Idaho Car Insurance: The Complete 2025 Guide
Affordable coverage in America's fastest-growing state—before the Boise boom changes everything.
Idaho Quick Facts
✓ The Idaho Advantage
Idaho consistently ranks in the top 5 cheapest states for car insurance. Low population density, minimal traffic congestion, and a stable insurance market keep rates well below national averages. But the Boise boom is bringing California refugees—and their traffic—so lock in rates now.
Idaho Minimum Insurance Requirements
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Per injured person |
| Bodily Injury (per accident) | $50,000 | Total per accident |
| Property Damage | $15,000 | Low—recommend increasing |
| Uninsured Motorist | Optional | Recommended |
Average Car Insurance Costs in Idaho
| Coverage Level | Annual Premium | Monthly Cost |
|---|---|---|
| State Minimum | $328 | $27 |
| Full Coverage | $1,210 | $101 |
Costs by Idaho City
| City | Avg. Annual Premium | vs. State Avg. |
|---|---|---|
| Boise | $1,420 | +17% |
| Meridian | $1,380 | +14% |
| Idaho Falls | $1,140 | -6% |
| Pocatello | $1,080 | -11% |
| Rural Idaho | $980 | -19% |
Idaho-Specific Considerations
Wildlife Collisions
Idaho has significant deer, elk, and moose populations. Animal strikes are common on rural highways. Comprehensive coverage is essential—collision does NOT cover animal strikes.
Winter Driving
Mountain passes and severe winter weather create hazardous driving conditions. Single-vehicle winter accidents are common—collision coverage is valuable.
Modified Comparative Fault
Idaho follows a 50% bar rule. You can recover damages if you're 49% or less at fault. At 50%+, you recover nothing.
The Boise Effect
Boise's explosive growth is increasing traffic density and accident rates. Expect Treasure Valley rates to rise faster than the rest of the state over coming years.
Top Car Insurance Companies in Idaho
State Farm
Largest insurer in Idaho. Strong agent network.
GEICO
Often cheapest for good drivers. Online service.
Farmers
Strong Western presence. Good bundling options.
Idaho Farm Bureau
Local carrier. Competitive for rural drivers.
Bottom Line: Idaho Car Insurance
Idaho offers some of the cheapest car insurance in America. Take advantage while you can—the Boise boom is changing the landscape.
Add comprehensive coverage for wildlife and winter driving. Shop State Farm, GEICO, and Idaho Farm Bureau. Rural Idaho has the best rates; the Treasure Valley is catching up to national averages.