How much is car insurance in Idaho?
In Idaho, a full-coverage auto policy averaged $981 a year in 2023 (NAIC), 32% below the $1,439 national average (4th lowest in the US), or about $1,160 a year in Idaho today (about $95 a month as of August 2026). For Idaho drivers, the law asks for at least 25/50/15 liability, and liability-only coverage—the closest NAIC measure to a minimum policy—averaged $482 in 2023 (about $570 today).
What people pay in Idaho: 4th lowest average in the US
Typical Idaho full-coverage price today
about $1,160 a year in Idaho (about $95 a month)
Idaho's 2023 NAIC full-coverage average ($981) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Idaho rate depends on your car, driving history, and coverage limits.
In 2023 NAIC data, Idaho was the 4th least expensive of the 50 states and DC for full coverage ($981 vs $1,439 nationally), but ranked higher on liability alone (11th lowest in the US at $482) because liability makes up 49% of a full-coverage Idaho bill. Counting every insured car in Idaho—both full-coverage and liability-only policies—Idaho drivers spent $864 per vehicle on average in 2023 (3rd lowest in the US, about $1,020 today), or 12% ($117) less than Idaho's full-coverage combined average.
Idaho costs less to insure than Montana, Nevada, Oregon, and 3 more bordering states
A typical full-coverage policy in Idaho ($981 in 2023) costs less than in all six bordering states. Among Idaho's neighbors, Wyoming had the lowest 2023 average ($1,180, moving to Idaho is about $260 less a year) and Nevada had the highest ($1,600, moving to Idaho is about $830 less a year).
| State | 2023 average | Moving to Idaho from there |
|---|---|---|
| Idaho | $981 | Current state (Idaho) |
| Montana | $1,184 | About $270 less a year |
| Nevada | $1,600 | About $830 less a year |
| Oregon | $1,268 | About $380 less a year |
| Utah | $1,285 | About $410 less a year |
| Washington | $1,235 | About $340 less a year |
| Wyoming | $1,180 | About $260 less a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Hawaii ($998 in 2023, about $1,180 today), Wisconsin ($1,000 in 2023, about $1,190 today), North Dakota ($961 in 2023, about $1,140 today), and Vermont ($958 in 2023, about $1,140 today).
Idaho: 25/50/15 minimums, with uninsured-motorist coverage unless rejected in writing
- Idaho liability (per person / per crash / property)
- $25,000 / $50,000 / $15,000
- Personal injury protection (PIP) in Idaho
- Not required
- Medical payments in Idaho
- Not required
- No-fault system in Idaho
- No
- Uninsured motorist in Idaho
- Included unless you decline in writing
- Underinsured motorist in Idaho
- Included unless you decline in writing
Set by Idaho Code 49-117 (definition of proof of financial responsibility), Idaho's 25/50/15 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $15,000 for others' property—the legal floor in Idaho, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Idaho—the closest NAIC figure to what an Idaho minimum policy costs—averaged $482 in 2023 (about $570 in Idaho today), the 11th lowest of the 50 states and DC. That makes liability 49% of Idaho's full-coverage average ($981), while the remaining 51% goes toward collision and comprehensive coverage for your own car.
Idaho requires at least $25,000 per person and $50,000 per crash for injuries, plus $15,000 for property damage. Uninsured and underinsured motorist coverage are included unless you turn them down in writing. Idaho is an at-fault state with no required PIP.
What we couldn’t confirm: We found no 2025 or 2026 bill changing Idaho's minimums, but we didn't search every 2026 bill. We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Uninsured and underinsured motorist
- Uninsured and underinsured motorist coverage are both included, at least $25,000 per person and $50,000 per crash. You can turn down either or both in writing or electronically.
- History and recent checks
- 25/50/15 is unchanged. Idaho Code 49-117 was last amended in 2022 (ch. 98), and 41-2502 in 2009. No 2025-2026 bill changing the limits was found. The Dept. of Insurance issued Bulletin 26-07 on July 1, 2026 about household exclusions and step-down provisions; it does not change the minimums.
- Checked
- September 22, 2026
- Sources
- Idaho Code 49-117 (definition of proof of financial responsibility)
twenty-five thousand dollars ($25,000) because of bodily injury to or death of one (1) person ... fifty thousand dollars ($50,000) ... fifteen thousand dollars ($15,000) because of injury to or destruction of property
- Idaho Code 49-1229 (insurance required)
Every owner of a motor vehicle which is registered and operated in Idaho ... shall continuously ... provide insurance ... in an amount not less than that required by section 49-117
- Idaho Code 41-2502 (UM/UIM)
A named insured shall have the right to reject either or both uninsured motorist coverage or underinsured motorist coverage, which rejection must be in writing or in an electronic record
- Idaho DOI Bulletin 26-07 (July 1, 2026)
any motor vehicle liability coverage above the statutory minimum (Idaho Code §§ 49-1229 and 49-117(18)) provide the same level of coverage for all insureds
- Idaho Code 49-117 (definition of proof of financial responsibility)
Adding a 16-year-old driver in Idaho: about $770 more a year
Adding a 16-year-old to a Idaho policy
about $770 more a year
About $65 a month (+66% over a typical Idaho adult policy of $1,160), bringing the combined Idaho family policy to roughly $1,450–$2,550 a year.
On a separate Idaho policy of their own with the same car, a 16-year-old in Idaho would pay about $3,340 a year (roughly $2,550–$4,750), so sharing a parent's Idaho policy saves about $2,570 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Idaho's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Idaho
In Idaho, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $690 more a year on an Idaho policy, versus about $1,150 more a year for the 2022 Tesla Model 3 at the top of Idaho's list.
| 2022 model | Added to a Idaho policy | Own Idaho policy |
|---|---|---|
| 2022 Subaru Forester | +$690 in Idaho | $2,980 in Idaho |
| 2022 Subaru Outback | +$690 in Idaho | $2,980 in Idaho |
| 2022 Subaru Crosstrek | +$690 in Idaho | $3,000 in Idaho |
| 2022 Honda CR-V | +$740 in Idaho | $3,200 in Idaho |
| 2022 Toyota RAV4 | +$750 in Idaho | $3,260 in Idaho |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Idaho
In Idaho, a 45-year-old with full coverage pays from about $1,210 a year for a 2024 Honda Ridgeline to about $1,380 for a 2024 Jeep Gladiator on these Idaho sample models.
| Car | 45-year-old in Idaho | Adding a teen in Idaho |
|---|---|---|
| 2024 Ford Ranger | about $1,260 a year | +$830 a year |
| 2024 Ford Maverick | about $1,230 a year | +$810 a year |
| 2024 Chevrolet Colorado | about $1,280 a year | +$840 a year |
| 2024 GMC Canyon | about $1,310 a year | +$870 a year |
| 2024 Nissan Frontier | about $1,270 a year | +$840 a year |
| 2024 Honda Ridgeline | about $1,210 a year | +$800 a year |
| 2024 Jeep Gladiator | about $1,380 a year | +$910 a year |
| 2024 Hyundai Santa Cruz | about $1,290 a year | +$850 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Idaho
- How much is car insurance in Idaho?
- In Idaho, full-coverage car insurance averaged $981 a year in 2023 (the 4th least expensive of the 50 states and DC per NAIC), or about $1,160 a year ($95 a month) in Idaho as of August 2026. Idaho liability-only coverage averaged $482 in 2023 (49% of Idaho's full-coverage figure, or about $570 today), and Idaho drivers spent $864 per insured car across all policies.
- What are the minimum car insurance limits in Idaho?
- Under Idaho Code 49-117 (definition of proof of financial responsibility), Idaho requires 25/50/15 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $15,000 for property damage. 25/50/15 is unchanged. Idaho Code 49-117 was last amended in 2022 (ch. 98), and 41-2502 in 2009. No 2025-2026 bill changing the limits was found. The Dept. of Insurance issued Bulletin 26-07 on July 1, 2026 about household exclusions and step-down provisions; it does not change the minimums.
- How much does adding a 16-year-old teen driver cost in Idaho?
- Adding a 16-year-old to a parent's full-coverage policy in Idaho adds about $770 more a year ($65 a month), bringing the Idaho household policy to roughly $1,450–$2,550 a year versus about $3,340 a year (roughly $2,550–$4,750) on a standalone Idaho teen policy.
- Is Idaho a no-fault car insurance state?
- No—Idaho is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Idaho does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Idaho: Uninsured and underinsured motorist coverage are both included, at least $25,000 per person and $50,000 per crash. You can turn down either or both in writing or electronically.
- How does Idaho's car insurance cost compare with Montana?
- Idaho averaged $981 for full coverage in 2023 (NAIC) against $1,184 in Montana (17% less than Montana), and moving a sample policy from Montana to Idaho today is about $270 less a year. Other bordering states averaged $1,600 in Nevada, $1,268 in Oregon, $1,285 in Utah, $1,235 in Washington, and $1,180 in Wyoming in 2023.
Sources for Idaho
- Idaho average premiums ($981 full coverage, $482 liability-only, $864 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Idaho minimum coverage statutes (Idaho Code 49-117 (definition of proof of financial responsibility); Idaho Code 49-1229 (insurance required); Idaho Code 41-2502 (UM/UIM); Idaho DOI Bulletin 26-07 (July 1, 2026)), checked September 22, 2026. Page updated for Idaho. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.