Idaho ranks among the cheapest states for auto insurance, with full coverage averaging roughly $1,484 a year — about 45% under the national average. The state follows an at-fault model with a 25/50/15 liability minimum. Here's the coverage you must carry, what Idahoans pay, and how to find an even better rate.
Idaho uses an at-fault (tort) framework with a 25/50/15 liability minimum and no mandated PIP or uninsured-motorist coverage. At roughly $1,484 a year for full coverage, Idaho is among the very cheapest states — a product of sparse population, light traffic, and relatively few catastrophic-weather claims. Credit history is a permitted rating factor, and rates climb modestly in Boise's growing metro.
The coverages below are the minimum a driver must legally carry in Idaho. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per injured person / per crash |
| Property damage liability | $15k | Mandatory |
| Uninsured motorist | Optional | Offered; may be waived |
| Personal injury protection | Not required | Idaho follows an at-fault model |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $1,484/yr | 45% below U.S. | Comprehensive and collision included |
| Minimum coverage | $386/yr | 54% below U.S. | Liability only at 25/50/15 |
Estimates apply national rate-increase multipliers to Idaho's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$1,484/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$2,122/yr | +43% | 1,484 × 1.43 per Bankrate |
| Speeding ticket | ~$1,840/yr | +24% | 1,484 × 1.24 per Bankrate |
| DUI on record | ~$2,790/yr | +88% | 1,484 × 1.88 per Bankrate |
| Young driver (18–24) | ~$2,968/yr | ≈2× | About double per Bankrate |
| Poor credit score | ~$2,523/yr | +70% | 1,484 × 1.70 per Bankrate |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
Idaho's rock-bottom pricing makes full coverage easy to justify — the step up from a minimum policy is small. The 25/50/15 minimum is low against modern repair and medical costs, so higher liability limits are inexpensive insurance here. With credit and location still creating differences between carriers, a quick comparison can trim even more off an already-low Idaho rate.
Idaho is one of the most affordable states for auto insurance. Because full coverage costs so little more than the minimum, most drivers should carry it — and weigh a few carriers to push the rate lower still.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for Idaho are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the Idaho insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.