Idaho Car Insurance

Whether you’re heading to the Salmon River to fish or commuting into Boise for work, a Farmers FlexSM Personal Auto policy offers new coverage options designed for how you drive today, so you can choose the insurance you want. New discounts can help you save even more.

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

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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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