Good news for Idaho drivers: Jerry’s latest data shows that liability coverage in the Gem State averages about $70 per month. Over the last year we’ve helped 2,393 Idahoans lower their premiums, and drivers who switch with Jerry save an average of $567 a year without losing the protection they count on.
Jerry compares quotes from up to 9 trusted insurers in Idaho to build your policy and secure your best rate in minutes.
Save on Idaho insurance with Jerry.
What Idaho drivers are paying right now
Car insurance prices in Idaho shift with weather, traffic patterns and where you drive. Rural highways, icy mountain passes, pockets of fast-growing population and one of the nation’s highest wildlife-collision rates all play into what insurers charge. Even two drivers with similar records can land very different premiums depending on their ZIP code.
Jerry tracks live quotes across Idaho to give you a clear picture of real prices today. Here are some full coverage policies recently purchased in Idaho through Jerry and what those drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rate now and then. In Idaho, winter conditions, wildlife activity and changes to your own driving profile can affect what you’ll pay at renewal.
4 easy ways Jerry helps Idaho drivers save on car insurance
Lowering your premium isn’t just about hunting for the lowest sticker price. The real advantage comes from understanding the factors behind your rate and adjusting what actually matters.
Jerry makes that simple by comparing real offers, surfacing discounts you may not know you qualify for and showing you exactly where you can save without giving up key protection.
Here are our best tips to help you spend less and stress less.
| How to save | Average Idaho driver savings |
|---|---|
| Compare quotes | 43% to 65% |
| Stack discounts | 28% to 52% |
| Pick the right deductible | 13% to 71%* |
| Use telematics | 6%* |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Idaho’s insurance landscape is shaped by long rural drives, sudden winter storms, big elevation changes and high wildlife-strike frequency. Every insurer weighs those risks differently, which is why quotes can swing widely from one company to another.
Comparing rates side by side with Jerry is the quickest, most reliable way to avoid overpaying.
Why it matters: Even drivers with the same car and record can see big price differences across Idaho. Jerry shows you those gaps instantly so you can pick the best fit for your budget and lifestyle.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Many Idaho drivers qualify for multiple discounts, including safe-driver rewards, paperless billing, anti-theft devices, good-student incentives and bundling home and auto. But insurers don’t always apply them automatically.
Jerry identifies the discounts you qualify for so you don’t leave savings behind.
Key takeaway: Stacking discounts often delivers bigger savings than raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Deductibles play a major role in your premium. Idaho drivers deal with slippery winter roads, frequent wildlife crossings and rural routes where help may take a while to arrive. These are all reasons to choose a deductible you can comfortably afford if you have to file a claim.
Here’s what Jerry drivers chose for their deductibles in the past year:
To find the right deductible for your own policy:
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Review your car’s value (Jerry tracks this for you monthly).
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Calculate what you could afford to pay out of pocket.
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Check how different deductibles change your rate in real time.
The Jerry difference: The Jerry difference: Jerry shows drivers multiple deductible options and savings in real time, making it easy to choose the right deductible.
Jerry Agent Tip 4: Use telematics for bigger savings
Telematics programs reward the way you actually drive, not a generic risk profile. Idaho drivers who opt in save an average of 6%, according to Jerry data. Smooth braking, lighter mileage and safer hours on the road all help lower your premium, and Idaho’s lighter traffic outside metro areas means many drivers qualify.
Tools like Jerry’s DriveShield take this even further. It monitors your driving, scores your habits and automatically shops for lower rates when you qualify. We only share your drive score with insurers if it could get you a discount.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Idaho requires 25/50/15 liability coverage, but that minimum doesn’t protect your own vehicle. Here are the coverage tiers Idaho drivers use when comparing policies:
Minimum
$41 – $77/mo
Meets Idaho’s state requirements but doesn’t cover your car.
Full
$79 – $169/mo
Adds collision and comprehensive, often required for financed or leased vehicles.
Standard
$97 – $176/mo
Includes uninsured and underinsured motorist coverage and medical payments coverage to better protect you.
Preferred
$100 – $184/mo
Higher limits, lower deductibles and extras like towing or rental reimbursement offer maximum coverage.
Key takeaway: Start with your comfort level around risk and what your car is worth. Jerry shows real-time pricing for each coverage level so you can choose confidently.
The cheapest policy in Idaho is liability-only, but affordable add-ons like comprehensive can make a big difference when weather or wildlife damage strikes.
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Coverage definitions
Idaho insurance factors at a glance
Idaho’s driving environment has its own challenges, and insurers price accordingly. Here’s what matters most:
Severe weather
Harsh winters can increase crash risk, especially on mountain passes, making comprehensive coverage valuable.
Animal collisions
Wildlife collisions (deer, elk and moose) are common statewide, which is another vote for buying comprehensive.
Rural accidents
Rural areas see higher-severity accidents due to longer emergency response times.
Congested areas
Growing cities like Boise and Meridian see increased claim frequency and collisions.
Idaho Insurance After a Ticket, Accident or SR-22
Jerry helps ensure that one mistake doesn’t define your rate forever. We partner with insurers that take a broader view of your record and automatically re-shop your policy as it improves.
If you got a ticket
Idaho tracks violations using a point system; too many points in a short period can affect your license status and your premium. Even a single ticket can raise your rate for years.
Once your violation clears, Jerry checks for lower prices automatically.
Here are the average rate increases we’ve seen for Idaho drivers after a ticket:
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Speeding under 15: 36%
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Speeding over 15: 84%
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Failure to obey traffic sign: 47%
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Reckless driving: 47%
Based on Jerry customers with clean driving records and Jerry customers with one or more tickets who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Idaho is an at-fault state, so the responsible driver pays for damages. An at-fault accidentraises premiums by 8% on average, and those higher costs can stick around three to five years.
Jerry finds your best rate now and automatically re-shops your policy when the accident drops off your record.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $398 |
| At Fault With No Injury | $437 |
Based on Jerry customers with clean records and those with one or more accidents who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI brings steep increases, averaging 13% or more. Penalties and higher rates can last for several years, but some insurers still offer comparatively fair pricing for high-risk drivers.
Jerry identifies those companies and re-shops your policy as your record improves.
Here are the five cheapest carriers for Idaho drivers after a DUI conviction:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $139 | Yes | |
| $171 | Yes | |
| $181 | Yes | |
| $233 | Yes | |
| $307 | Yes |
Based on Jerry customers with clean driving records and Jerry customers with one or more DUI convictions who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Idaho
Idaho may require an SR-22 after certain violations, uninsured crashes or suspensions. Check the SR-22 option in the Jerry app and we’ll only show insurers that file them. Many charge around $25 per year for the paperwork.
Car Insurance with Bad Credit
Idaho permits insurers to use credit-based insurance scores, so credit can influence your premium. But factors like driving history, continuous coverage and deductible choices often move your rate more. Jerry compares prices instantly so you always get your best offer.
Average rates in Idaho by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Idaho’s combination of rugged terrain, unpredictable weather and high wildlife activity means there’s no one-size-fits-all policy. The best coverage is the one that fits the way you actually drive.
Jerry makes that easy by matching you with strong, affordable coverage and automatically re-shopping when you qualify for better pricing.
Get Idaho quotes in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
