ddisq // Shutterstock
Car insurance rates in Idaho
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.
– American National P&C provides the cheapest liability coverage at $17 per month in Idaho.
– American National P&C offers the cheapest rates for full coverage insurance in Idaho at $48 per month.
– At $71 per month, Boise is the cheapest city for car insurance in Idaho.
Read on to learn more about car insurance price trends in Idaho. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in Idaho
For drivers looking to meet Idaho minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liabiility insurance in Idaho
#1. American National P&C: $17
#2. USAA: $19
#3. Idaho Farm Bureau: $24
#4. Auto-Owners Insurance Co: $25
#4. State Farm: $25
Cheap full coverage in Idaho
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in Idaho
#1. American National P&C: $48
#2. Auto-Owners Insurance Co: $55
#3. Idaho Farm Bureau: $60
#4. USAA: $65
#5. Travelers: $70
Impact of traffic violations on Idaho auto insurance rates
In Idaho, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer’s policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Idaho may differ from the national average due to regional risks and rules.
Here’s a breakdown of average auto insurance rates in Idaho after common driving violations.
– No violation: $122
– Not-at-fault accident: $126
– Failure to wear a seat belt: $132
– Speeding 6 – 10 MPH over limit: $147
– Speeding 21 – 25 MPH over limit: $152
– DUI: $205
– Reckless driving: $197
– Driving with a suspended license: $196
– Leaving scene of an accident/hit and run: $210
Car insurance rates across Idaho’s top cities
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
Cities with the cheapest average monthly premium in Idaho
#1. Boise: $71
#2. Meridian: $94
#3. Mountain Home: $97
#4. Mountain Home AFB: $98
#5. Glenns Ferry: $100
Cities with the most expensive average monthly premium in Idaho
#1. Idaho Falls: $120
#1. Colburn: $120
#3. Weippe: $119
#3. Orofino: $119
#3. Pierce: $119
This story was produced by Way and reviewed and distributed by Stacker.
