Get an Idaho car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Idaho
Idaho auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programIdaho minimum car insurance requirements (25/50/15)
It's illegal to drive without car insurance in Idaho. To drive legally, you need to have at least the following coverage amounts and minimums in Idaho.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $15,000 per accident |
Visit the Idaho Department of Insurance to learn more about minimum coverage requirements.
Average car insurance cost in Idaho, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Idaho is about $1,428 per year.
Idaho drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Who offers cheap car insurance in Idaho?
Finding the cheapest car insurance in Idaho may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
What are the Idaho teen driver laws?
Idaho uses a graduated driver licensing system that introduces new drivers to the road in stages. Teens may begin with a supervised instruction permit, complete required driver training and practice, and then move to a restricted license before receiving full driving privileges.
Because ages, practice requirements, and restrictions can change, families should confirm the current rules with the Idaho Division of Motor Vehicles before a teen begins driving.
Is Idaho a no-fault state?
No. Idaho is an at-fault state, which means the driver responsible for an accident may be liable for the resulting injuries and property damage. Idaho does not require Personal Injury Protection.
Drivers may instead consider options such as Medical Payments coverage and Uninsured/Underinsured Motorist coverage. Idaho policies generally include UM and UIM bodily injury coverage unless the named insured rejects them in writing. Review current requirements through the Idaho Department of Insurance.
Idaho car insurance FAQs
- To get car insurance in Idaho, you will typically provide information about each driver, vehicle, annual mileage, and where the vehicle is kept. You can then select limits and optional coverages based on your budget, vehicle, and driving needs.
Liberty Mutual's car insurance coverage calculator can help you think through available options before getting a quote.
- Idaho requires continuous insurance coverage for registered vehicles and uses its Drive Insured verification program to compare registration records with insurer data. Drive Insured is Idaho's vehicle insurance verification program. Insurers report covered vehicles, and the state compares that information with registration records.
When the state cannot verify coverage, it may request proof or an applicable exemption before taking registration action. Confirm current procedures through the Idaho Department of Insurance.
- Several factors may affect your Idaho car insurance rate, including your driving record, age, driving experience, vehicle, annual mileage, location, coverage limits, and deductibles. Local claim patterns and weather-related risks may also influence rates.
A clean driving history, appropriate deductibles, and available discounts may help manage your premium.
- Idaho requires minimum liability coverage, but drivers may consider higher liability limits for additional financial protection. Collision coverage may help with covered crash damage to your vehicle, while Comprehensive coverage may help with covered losses such as hail, theft, wildfire, or an animal strike.
Uninsured/Underinsured Motorist coverage and Medical Payments coverage may also provide additional protection, depending on your needs and policy.