork	$123	$1,480
Coeur D Alene	$115	$1,385
Kingston	$120	$1,445
Rathdrum	$118	$1,417
Saint Maries	$123	$1,476
Wallace	$119	$1,427
Pinehurst	$120	$1,443
Worley	$119	$1,433
Bancroft	$116	$1,390
Conda	$117	$1,406
Ponderay	$124	$1,491
Hansen	$110	$1,321
Heyburn	$111	$1,329
Jerome	$110	$1,319
Kimberly	$111	$1,333
Malta	$112	$1,339
Wendell	$109	$1,309
Iona	$118	$1,415
Elk City	$120	$1,435
Fenn	$119	$1,429
Lenore	$119	$1,431
Calder	$120	$1,440
Coolin	$124	$1,485
Desmet	$120	$1,445
Laclede	$124	$1,487
Pocatello	$115	$1,380
Atomic City	$118	$1,419
Ellis	$115	$1,381
Cataldo	$118	$1,421
Oldtown	$123	$1,481
Deary	$116	$1,388
Princeton	$115	$1,376
Silverton	$120	$1,443
Mountain Home	$104	$1,245
Mountain Home AFB	$106	$1,268
Sweet	$110	$1,316
Cocolalla	$124	$1,487
Harvard	$114	$1,365
Kootenai	$124	$1,488
Moyie Springs	$125	$1,498
Aberdeen	$116	$1,395
Basalt	$120	$1,440
Bern	$116	$1,397
Clifton	$117	$1,402
Inkom	$114	$1,373
Lava Hot Springs	$115	$1,381
Mackay	$115	$1,384
Moore	$116	$1,392
Saint Charles	$116	$1,392
American Falls	$114	$1,370
Arimo	$116	$1,391
Corral	$113	$1,358
Paul	$111	$1,331
Rupert	$111	$1,332
Sun Valley	$112	$1,344
Ashton	$118	$1,412
Chester	$117	$1,402
Felt	$120	$1,434
Parker	$117	$1,407
Rigby	$119	$1,426
Leadore	$119	$1,430
Salmon	$119	$1,429
Ahsahka	$123	$1,474
Juliaetta	$115	$1,383
Kooskia	$121	$1,454
Challis	$116	$1,392
Soda Springs	$115	$1,385
Holbrook	$117	$1,402
Howe	$117	$1,398
Montpelier	$116	$1,393
Bloomington	$116	$1,391
Cobalt	$118	$1,419
Dingle	$117	$1,402
Firth	$120	$1,445
Geneva	$116	$1,396
Grace	$115	$1,383
Swanlake	$115	$1,386
Thayne	$115	$1,380
Wendell	$109	$1,309
Parker	$117	$1,407
Georgetown	$116	$1,396

Also Read: Can Paying Car Insurance Monthly Hurt Your Finances

Average Car Insurance Costs by Age and Gender in Idaho

After your zip code, another significant factor impacting car insurance premiums is age and gender. Younger drivers, especially teens, often face higher premiums due to their lack of experience and higher risk of accidents. Rates typically decrease as drivers gain more experience, particularly after age 25.

Gender also plays a role, with young male drivers generally paying more than their female counterparts due to statistically higher accident rates. However, this difference often diminishes with age. Insurers use these demographics to assess risk and determine premiums, making age and gender crucial in calculating car insurance costs.

The table below displays teen rates on their parents’ policy, as most drivers under 18 do not qualify for an individual policy. Older drivers with their policy typically enjoy lower rates due to their greater driving experience and statistically lower likelihood of being involved in an accident.

Age	Male		Female
	Average annual full coverage premium in ID	Average minimum coverage premium in ID	Average annual full coverage premium in ID	Average minimum coverage premium in ID
16	$2,953	$847	$2,619	$784
18	$4,355	$1,329	$3,863	$1,154
20	$3,231	$866	$2,742	$772
25	$1,783	$454	$1,607	$437
30	$1,470	$366	$1,404	$367
40	$1,356	$343	$1,322	$347
50	$1,244	$325	$1,158	$326
60	$1,200	$321	$1,168	$318
70	$1,338	$377	$1,292	$368

Car Insurance Rates in Idaho by Credit Score

In some states, car insurance companies cannot use your credit history to determine your premium, but Idaho is not one of them. In Idaho, your credit score does impact your car insurance rate. An excellent credit history can earn you a rate below the state average because actuarial data shows drivers with good credit tend to file fewer claims. Conversely, poor credit is associated with a higher likelihood of claims, leading to higher insurance costs.

Credit Tier	Avg. Annual Premium in ID	Percentage Difference from ID Avg. Annual Premium
Poor	$1,997	+49%
Average	$1,419	+6%
Good	$1,339	0%
Excellent	$1,209	-10%

Cheapest Car Insurance Companies in Idaho

Finding the best car insurance company in Idaho depends on your priorities. If financial strength is key, you’ll want a provider known for reliable claims payouts. For tech-savvy users, 24/7 mobile and online capabilities might be crucial. Once you identify what matters most, you can select a company that fits your needs.

If affordability is your priority, American National, USAA, and Geico offer some of the cheapest rates for minimum and full coverage in Idaho. However, since insurance pricing varies based on many factors, getting quotes from multiple providers for the same coverage types and policy limits is essential, allowing you to compare and find the best deal.

Beem can be an ideal partner in this process. As a marketplace for insurance policies, Beem helps you find the best policies at the lowest prices. Here’s why Beem stands out:

Car Insurance that Everyone Can Afford

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With Beem, you can compare options from top providers like Progressive and Geico, ensuring you get all available discounts and the best rates tailored to your needs.

Also Read: Is Usage-Based Car Insurance Right for You?

Cost for Driving Record  in Idaho

Having incidents such as tickets, accidents, and DUIs on your driving record may categorize you as a high-risk driver in the eyes of insurance companies. The higher the perceived likelihood of you filing a claim, the more likely your premium will be above average.

DUI convictions, in particular, can significantly impact the cost and availability of coverage, as not all insurers are willing to provide policies for drivers with such convictions. Moreover, you may require an insurer that offers SR-22 certificates to meet legal requirements.

At-fault accident

An at-fault accident occurs when a driver is deemed responsible for a collision. It demonstrates a higher risk of future claims, prompting insurers to raise premiums. In Idaho, an at-fault accident leads to an average annual premium of $1,772, reflecting a significant increase from the state average.

Speeding ticket

A speeding ticket occurs when a driver exceeds the legal speed limit. It suggests a propensity for risky driving behavior, leading insurers to raise rates due to the increased likelihood of future claims. In Idaho, a speeding ticket results in an average annual premium of $1,553, representing a 16% increase from the state average.

DUI

A DUI, or Driving Under the Influence, occurs when a driver operates a vehicle while impaired by alcohol or drugs. It poses severe risks to drivers and others on the road, leading insurers to impose the highest premiums. In Idaho, a DUI conviction results in an average annual premium of $2,184, representing a substantial 63% increase from the state average.

How Much is Car Insurance for Good and Poor Credit Scores in Idaho?

In Idaho, auto insurance rates vary based on credit score. The average annual premium for those with good credit is around $1,339. Conversely, individuals with poor credit face higher premiums, with an average yearly cost of approximately $1,997. It reflects a notable 49% difference compared to those with good credit. A good credit history can lead to significant savings on car insurance premiums in Idaho.

Conclusion

Auto insurance is essential for responsible car ownership since it offers financial security against future collisions and liabilities. There are ways to reduce expenses by making informed decisions and keeping a spotless driving record, even if premiums vary according to area, driving history, age, gender, and credit score. With Beem, you can easily compare insurance plans and get the best deals catered to your needs.

By utilizing Beem’s platform, drivers can make well-informed selections and acquire cost-effective coverage without sacrificing dependability or quality. Remember that purchasing the appropriate insurance is an investment in your financial security and peace of mind when driving.

FAQs on Average Cost of Car Insurance in Idaho