Compare car insurance quotes in Idaho
Jerry is a free app trusted by 3,013 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 $154 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 $185 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 $825 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
One of the best ways to save on home insurance in Idaho is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Idaho drivers are paying with Jerry
Checking rates with several insurers is the simplest way to land the right coverage, whether you want to tailor a policy from scratch, mirror what you have now or just lock in the cheapest car insurance in Idaho that you can find.
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. Drivers should 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
Severe weather in winter
Harsh winters can increase crash risk, especially on mountain passes where snow, ice, and sudden visibility changes can build quickly. For your own car to be covered after a weather related crash, you need to have collision coverage. Comprehensive coverage can help with some non-collision weather damages (like hail or a fallen tree).
Animal collisions
Collisions with deer, elk, and moose are common statewide, especially during dawn, dusk and at night. Impacts with animals generally fall under comprehensive coverage. You need comprehensive coverage to be protected against animal collisions.
High-speed rural driving and severe crashes
As a rural state, Idaho commutes involve higher speeds and limited lighting, and fewer barriers on country routes. When crashes happen, they can be more severe, and longer distances can mean slower emergency response times.
Congestion in the Treasure Valley
Growing cities like Boise and Meridian can see more stop-and-go driving, busier interchanges, and more frequent fender benders. Higher claim frequency in dense corridors can influence premiums, and defensive driving helps reduce risk. More frequent claims influence overall premiums, but some insurers offer discounts if you can prove defensive driving habits through e.g. telematics.
Construction zones
Construction and expansion projects can create sudden slowdowns, narrow shoulders, and confusing lane patterns. This increases the odds of accidents and can drive up claim frequency and premium costs.
Repair costs, parts availability
Even minor crashes can become expensive due to labor rates, parts availability, and sensor recalibration. Choose deductibles you can realistically pay to ensure you can keep driving after an incident.
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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|---|
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City
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Average monthly cost
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|---|---|
| $133 | |
| $152 | |
| $154 | |
| $115 | |
| $169 | |
| $127 | |
| $129 | |
| $158 |
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.
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Learn about uninsured motorist coverage and why it matters.
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Discover how to get the best car insurance discounts.
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 personal injury protection (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.