Best Auto Insurance Rates in Idaho

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Compare Auto Insurance in Idaho

Idaho is known as the Gem State because of its abundance of natural resources. Here at QuoteWizard, we’ve compiled useful insurance information from industry and government sources which Idahoans can use to save money on a gem of an insurance policy.

This page will show you which types of coverage are legally required in Idaho and inform you about important insurance laws. It also provides you with information about the cost of driving and some insights about insurance risk.

Average Idaho Car Insurance Rates

How much is car insurance in Idaho? When it comes to car insurance, Idahoans must be doing something right. Drivers here pay less for car insurance than those in any other state. The low number of uninsured motorists could have something to do with it. Only 6.7 percent of the drivers on Idaho roadways are uninsured.

On average, Idaho drivers pay 35 percent less for auto insurance than the average American. The average cost of car insurance in Idaho is $573.83 per year. The national average price is $889.01.

How much you pay may vary depending on your car, driving record, zip code, limits, and the number of claims filed in your neighborhood.

Idaho (ID) Average Annual Car Insurance Rates
Coverage Rates
Liability $344.29
Collision $219.05
Comprehensive $116.55
Total Cost Per Year $573.83
Price Per Month $47.82
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Idaho insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Idaho car insurance rates increased from $535 in 2011 to $573 in 2015, a jump of $38 dollars, or 7.24 percent.

Idaho average car insurance rates

Finding a reliable auto insurance provider is important these days. But how do you determine which insurer is right for you?

One way is to compare rates from a number of different car insurance companies. Let QuoteWizard help you do that. We’ll get you all the info you need, and connect you to a handful of agents who serve Idaho drivers, so you can find a policy that you, your vehicle, and your wallet will love.

Last year, 13,992 people used QuoteWizard to compare car insurance quotes in Idaho from top companies.

Best Car Insurance Companies in Idaho

Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of Idaho. Out of the 13,992 Idaho drivers that used QuoteWizard to request insurance quotes last year, 1,794 were uninsured.

Top 10 Vehicles in Idaho

These are the most common vehicles owned by Idaho drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Ford Ranger
  3. Ford Explorer
  4. Dodge RAM 1500
  5. Honda Accord EX/LX
  6. Chevrolet Blazer
  7. Chevrolet Silverado
  8. Chevrolet Cavalier
  9. Dodge Durango
  10. Ford Taurus
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Idaho State Auto Insurance Laws

Minimum Car Insurance Requirements in Idaho

If you drive a vehicle registered in Idaho, you must maintain a minimum level of insurance coverage of 25/50/15. This means that you must have at least:

  • $25,000 of coverage for bodily injury liability per person
  • $50,000 of coverage for bodily injury liability per accident
  • $15,000 of coverage for property damage liability per accident

Idaho also requires insurance companies to include both uninsured and underinsured motorist coverage on the policies of its residents to financially protect them if they’re involved in accidents with drivers that have either no insurance or too little coverage. Drivers can opt out of this coverage if they prefer but must do so in writing.

Recommended Coverage Levels

According to Safewise, Idaho is the sixth most dangerous state for driving in snow. Between the poor visibility and loss of control due to slick roads, accidents can happen. Consider adding collision coverage to your policy. It covers your damages if you get into a car crash.

Minimum liability insurance covers only so much, then leaves the rest to you. With options such as collision, comprehensive, and uninsured coverage, you can tailor a policy that is affordable and provides peace of mind.

Also, think about increasing your liability coverage. It doesn’t take much for the bill for an accident to exceed the limits of minimum liability. As such we recommend:

  • $100,000 Individual Body Injury Liability
  • $300,000 Total Bodily Injury Liability
  • $100,000 Property Damage Liability

Required Proof of Auto Insurance

All drivers in Idaho must be prepared to show proof of car insurance in the form of a car insurance identification card to law enforcement upon request.

Failure to show valid proof of insurance is a traffic infraction. Knowingly providing false evidence of insurance coverage is a misdemeanor.

Penalties

If you can't prove that you meet the minimum Idaho insurance requirements before conviction, you could face the following penalties for a first offense:

  • A fine of $75

If you are caught a second time within 5 years of the first offense, the penalties become more severe. The penalties for a second offense or subsequent offenses are:

  • A fine of no more than $1000
  • Up to 6 months in county jail
  • Possibly both a fine and jail time
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State SR-22 Requirements

If you’ve had your license revoked or suspended, you'll need to apply to the Idaho Transportation Department and pay a reinstatement fee of between $25 and $285. Generally, reckless driving and DUI convictions will cost you the most.

In addition, you may also be required to file an SR-22, which is a way of proving financial responsibility. “SR” stands for safety responsibility and it certifies that a driver has the minimum amount of insurance required by state law.  Idaho state law requires that an SR-22 be carried for 3 years following a first offense.

State of Idaho Traffic Safety Laws

Distracted Driving Laws

The state of Idaho reports that in 2014 there were 4,781 total accidents involving distracted drivers in which 39 people lost their lives. There were 761 accidents involving distracted drivers, which caused 364 serious injuries during the same period. These statistics represent 22% of all fatalities and 30% of all serious injuries from accidents on Idaho’s roadways.

Idaho has made it a primary law that drivers cannot text while driving. Because it’s a primary law, law enforcement can pull you over and issue a citation if they see you texting behind the wheel.

Idaho has a "Distraction in/on Vehicle (List)" attribute as part of its contributing circumstances element. This means officers are called upon to list any and all distractions in the narrative of the accident report.

Implied Consent Law

Idaho’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested by law enforcement for suspicion of driving under the influence (DUI) of drugs or alcohol. Refuse the test and you’ll face the following penalties in addition to those for a DUI:

  • First Offense: suspension of driver’s license for 1 year and $250 fine
  • Second Offense: suspension of driver’s license for 2 years and $250 fine
  • Third Offense: suspension of driver’s license for 2 years and $250 fine

A restricted driver’s license is available if you install an ignition-interlock system  in your car. If granted, this license allows you to drive to and from work or school.

DUI Law and Penalties

If you drive or operate a motor vehicle in the State of Idaho with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

The penalties for a first offense DUI conviction are:

  • Up to 6 months in jail
  • A fine of up to $1,000
  • 90 to 180-day suspension of driver’s license

The penalties for a second offense DUI conviction are:

  • 10 days to 1 year in jail
  • A fine of up to $2,000
  • 1-year suspension of driver’s license
  • Required installation of an ignition-interlock device

The penalties for a third offense DUI conviction are:

  • Between 30 days and 5 years in jail
  • A fine of up to $5,000
  • 1 to 5-year suspension of driver’s license
  • Required installation of an ignition interlock device

Senior Drivers

The license renewal cycle for drivers in Idaho is every 8 years through their 62nd year. When Idahoans reach the age of 63, they are required to renew their license every 4 years.

Seat Belt Laws

Idaho requires that all passengers 8 years of age and older wear seat belts in both the front and back seats. Failure to comply will result in a fine of $10 plus administrative fees. Drivers under 18 years of age are required to pay $51.50 plus court costs.

Vehicles Registered in Another State

When you drive a vehicle in Idaho that is required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement upon request.

The Cost of Driving in Idaho

Average Idaho Car Insurance Rates

The average cost of car insurance in Idaho in 2015 was $573.83 compared to a national average of $889.01. Idaho is the least most expensive state (51st including Washington D.C.) for car insurance.

Car Insurance Risk in Idaho

Uninsured Motorists

In 2012 it was estimated that 6.7% of all drivers on Idaho roads had no car insurance. This number is much lower than the national average of 12.6% and ranks Idaho 45th in the nation for uninsured motorists. This makes sense given that car insurance in Idaho is cheaper than any other state.

Traffic Crashes

In 2014, there were 22,134 car accidents, a 1% decrease from the 22,347 crashes reported in 2013.

Source: 2013 Idaho General Collision Statistics
  2011 2012 2013 2014 Change
2013-2014
Total Crashes 20,833 21,402 22,347 22,134   -1%

Traffic Fatalities

In 2014, there were 186 traffic fatalities in Idaho, a 13.1% decrease from the 214 traffic fatalities reported in 2013.

Source: 2013 Idaho General Collision Statistics
  2011 2012 2013 2014 Change
2013-2014
Fatal Crashes 152 169 200 175 -12.5%
Persons Killed 167 184 214 186 -13.1%

Vehicle Thefts

Idaho had 1,661 vehicle thefts reported in 2014, a 8% increase compared to 2013 when 1,538 vehicles were reported stolen. In 2014, the vehicle theft rate was 101.6 per 100,000, an increase of 6% over the 2013 rate of 95.4 per 100,000.

The vehicle theft rate in Idaho is significantly lower  than the overall US vehicle theft rate, which was 216.2 per 100,000 in 2014.

Top 10 Most Stolen Vehicles in Idaho

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 2002 Chevrolet Pick-Up (Full Size)
  2. 1997 Ford Pick-Up (Full Size)
  3. 2003 Dodge Pick-Up (Full Size)
  4. 1998 Chevrolet Pick-Up (Small Size)
  5. 1990 Honda Accord
  6. 1998 Honda Civic
  7. 2006 GMC Pick-Up (Full Size)
  8. 1989 Ford Pick-Up (Small Size)
  9. 2000 Jeep Cherokee/Grand Cherokee
  10. 1995 Toyota Camry

Idaho Department of Insurance

Website:
Homepage
Insurance Commissioner:
Dean L. Cameron
Insurance Hotline:
(800) 721 – 3272
Office Hours:
Monday - Friday
8:00 am to 5:00 pm
File a Consumer Insurance Complaint
Complaint Page

Sources:

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