What is the average cost of car insurance in Idaho?
Idaho drivers paid an average of $832 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history and the car you drive.
What auto insurance is mandatory in Idaho?
A car insurance policy with a minimum amount of liability coverage is required in Idaho, as it is in almost all states. However, minimum coverage may not be the full extent of coverage you want.
As of March 2023, 25/50/15 liability coverage limits are the minimum required in Idaho.
COVERAGE TYPE
IDAHO MINIMUM REQUIREMENTS
Bodily injury liability
$25,000 per person; $50,000 per accident
Property damage liability
$15,000 per accident
COVERAGE TYPE
Bodily injury liability
IDAHO MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Property damage liability
IDAHO MINIMUM REQUIREMENTS
$15,000 per accident
What does car insurance typically cover in Idaho?
A typical car insurance policy in Idaho includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.
Farmers® also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance and other coverages. Read more about coverage options in Idaho with a Farmers Flex Personal Auto policy.
Idaho auto insurance discounts
Farmers offers a variety of discounts for drivers in Idaho. For example:
- Welcome Discount
- Loyalty Discount
- Five-Year Accident-Free Discount
- Multi-Policy Discount
- Signal®, which can reward you with an initial discount when you use our Signal app
See more information about additional discounts that may be available in Idaho.
Hells Canyon National Recreation Area
The Snake River carved North America’s deepest river gorge along Idaho’s border with Washington and Oregon. Despite the area’s name, there is no geographic location known as Hells Canyon; the remote and dramatic region is part of the Wallowa-Whitman National Forest. — U.S. Forest Service
More coverage options in Idaho
Idaho home insurance
Learn more about what home insurance in Idaho covers, available discounts and more.
View home insurance coverage details and discounts for Idaho
Learn From Experience
Still have questions about cars and car insurance in Idaho? We have answers.
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What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too
What Is Uninsured Motorist Coverage?
No matter where you live, some drivers will inevitably fail to buy insurance or allow their insurance to expire. Uninsured motorist or UM coverage provides coverage in these situations.
