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Cheapest Car Insurance in Idaho

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 perfect 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.


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 acuity, and an acuity 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!


Best Cheap Car Insurance Quotes for Idaho

Ada County Car Insurance

Home to more than a quarter of the state's residents, Ada County had a population of 392,365 in 2010. The most populous county in Idaho includes its largest city and state capital, Boise. The Boise State Capitol building was built from sandstone from nearby Table Rock, with an interior of white marble. It is the only such building to be heated by geothermal water, tapped and pumped from 300 feet under the ground.

Not to be confused with Boise County, the City of Boise is home to Boise State University, founded in 1932 by the Episcopal Church. The campus became Idaho's third state university in 1974. Its football stadium was the first non-green football field in the world.

County Sedan Suv Coupe Truck Hybrid
Ada $629.00 $532.00 $601.00 $635.00 $672.00

Canyon County Car Insurance

Within commuting distance from downtown Boise via Interstate 84, Canyon County is Idaho's second most populous county, encompassing Lake Lowell. The county seat, Caldwell, is home to the Albertson College of Idaho, the state's oldest four-year institution of higher learning.

The largest city in the county, Nampa, is the site of the historic Nampa Train Depot, which was once a stop on the Oregon Short Line. Built in 1903, the ornamental structure is among the most noted of Idaho's many restored train depots. Other points of interest include the Warhawk Air Museum, Deer Flat Wildlife Refuge and Canyon County Historical Museum.

County Sedan Suv Coupe Truck Hybrid
Canyon $682.00 $572.00 $646.00 $690.00 $732.00

Kootenai County Car Insurance

Just west of Spokane, Wash. across the border is the west Idaho County of Kootenai, home to 138,494 at the 2010 Census. Interstate 90 bisects the county going east to west, as does the meandering Spokane River. The county seat and largest city, Coeur d'Alene, lies 30 miles east of Spokane, Wash.

Coeur d'Alene's Christmas lighting display is among the largest in the U.S., and "Good Morning America" broadcast its lighting ceremony in 2007. Much of the city's downtown is occupied by the popular Coeur d'Alene Resort. The unincorporated community of Cataldo is home to the oldest building in Idaho, the Mission of the Sacred Heart built in 1850.

County Sedan Suv Coupe Truck Hybrid
Kootenai $711.00 $595.00 $673.00 $724.00 $767.00

Bonneville County Car Insurance

Located in southeast Idaho, Bonneville County is across the state line from Wyoming. Home to about 105,000, it is the state's fourth most populous county, and the most populous in eastern Idaho. Its county seat, Idaho Falls, was once Eagle Rock, the first non-native settlement in the county.

Home to world class outdoor recreation and a thriving economic base, Idaho Falls is a hub for eastern Idaho and western Wyoming. The city attracts many tourists visiting nearby Yellowstone and Grand Teton National parks. Points of interest include an extensive greenbelt, or "river belt" along the Snake River.

County Sedan Suv Coupe Truck Hybrid
Bonneville $722.00 $606.00 $684.00 $734.00 $778.00

Bannock County Car Insurance

West of the Snake River along both sides of Interstate 15 South, Bannock County in southeast Idaho is home to about 83,000. The county seat is Pocatello, home to Idaho State University as well as unique points of interest such as the "Museum of Clean," dedicated to the art of cleaning.

The county encompasses part of the 1-million-acre Caribou National Forest, established by President Theodore Roosevelt in 1907. Popular for its natural thermal springs, the community of Lava Hot Springs is a popular resort destination. Another noted attraction is the Fort Hall Replica. Once a major trading post on the Oregon Trail, Fort Hall was also a central meeting place where the California and Oregon trails diverged. The original structure has long since decayed, but the replica provides educational opportunities.

County Sedan Suv Coupe Truck Hybrid
Bannock $669.00 $549.00 $621.00 $690.00 $737.00

Twin Falls County Car Insurance

Extending northward from the Idaho-Nevada border to the Snake River, which forms its northern boundary, Twin Falls County encompasses the Hagerman Fossil Beds National Monument and part of the Sawtooth National Forest. Its largest city, Twin Falls, is also the county seat.

Twin Falls was the site of Evel Knievel's failed 1974 motorcycle jump across Snake River Canyon, which forms part of the county's boundary with neighboring Jerome County. Popular points of interest are the frighteningly tall and stunning Perrine Bridge spanning the Canyon, the Snake River Canyon Trail and Shoshone Falls.

County Sedan Suv Coupe Truck Hybrid
Twin Falls $639.00 $534.00 $604.00 $648.00 $687.00

Bingham County Car Insurance

Just south of Idaho Falls in southeast Idaho is Bingham County, home to a population of 45,607 at the 2010 Census. The county is bisected by Interstate 15 from Idaho Falls to Pocatello to the south.

Bingham County is arguably the most potato-themed county in the state. The county seat is Blackfoot, home to the official Idaho Potato Museum. The small town of Shelley has been the home of the Idaho Annual Spud Day event since 1927, featuring a parade, live bands, a Spud Tug and spud-picking contest, as well as free baked potatoes for the public. Shelley's local high school has a russet potato as it mascot.

County Sedan Suv Coupe Truck Hybrid
Bingham $721.00 $602.00 $682.00 $733.00 $779.00

Bonner County Car Insurance

Located in the northern tip of Idaho, Bonner County lies at the Washington border, just northwest of Spokane. The county encompasses the Kaniksu National Forest as well as the state's largest lake, the 43-mile long Lake Pend Oreille. On its shores is the county seat of Sandpoint.

Bonner County is home to Idaho's largest ski resort, Schweitzer Mountain Resort. Popular with visitors is Schweitzer Mountain, Sandpoint City Beach, water sports and boat tours. Sandpoint is the headquarters for Coldwater Creek, a national women's apparel retailer, as well as salad dressing manufacturer Litehouse Foods.

County Sedan Suv Coupe Truck Hybrid
Bonner $716.00 $591.00 $669.00 $723.00 $781.00

Nez Perce Car Insurance

Partly encompassing the Nez Perce Reservation, Nez Perce County in northern Idaho is separated from neighboring Washington by the Snake River. The Clearwater River winds through its northern portion. Lewiston, the county seat, thrives on agriculture, paper and timber products. It is home to the Lewis-Clark State College.

Hells Gate State Recreation Area is located at the entrance of Hell's Canyon, the deepest canyon in North America, carved by the Snake River. Boating, rafting, camping and hiking are popular with visitors to the canyon. The community of Lapwai has a spot in Idaho history. Henry Harmon Spalding brought the first potato to Lapwai in 1836 to help the Nez Perce tribe grow food.

County Sedan Suv Coupe Truck Hybrid
Nez Perce $681.00 $566.00 $641.00 $695.00 $740.00

Latah County Car Insurance

Situated among the rolling hills of north central Idaho, Latah County is named for the creek that flows through its northwest corner. In the Nez Perce language, the name means "the place of pine trees and pestle." The county seat, Moscow, is home to the University of Idaho, the state's primary research university and largest employer in the area, which is otherwise largely Agricultural. Founded in 1889, the university was the only one in the state for 71 years. Its College of Law, founded in 1909, was the first to be accredited by the American Bar Association in 1925.

Containing roughly 60 percent of the county's population, Moscow lies at the Washington state border. The university's Arboretum and Botanical Garden is a popular attraction for visitors all during the year, but particularly in spring. Other points of interest are the Latah Trail Bike Path, Hamilton-Lowe Aquatic Center and Appaloosa Museum and Heritage Center.

County Sedan Suv Coupe Truck Hybrid
Latah $681.00 $566.00 $641.00 $685.00 $740.00

County Sedan Suv Coupe Truck Hybrid
Ada $629.00 $532.00 $601.00 $635.00 $672.00
Adams $652.00 $539.00 $612.00 $667.00 $710.00
Bannock $669.00 $549.00 $621.00 $690.00 $737.00
Bear Lake $650.00 $533.00 $602.00 $671.00 $716.00
Benewah $713.00 $588.00 $665.00 $733.00 $781.00
Bingham $721.00 $602.00 $682.00 $733.00 $779.00
Blaine $720.00 $592.00 $672.00 $640.00 $788.00
Boise $652.00 $539.00 $612.00 $667.00 $710.00
Bonner $716.00 $591.00 $669.00 $723.00 $781.00
Bonneville $722.00 $606.00 $684.00 $734.00 $778.00
Boundary $713.00 $586.00 $665.00 $733.00 $781.00
Butte $720.00 $598.00 $672.00 $709.00 $788.00
Camas $652.00 $539.00 $612.00 $667.00 $710.00
Canyon $682.00 $572.00 $646.00 $690.00 $732.00
Caribou $659.00 $541.00 $612.00 $680.00 $726.00
Cassia $646.00 $538.00 $609.00 $655.00 $696.00
Clark $720.00 $598.00 $672.00 $709.00 $788.00
Clearwater $719.00 $597.00 $676.00 $734.00 $781.00
Custer $720.00 $598.00 $672.00 $742.00 $788.00
Elmore $600.00 $497.00 $564.00 $612.00 $652.00
Franklin $669.00 $549.00 $621.00 $690.00 $736.00
Fremont $692.00 $576.00 $648.00 $711.00 $755.00
Gem $652.00 $539.00 $612.00 $667.00 $710.00
Gooding $654.00 $547.00 $618.00 $661.00 $704.00
Idaho $692.00 $570.00 $645.00 $711.00 $758.00
Jefferson $720.00 $598.00 $672.00 $738.00 $784.00
Jerome $676.00 $566.00 $641.00 $684.00 $726.00
Kootenai $711.00 $595.00 $673.00 $724.00 $767.00
Latah $681.00 $566.00 $641.00 $685.00 $740.00
Lemhi $720.00 $598.00 $672.00 $742.00 $788.00
Lewis $714.00 $591.00 $669.00 $704.00 $779.00
Lincoln $682.00 $570.00 $643.00 $694.00 $736.00
Madison $679.00 $565.00 $637.00 $697.00 $740.00
Minidoka $646.00 $538.00 $610.00 $656.00 $697.00
Nez Perce $681.00 $566.00 $641.00 $695.00 $740.00
Oneida $669.00 $549.00 $621.00 $690.00 $737.00
Owyhee $635.00 $526.00 $597.00 $649.00 $691.00
Payette $643.00 $532.00 $605.00 $638.00 $698.00
Power $669.00 $549.00 $621.00 $690.00 $737.00
Shoshone $696.00 $572.00 $651.00 $714.00 $762.00
Teton $720.00 $598.00 $672.00 $742.00 $788.00
Twin Falls $639.00 $534.00 $604.00 $648.00 $687.00
Valley $652.00 $539.00 $612.00 $667.00 $710.00
Washington $640.00 $529.00 $600.00 $655.00 $699.00 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, accidents, 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 car insurance 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.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver Rating Best Rate Option
Good driversSafeco
Young driversSafeco
High-mileage driversSafeco
Drivers with points on recordSafeco


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

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