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Kailey Hagen has been writing about small businesses and finance for almost 10 years, with her work appearing on USA Today, CNN Money, Fox Business, and MSN Money. She specializes in personal and business bank accounts and software for small to medium-size businesses. She lives on what's almost a farm in northern Wisconsin with her husband and three dogs.
All Idaho drivers need car insurance, and most want to score a good deal on their premiums. While costs vary depending on the individual, the Idaho auto insurance providers listed below tend to offer some of the lowest rates. Here's a look at which companies offer the best car insurance in Idaho for several common driver profiles.
A female driver with a clean record typically pays about $1,496 per year for Idaho auto insurance while a male driver pays about $1,548 per year. But both can do much better by going with Geico, the best cheap car insurance provider. It charges female and male drivers with clean records $811 and $859 per year, respectively.
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These companies also offer some of the cheapest car insurance in Idaho:
Drivers with a single accident on their record see their Idaho auto insurance rates climb to $2,057 annually. This time, Auto-Owners Insurance offers the best rates, with its average annual premium for this group coming in at $1,152 per year.
These companies also offer some of the cheapest auto insurance in Idaho to drivers with an accident history:
Speeding tickets bump up the average Idaho auto insurance premium to $1,825. But Geico only charges drivers with one speeding ticket about $990 per year.
These insurers also offer cheap car insurance quotes in Idaho to drivers with speeding tickets:
Teen drivers see the highest average Idaho auto insurance premiums at $4,892 per year. But those who choose Auto-Owners pay just over half that at $2,708 per year.
These companies also offer affordable car insurance in Idaho to teens:
Seniors have reasonable Idaho auto insurance premiums that cost about $1,366 annually. But seniors who choose Geico only pay about $910 per year.
These companies also make the list of the best car insurance companies in Idaho for seniors:
Idaho minimum car insurance only costs about $476 per year. That's pretty good, but those who choose Geico can score an even more affordable $268 annual premium.
These insurers also offer cheap liability car insurance in Idaho:
Poor credit is costly in Idaho, bumping the average car insurance premium up to $2,503 per year. Once again, Geico offers the best rate at $1,412 per year.
But these companies also offer low-cost car insurance to drivers with bad credit:
How much is car insurance in Idaho? That depends on several factors, including the driver's history, their vehicle make and model, and where they live.
Here's a table showing how Idaho's average premiums stack up to the national average for some of the driver profiles listed above.
| Average Rate Category | Idaho | National Average |
|---|---|---|
| Overall | $1,901 | $2,646 |
| Young drivers | $4,892 | $5,988 |
| 1 accident on driving record | $2,057 | $3,092 |
| 1 speeding ticket on driving record | $1,825 | $2,766 |
Here are some Idaho car insurance laws all drivers should be aware of:
Idaho is an at-fault state. This means in the event of an accident involving two or more vehicles, the driver who is found to be at fault must pay for the medical bills for all parties involved. This is different from no-fault states where each driver bills their own insurance for medical costs, regardless of fault.
Drivers who don't have Idaho auto insurance could face the following consequences:
All drivers in Idaho must carry at least the following insurance coverage:
Drivers must carry at least:
In addition, drivers must carry at least $15,000 of property damage liability coverage.
Idaho requires its drivers to carry uninsured and underinsured motorist coverage in the same quantities as the bodily injury liability coverage listed above. This kicks in if a policyholder is hit by a driver without insurance or by a driver who doesn't have adequate insurance to cover all of the damages.
Drivers looking to score the cheapest car insurance in Idaho should do the following:
Here are a few other things drivers ought to keep in mind when shopping for Idaho auto insurance:
Idaho requires its drivers to have $25,000 of bodily injury liability coverage and $50,000 per accident, plus $15,000 of property damage liability coverage. This is sometimes written as 25/50/15 coverage.
It's a little lower than average. Many other states require their drivers to carry at least 25/50/25 coverage. This provides a little extra protection for drivers if they cause an accident that damages another person's property. Without adequate property damage liability coverage, policyholders could end up paying for the rest of the damages on their own.
Those seeking protection for their own vehicles following a crash should add collision and comprehensive coverage. They're not required by state law, but many lenders require them of drivers who have a lease or loan on their vehicles.
Collision coverage pays to repair the policyholder's vehicle following an accident with another vehicle or a single-car accident, even if the policyholder is at fault. Comprehensive coverage takes care of weather damage, theft, vandalism, and animal-vehicle collisions, among other things.
RELATED: Buying a home? Check out The Ascent's guide to the best cheap homeowners insurance in Idaho.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only -- your own quotes may be different.
