Compare car insurance quotes in Idaho
Jerry is a free app trusted by 3,058 Idaho drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Average Idaho car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $382 a month for full coverage. But in Idaho, Jerry drivers pay less:
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$42 to $83 per month for state-mandated minimum coverage.
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$99 to $183 per month for full coverage.
The best way to find a policy that fits a specific budget is to review quotes from at least three to five insurance companies. Over the last 12 months, Jerry has helped Idahoans save an average of $842 per year by finding and showing competitive coverage options side by side.
Jerry helps you shop offers and lock in your Idaho car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Bear in mind that prices vary based on your specific situation, including the age of your car, where you live and how much you drive. Here are some full coverage rates that Jerry drivers in Idaho have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Idaho homeowners face growing wildfire risk across much of the state, along with harsh winter weather that can damage roofs and pipes. As home insurance rates continue to climb, bundling your home and auto insurance is one of the most effective ways to save.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Idaho drivers are paying with Jerry
Comparing quotes from multiple insurers is the simplest way to make sure you’re getting the right coverage at the right price. Whether you’re building a new policy, matching your current one or looking for the cheapest car insurance in Idaho, it pays to see what’s out there.
That matters in Idaho, where the driving landscape ranges from Boise’s growing metro traffic to long stretches of rural highway across the rest of the state. Winter conditions in the northern panhandle and mountain areas add another variable, and rates have been climbing as the state’s population grows. Jerry works with Idaho drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you compare quotes from up to 9 trusted insurers in the Gem State, so you can see what’s out there and what you should be paying. Below are some of the latest quotes Jerry has pulled for Idaho drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Idaho
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Idaho car insurance coverage requirements
In order to legally operate a vehicle in Idaho, drivers must purchase liability insurance coverage. State minimum requirements include:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$15,000 in property damage liability per accident.
Keep in mind that this is the legal minimum, but many Jerry drivers actually choose to buy higher liability limits and coverages like comprehensive or collision insurance. Also note that over 6% of Idaho drivers are uninsured or underinsured; while this is one of the lowest states for uninsured drivers, buying uninsured/underinsured motorist (UIM) protection can still be a wise move.
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Coverage definitions
Factors affecting Idaho car insurance rates in 2026
Winter driving hazards
Idaho winters are serious, especially on mountain passes where snow, ice, and sudden whiteouts can change conditions in seconds. Collision coverage is what pays for your car after a weather-related crash, and comprehensive covers non-collision damage like hail or a fallen tree.
Animal collisions
Animal strikes are common across Idaho, especially at dawn and dusk on rural and foothill routes. Moose and elk collisions in particular can total a car. Comprehensive coverage is typically what pays for animal impacts, so make sure yours is active and your deductible is set at a level you can afford.
High-speed rural roads
A lot of Idaho driving happens on two-lane highways where speeds are higher, shoulders are narrow, and lighting is limited. When crashes happen on these roads, they tend to be more severe. Consider carrying collision coverage and set a deductible you can comfortably cover if you need to file a claim.
Treasure Valley congestion
As Boise, Meridian, and the surrounding area keep growing, stop-and-go traffic and fender benders are becoming more common. Drive defensively during peak hours and consider a telematics program, like Jerry DriveShield, so your safer habits can translate into a lower rate.
Construction zones
Road expansion and infrastructure projects across the state create sudden slowdowns, narrow lanes, and confusing detours. These conditions drive up accident odds, so stay alert in work zones and keep collision coverage active.
High repair costs
Even minor crashes can get expensive in Idaho due to labor rates, parts availability and the sensor recalibration that newer vehicles require. Choose a deductible you can realistically pay, so your collision and comprehensive coverages are actually usable when you need them.
Average cost of car insurance in major Idaho cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $133 | |
| $151 | |
| $153 | |
| $115 | |
| $169 | |
| $126 | |
| $129 | |
| $157 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Idaho quotes in as little as 2 minutes.
Learn more about driving in Idaho
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is Idaho an at-fault state?
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What happens if I drive without insurance in Idaho?
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Does Idaho require PIP coverage?
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Can I show proof of insurance on my phone in Idaho
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.