Actual Yearly Savings
  • Jonathan
  • $1920
  • Apr 10, 2017
  • Ricky
  • $540
  • Mar 11, 2017
  • Yesebia
  • $1200
  • Mar 7, 2017
  • Walter
  • $840
  • Feb 23, 2017
  • Brittany stitch
  • $1800
  • Feb 18, 2017
  • Simon boadi
  • $1440
  • Feb 6, 2017
  • Joshua
  • $1560
  • Jan 18, 2017
  • Vanessa
  • $1404
  • Jan 6, 2017
  • Daniel
  • $600
  • Jan 1, 2017
  • Ariwah
  • $204
  • Dec 30, 2016
  • Aaron
  • $1200
  • Dec 30, 2016
  • Richard
  • $600
  • Dec 29, 2016
  • Jenaye
  • $1800
  • Dec 28, 2016
  • Gerals
  • $3600
  • Dec 27, 2016
  • Boris
  • $600
  • Dec 24, 2016
  • Ahmed
  • $100
  • Dec 18, 2016
  • Patrick
  • $600
  • Dec 17, 2016
  • Matthew gilmore
  • $300
  • Dec 12, 2016
  • Michael desmond
  • $3600
  • Dec 9, 2016
  • Ganesan
  • $100
  • Dec 9, 2016
  • Mamacita
  • $100
  • Dec 8, 2016
  • Nwaigwe
  • $1125
  • Nov 28, 2016
  • Atif ur rehman
  • $360
  • Nov 23, 2016
  • Zack
  • $1920
  • Nov 8, 2016
  • Brandon
  • $1800
  • Oct 2, 2016
  • Alex
  • $198
  • Aug 10, 2016
  • Kylah
  • $2400
  • May 2, 2016
  • Linda
  • $1200
  • Jul 4, 2015
  • Desi
  • $1200
  • Jun 22, 2015
  • Crystal
  • $300
  • Jun 22, 2015
  • Amer
  • $480
  • Jun 5, 2015
  • Jasmine
  • $2400
  • Jun 4, 2015
  • Ted
  • $120
  • May 15, 2015
  • Jeremiah
  • $1200
  • May 13, 2015
  • Cody
  • $1200
  • Apr 28, 2015
  • Arthur
  • $1500
  • Mar 19, 2015
  • Michael
  • $800
  • Mar 4, 2015
  • Babiisasha
  • $910
  • Mar 2, 2015
  • Alex
  • $516
  • Mar 2, 2015
  • Tushar
  • $2400
  • Feb 28, 2015
  • Tim
  • $300
  • Feb 28, 2015
  • Kristina
  • $1200
  • Feb 21, 2015
  • Santos
  • $1000
  • Jan 30, 2015
  • Janine
  • $1200
  • Jan 21, 2015
  • Matt
  • $150
  • Jan 16, 2015
  • Denise
  • $2100
  • Jan 9, 2015
  • Tammie
  • $1800
  • Dec 12, 2014
  • Denise
  • $1800
  • Dec 8, 2014
  • Nidia
  • $960
  • Dec 7, 2014
  • Debora
  • $240
  • Dec 4, 2014

The Cheap Car Insurance Commitment

We Stand Behind Our Commitment to do our Best to get You the Lowest Rates Online. Getting cheap car insurance quotes is so easy now.

One Good Reason to Shop With Us

"After being with my insurance company for just shy of 10 years, and after having shopped


at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."


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Cheapest Car Insurance in Idaho (ID)

Idaho, the nation’s 43rd state, earns its nickname, “The Gem State”, by being one of two places in the world where the Star Garnet can be mined. Another reason for this name is the fact that nearly every variety of gemstone has been located in this state. Although not always considered cowboy country, this state boasts some of the largest ranches and most exciting rodeos in the country. The Frank-Church River of No Return Wilderness Area boasts 2.3 million acres of protected land, creating the perftect drive through untamed countryside and vast scenic views. Freeing up drivers’ time to enjoy this state, has compiled this list of the best car insurance information every driver should know.


Car Insurance Quotes for Idaho

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Twin Falls$699.00$579.00$688.00$639.00$772.00

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Nez Perce$724.00$596.00$709.00$673.00$805.00

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Bear Lake$707.00$576.00$679.00$678.00$794.00
Nez Perce$724.00$596.00$709.00$673.00$805.00
Twin Falls$699.00$579.00$688.00$639.00$772.00
Washington$695.00$570.00$677.00$673.00$776.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

According to, Idaho’s premiums as a percentage of income hit an all-time low in 2007. Although increased since then, both average premiums and average premiums as a percentage of income fall well below the national average in Idaho.

Drunk Driving Fatalities

The National Highway Traffic Safety Administration reports that Idaho’s drunk driving fatalities had improved in 2012 after a small rise in 2011. The numbers are up again in 2014, but Idaho’s fatalities are below the national average.

Teen Drinking and Driving

The Center for Disease Control reports that Idaho’s teens drink and drive on par with their national counterparts. Both the national average and Idaho’s average measure 10.1 percent.

Vehicular Theft in Idaho

The FBI records a small increase in Idaho’s vehicle thefts; however, coming in at just above 100, the state is nowhere near the national average.


From rugged mountains to unkempt wilderness plains, Idaho’s geography changes as fast as the insurance laws that keep its drivers protected. To prepare for the drive ahead, here are the most important facts regarding everything driver-related in Idaho.

Minimum Requirements for Car Insurance in Idaho

  • Requirements for car insurance in Idaho are found on Idaho’s Department of Insurance website. Idaho law states that liability coverage is mandatory for all vehicles that are registered and operated in the state.
  • Liability Coverage minimums:
    • $25,000 coverage for an accident involving a single-individual bodily injury or death.
    • $50,000 coverage for an accident involving multiple-individual bodily injuries or deaths.
    • $15,000 for property damage coverage.
  • Citations, fees and suspension of driving privileges can result from a failure to properly insure one’s vehicle.

New Driver Licensing Requirements

  • Applicants may obtain an Idaho license upon turning 15; however, all applicants under the age of 17 must complete Idaho’s graduated drivers license program to obtain a regular drivers license. The Idaho Driver’s Manual outlines the program and the restrictions in detail. Below are the general facts regarding graduated license and regular license information in Idaho.
  • Applicants under the age of 17 must complete an approved driver training program which includes 30 hours in the classroom, 6 hours of in-car observation in a driver-training car and 6 hours of supervised driving. Successful completion of this program allows the applicant to enter the supervised instruction period. During this phase, the applicant:
    • Must pass the vision and knowledge
    • Must be accompanied by a licensed driver age 21 or older at all times
    • Must complete 50 hours of driving time with 10 of these hours including nighttime driving
    • Must ensure all occupants wear safety belts at all times
  • Completing and abiding by the above parameters, the applicant may apply for a regular Class D license. If under 18, the applicant must have a parent or guardian sign the application and provide proof of school enrollment or graduation.
  • Vision Exam. All applicants must be at least 15 years old to take the vision, written and skills tests. The vision test measures the applicant’s visual accuity, and an accuity of 20/40 in at least one eye, with or without corrective lenses, is needed to pass.
  • Written Test. New drivers and applicants whose license has been expired for 25 or more months are required to take this test. The test evaluates the applicant’s knowledge of traffic laws, signals, markings and equipment. A portion of the test also assesses the applicant’s ability to identify traffic signs by shape, color or symbol. 34 of the 40 questions must be answered correctly to pass, and the questions are derived from information found in the Idaho Driver’s Manual.
  • Road Skills Test. Skills evaluated in this test can also be located in the Idaho Driver’s Manual. The test is required for new drivers, drivers who are proceeding through the graduated license program and drivers whose license has been expired for 25 or more months. The test consists of a pre-drive checklist and the driving test. The vehicle used must be properly registered, licensed and maintained.
  • The pre-check tests requires the applicant to demonstrate knowledge regarding the following:
    • Tires
    • Brakes
    • All exterior lights
    • Windshield and wipers
    • Gauges
    • Defroster
    • Seat belts
    • Horn
    • Rear view mirrors
    • Emergency flashers
    • Arm signals
  • The road skills portion of the test evaluates the applicant’s skills in the following areas:
    • Street parking and backing
    • Parking lot driving
    • Business and residential driving
    • Freeway or highway driving
    • Four right turns and four left turns
    • Eight intersections
    • Driving through a curve
    • Lane changes
  • Failure of the written or skills tests requires an applicant to wait 3 days prior to re-taking the tests. The testing fees are required upon all re-tests.
  • Fees. The Idaho Transportation Department lists the following fees:
  • Knowledge test, $3
  • Road skills test, $24
  • Instruction permit, $15
  • Regular drivers license:
    • 1 year (age 17), $15
    • 3 years (under 18), $25
    • 3 years (age 18 – 21), $25
    • 1 year (age20), $15
    • 4 years (age 21 and over), $30
    • 8 years (age 21 – 62), $55


  • BAC limit: .08 The State of Idaho Legislature outlines the penalties for DUI convictions. Idaho also requires stricter penalties for DUI convictions with BAC of .2 or higher; information for which can be found in the publication entitled What You Should Know About Idaho’s DUI Laws:
  • First Offense – misdemeanor:
    • Maximum 6 months imprisonment
    • Maximum $1,000 fine
    • License suspension from 90 to 180 days
  • Second Offense within 10 Years – misdemeanor:
    • Minimum 10 days and maximum 1 year imprisonment
    • Maximum $2,000 fine
    • Minimum license suspension of 1 year from the date of release from imprisonment
    • Mandatory Ignition Interlock System
  • Third Offense within 10 Years – felony:
    • Minimum 30 days and maximum 5 years imprisonment
    • Maximum $5,000 fine
    • Minimum 1 year and maximum 5 year license suspension from the date of release from imprisonment
    • Mandatory Ignition Interlock System

Texting & Driving Laws

Idaho has banned texting for all drivers, according to The state has also taken proactive steps to combat distracted driving, and much more information can be found in the Idaho Transportation Department’s Strategic Highway Safety Plan Update.

Unique Laws

Idaho’s history is as varied as its laws. This is illustrated in Idaho’s declaration that it is illegal to fish from a camel’s back. Just to make sure residents don’t find a way around that one, Idaho law also makes it illegal to fish from a giraffe’s back as well. Drivers are concerned with their roadways in Idaho, and perhaps that is why the state has prohibited any citizen from sweeping dirt from his/her house into the roadway!


State Department of Insurance

Idaho Department of Insurance
700 W. State St.
P.O. Box 83720
Boise, ID 83720-0043
(208) 334-4250
SHIBA: 800-247-4422
Get Directions

Department of Transportation

Idaho Transportation Department
3311 W. State Street
Boise, ID 83707-1129
(208) 334-8000
Get Directions

Department of Motor Vehicles

Idaho Transtportation Department
Division of Motor Vehicles
3311 W. State St.
Boise, ID 83707-1129
(208) 334-8735
Get Directions

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