Free Idaho Car Insurance Quotes
Looking for car insurance in Idaho? Whether you’re comparing quotes, moving to the Gem State or reviewing your current coverage, understanding Idaho’s insurance requirements, coverage options and average costs can help you make informed decisions. Farmers Flex® Personal Auto offers flexible coverage options designed for how you drive. Get a free car insurance quote in Idaho today.
What is the minimum car insurance required in Idaho?
Idaho law requires drivers to carry the following minimum coverage types (often shown as 25/50/15):
Coverage
Minimum
Why it matters
Bodily injury liability (BI)
$25,000 per person/$50,000 per accident
Helps pay for injuries you cause to others while driving
Property damage liability (PD)
$15,000 per accident
Helps pay for repairing or replacing others’ property you damage while driving
Coverage
Bodily injury liability (BI)
Minimum
$25,000 per person/$50,000 per accident
Why it matters
Helps pay for injuries you cause to others while driving
Coverage
Property damage liability (PD)
Minimum
$15,000 per accident
Why it matters
Helps pay for repairing or replacing others’ property you damage while driving
According to the Idaho Department of Insurance, drivers are required to carry at least the minimum amounts of bodily injury liability and property damage liability coverage. Uninsured/underinsured motorist (UM/UIM) coverage must be offered by your insurer but may be declined in writing — it is not required.
Additional Idaho auto insurance coverages to consider
A Farmers Flex Personal Auto policy goes beyond the basics, offering a wide range of optional coverages and features to help you tailor your policy to suit the way you drive.
Comprehensive
Comprehensive coverage, also known as “other than collision” coverage, can help pay for losses or damage to your car caused by theft, vandalism, hail, wind, fire, animals and more. Idaho’s open roads and wildlife — including deer, elk and moose — make this coverage worth considering for many drivers.
Uninsured/underinsured motorist (UM/UIM)
UM/UIM coverage can help pay for your medical costs if you’re hit by a driver who doesn’t have insurance or doesn’t have enough to cover your expenses. Idaho insurers must offer this coverage, but you may decline it in writing.
Read more about other optional policy features and coverages:
- Accident forgiveness
- Declining deductibles
- Enhanced roadside and ride assistance
- Vehicle replacement plus
- Rental coverage or rental alternative coverage
- New original parts
- $100 glass deductible
How much is car insurance in Idaho?
Idaho drivers paid an average of $981 a year for auto insurance, well below the national average of $1,438, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums have changed in most states since that data was collected. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.
Ways to save money on Idaho car insurance
Farmers® offers a variety of discounts for eligible drivers in Idaho. A few examples of how you might lower your premium:
Multi-Vehicle Discount
If you insure more than one vehicle on your Farmers policy, you may qualify for a discount on each. It’s one of the simplest ways for households with multiple cars to reduce their overall insurance costs.
Welcome Discount
New to Farmers? You may qualify for a discount just for switching to a Farmers auto policy. It’s one of the easiest ways to start saving from day one.
Loyalty Discount
The longer you stay with Farmers, the more you may save. Loyal customers who maintain continuous coverage may qualify for a discount that grows over time.
Five Year Accident-Free Discount
If you’ve gone five years without an at-fault accident, you may qualify for this discount — a reward for your consistent safe driving on Idaho’s roads.
Youthful Driver Discount
Adding a young driver to your policy can raise your premium, but if they’re a student who maintains good grades, they may be eligible for a discount that helps offset that increase.
Signal®
Signal is Farmers’ safe driving app that can reward you with an initial discount just for signing up, plus additional savings based on your driving behavior. It’s a straightforward way to turn safe habits on Idaho roads into lower rates.
Idaho auto insurance bundling discounts and benefits
Bundling insurance can help you save money and time — and avoid accidental gaps in coverage. Bundling a Farmers car and home policy can save you up to 10% or more off both. Beyond the savings, bundling simplifies your insurance. You’ll have one insurer and one point of contact if you ever need to file a claim. To explore even more bundling options — including condo, RV, life and umbrella policies — talk to a Farmers agent about how much you could save.
Factors that affect your Idaho car insurance rates
While every insurer uses its own rating methods, premiums are often based on your level of risk, the vehicle you drive and where you live. You may be able to lower your premium by maintaining a safe driving record, choosing a higher deductible, qualifying for discounts or bundling your auto policy with other insurance coverage.
Factors that may affect your car insurance rate in Idaho include:
- Your age and driving experience
- Your driving record and claims history
- The type, value and safety features of your vehicle
- How much you drive each year
- Your ZIP code and local accident or theft rates
- The coverage limits and deductible you choose
- Available discounts, such as bundling policies
How to get an auto insurance quote in Idaho
Have this information at your fingertips to help make getting an Idaho car insurance quote quick and easy. You can start a free quote online with Farmers FastQuote® or connect with a local Farmers agent.
Drivers and household details
- Name and date of birth
- Address and phone number
- Driver’s license number
- Household occupants (drivers and nondrivers), ages and driving history
- Commute, including how many miles, how often, what hours
- Current insurance information
Vehicle information
- Make, model and year
- License plate number
- Vehicle identification number (VIN)
- Current mileage/odometer reading
- Purchase date
- Loan or lease documentation (if applicable)
Fun fact: The Leata
Idaho once had its own car brand. From 1975 to 1977, Don Stinebaugh of Post Falls and his sons built the Leata Cabalero, hand-making all the parts except the engine and drivetrain. Stinebaugh named it after his wife. Stinebaugh tried again in 1979 with two new roadster models, though neither caught on commercially. — Coeur d’Alene Press
Idaho car insurance FAQs
Is Idaho a no-fault state?
No. Idaho is an at-fault state, which means the driver who causes an accident is responsible for the resulting injuries and property damage. That’s different from no-fault states, where personal injury protection (PIP) coverage can help pay certain costs like medical expenses after an accident, regardless of who caused it. Idaho doesn’t require PIP, but insurers must offer it, and many drivers choose to carry it for faster, no-fault access to medical and lost-wage benefits. Medical payments (MedPay) coverage also is available as an optional add-on to help pay medical costs for you or your passengers after a covered accident, regardless of fault. If you’re found responsible for an accident in Idaho, the at-fault system means it’s important to consider how much liability coverage is enough to help protect your finances.
Do I need to update my insurance if I move to Idaho?
Yes. If you’re moving to Idaho, you’ll need to update your auto insurance to meet Idaho’s minimum coverage requirements. Contact your current insurer to update your garaging address, since rates and coverage requirements vary by state. According to the Idaho Transportation Department, vehicles registered in Idaho must carry proof of insurance that meets state minimums. After moving to Idaho, you have 90 days to get your vehicle registered and your license updated.
What are the average insurance costs in major Idaho cities like Boise, Nampa, Meridian and Idaho Falls?
The cost of car insurance in Boise, Nampa, Meridian or Idaho Falls can vary by ZIP code, driver profile, vehicle, coverage, available discounts and your limits or deductible. The most recent NAIC Auto Insurance Database Report shows that Idaho drivers paid an average of $981 per year for auto insurance. NAIC reports use insurer-reported data and do not track city-specific insurance rates. Although some third-party insurance marketplaces publish city-level estimates, the information is typically based on sample profiles or modeled data rather than official city averages.
What are the benefits of comprehensive coverage for drivers in high-risk wildlife areas like Idaho?
Idaho’s rural highways and mountain roads put drivers at higher-than-average risk for colliding with deer, elk, moose and other wildlife, especially at dawn and dusk. Comprehensive coverage helps cover damage to your car or truck if you hit an animal; collision insurance does not. If your vehicle is financed or leased, your lender may require comprehensive coverage. Consider weighing potential repair costs against the comprehensive premium, particularly if you drive rural routes in Idaho regularly.
How does car insurance coverage work for different types of vehicles?
Standard auto insurance covers passenger vehicles, but other types of vehicles, including motorcycles, RVs, ATVs and trailers, typically require separate or specialized coverage. Farmers offers insurance options for many vehicle types beyond the standard auto policy. If you have questions about coverage for a specific vehicle, a Farmers agent can help you find the right fit.
Get an Idaho car insurance quote online today and compare coverage options to find the right balance of protection and savings.
Learn From Experience
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