Idaho Auto Insurance Requirements, Costs & Coverage Guide 2026
✓ Updated January 2026 – Based on Real Idaho Quotes

Idaho Auto Insurance Requirements & Costs

Complete guide to Idaho car insurance requirements, average rates, and coverage options with current 2026 data. We’re a licensed insurance broker serving 34 states, not an insurance carrier—we help you compare multiple providers to find the best rates.

Get Quote Now 📞 Call 888-445-2793

Key Takeaways: Idaho Auto Insurance Data

Data Source: All rates and statistics on this page are based on real first-party auto insurance quotes collected by our licensed agents in Idaho. This is not national average data or advertised rates—these numbers reflect actual consumer quote activity in Idaho during 2026.

Average Monthly Rate in ID
$186
Based on real quotes from our licensed agents—higher than national average
Liability vs Full Coverage
$179 vs $194
Dairyland liability-only at $178.51 vs Progressive full coverage at $194.45
Price Range Across Carriers
$179-$194
9% spread between Dairyland ($179) and Progressive ($194)
Idaho Minimum Requirements
25/50/15
Idaho’s 25/50/15 minimums—note lower $15k property damage vs most states

Idaho Auto Insurance Requirements

Idaho law requires all drivers to carry minimum liability insurance coverage. Understanding these requirements is essential for legal compliance and financial protection.

At A Plus Insurance, we work with multiple insurance providers to help you find the best coverage for your needs and budget.

Coverage Type Minimum Required What It Covers
Bodily Injury (per person) $25,000 Medical expenses and lost wages for one person injured in an accident you cause
Bodily Injury (per accident) $50,000 Total medical expenses and lost wages for all people injured in an accident you cause
Property Damage $25,000 Damage to another person’s vehicle or property in an accident you cause
Important: These are legal minimums. Most drivers benefit from higher coverage limits to protect against serious accidents. Consider 50/100/50 or 100/300/100 for better protection.

Optional but Recommended Coverage

While not legally required, these coverages provide crucial protection:

  • Uninsured/Underinsured Motorist: Protects you if hit by a driver with no insurance or insufficient coverage
  • Collision: Covers damage to your vehicle from accidents, regardless of fault
  • Comprehensive: Covers non-collision damage (theft, vandalism, weather, animals)
  • Medical Payments (MedPay): Covers medical expenses for you and passengers, regardless of fault

Learn more about different coverage types on our auto insurance guide, or explore Idaho liability insurance options in detail.

Average monthly auto insurance rate by state

Filters: Filters: State ID

Source ... A Plus Insurance Quote Dataset

ID
$186.48
  • Pricing ranges from $186.48 (ID) to $186.48 (ID) ... a spread of $0.00.
  • Based on real auto insurance quotes grouped into 1 company results, the average across this view is $186.48. The spread is about 0% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1433 20260206-1100-2754 2026-02-06 ID BURLEY 83318 2006 CHRYSLER 300 TOURING 21 female single liability_only Dairyland 178.51 1 0 0
1433 20260206-1100-2754 2026-02-06 ID BURLEY 83318 2006 CHRYSLER 300 TOURING 21 female single liability_only Dairyland 178.51 1 0 0
1432 20251204-112811-8923 2025-12-04 ID GRANGEVILLE 83530 2003 DODGE RAM 2500 SLT 33 male single full_coverage Progressive 194.45 0 0 0
1432 20251204-112811-8923 2025-12-04 ID GRANGEVILLE 83530 2020 TOYOTA COROLLA L 33 male single full_coverage Progressive 194.45 0 0 0

How Violations & Risk Factors Affect Your Idaho Rates

Your driving record and risk profile significantly impact insurance costs in Idaho. Understanding these factors helps you anticipate rate changes and make informed decisions.

Understanding SR-22 Insurance in Idaho

An SR-22 is not insurance itself, but a certificate of financial responsibility filed by your insurance company with the Idaho Department of Public Safety. You may need an SR-22 if you have:

  • DUI or DWI conviction
  • Multiple traffic violations in a short period
  • At-fault accident without insurance
  • License suspension or revocation
  • Conviction for driving without insurance
SR-22 Cost Impact: Drivers requiring SR-22 certification typically pay 50-80% more for auto insurance. The SR-22 filing itself costs $15-50, but the underlying violation causes the major rate increase. SR-22 is usually required for 3 years in Idaho.

Need SR-22 insurance? Learn more about SR-22 insurance in Idaho and get quotes from providers who specialize in high-risk coverage.

How DUI Affects Your Idaho Insurance Rates

A DUI conviction has severe consequences for auto insurance in Idaho:

  • Rate Increase: Average increase of 60-100% for 3-5 years
  • SR-22 Requirement: Mandatory filing for minimum 3 years
  • Limited Options: Many standard insurers will not cover DUI drivers
  • Long-term Impact: DUI stays on your record for 10 years in Idaho

After a DUI, you’ll need to obtain coverage from high-risk or non-standard insurance providers. Rates gradually decrease as time passes without additional violations, but expect elevated premiums for several years.

Common Traffic Violations and Rate Impacts in Idaho

Violation Type Typical Rate Increase Duration of Impact
Speeding (15+ mph over) 20-30% 3 years
At-fault accident 30-50% 3-5 years
Reckless driving 40-70% 3-5 years
DUI/DWI 60-100% 5-10 years
Driving without insurance 50-80% 3 years
Good News: Maintaining a clean driving record for 3-5 years can significantly reduce rates. Many insurers offer accident forgiveness and safe driver discounts.

Liability only vs full coverage by company

Filters: State ID

Source ... A Plus Insurance Quote Dataset

Liability only Full coverage
Progressive
—
$194.45
Dairyland
$178.51
—

Across these carriers, liability only averages $178.51 per month, while full coverage averages $194.45.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1433 20260206-1100-2754 2026-02-06 ID BURLEY 83318 2006 CHRYSLER 300 TOURING 21 female single liability_only Dairyland 178.51 1 0 0
1433 20260206-1100-2754 2026-02-06 ID BURLEY 83318 2006 CHRYSLER 300 TOURING 21 female single liability_only Dairyland 178.51 1 0 0
1432 20251204-112811-8923 2025-12-04 ID GRANGEVILLE 83530 2003 DODGE RAM 2500 SLT 33 male single full_coverage Progressive 194.45 0 0 0
1432 20251204-112811-8923 2025-12-04 ID GRANGEVILLE 83530 2020 TOYOTA COROLLA L 33 male single full_coverage Progressive 194.45 0 0 0

Cheapest auto insurance companies

Filters: Filters: State ID

Source ... A Plus Insurance Quote Dataset

Progressive
$194.45
Dairyland
$178.51
  • Pricing ranges from $178.51 (Dairyland) to $194.45 (Progressive) ... a spread of $15.94.
  • Based on real auto insurance quotes grouped into 2 company results, the average across this view is $186.48. The spread is about 9% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1433 20260206-1100-2754 2026-02-06 ID BURLEY 83318 2006 CHRYSLER 300 TOURING 21 female single liability_only Dairyland 178.51 1 0 0
1433 20260206-1100-2754 2026-02-06 ID BURLEY 83318 2006 CHRYSLER 300 TOURING 21 female single liability_only Dairyland 178.51 1 0 0
1432 20251204-112811-8923 2025-12-04 ID GRANGEVILLE 83530 2003 DODGE RAM 2500 SLT 33 male single full_coverage Progressive 194.45 0 0 0
1432 20251204-112811-8923 2025-12-04 ID GRANGEVILLE 83530 2020 TOYOTA COROLLA L 33 male single full_coverage Progressive 194.45 0 0 0

Driver age average monthly by area

Filters: Filters: State ID

Source ... A Plus Insurance Quote Dataset

21
$178.51
33
$194.45
  • Pricing ranges from $178.51 (21) to $194.45 (33) ... a spread of $15.94.
  • Based on real auto insurance quotes grouped into 2 company results, the average across this view is $186.48. The spread is about 9% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1433 20260206-1100-2754 2026-02-06 ID BURLEY 83318 2006 CHRYSLER 300 TOURING 21 female single liability_only Dairyland 178.51 1 0 0
1433 20260206-1100-2754 2026-02-06 ID BURLEY 83318 2006 CHRYSLER 300 TOURING 21 female single liability_only Dairyland 178.51 1 0 0
1432 20251204-112811-8923 2025-12-04 ID GRANGEVILLE 83530 2003 DODGE RAM 2500 SLT 33 male single full_coverage Progressive 194.45 0 0 0
1432 20251204-112811-8923 2025-12-04 ID GRANGEVILLE 83530 2020 TOYOTA COROLLA L 33 male single full_coverage Progressive 194.45 0 0 0

Driver sex average monthly by area

Filters: Filters: State ID

Source ... A Plus Insurance Quote Dataset

male
$194.45
female
$178.51
  • Pricing ranges from $178.51 (female) to $194.45 (male) ... a spread of $15.94.
  • Based on real auto insurance quotes grouped into 2 company results, the average across this view is $186.48. The spread is about 9% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1433 20260206-1100-2754 2026-02-06 ID BURLEY 83318 2006 CHRYSLER 300 TOURING 21 female single liability_only Dairyland 178.51 1 0 0
1433 20260206-1100-2754 2026-02-06 ID BURLEY 83318 2006 CHRYSLER 300 TOURING 21 female single liability_only Dairyland 178.51 1 0 0
1432 20251204-112811-8923 2025-12-04 ID GRANGEVILLE 83530 2003 DODGE RAM 2500 SLT 33 male single full_coverage Progressive 194.45 0 0 0
1432 20251204-112811-8923 2025-12-04 ID GRANGEVILLE 83530 2020 TOYOTA COROLLA L 33 male single full_coverage Progressive 194.45 0 0 0

Auto Insurance Coverage Across Idaho Counties

Find detailed auto insurance information, rates, and requirements specific to your Idaho county.

Jefferson County Nampa County Madison County Meridian County Shelby County Baldwin County Pocatello County Lee County Morgan County Calhoun County Houston County Etowah County Limestone County Marshall County Lauderdale County St. Clair County Colbert County Elmore County Talladega County DeKalb County

Frequently Asked Questions

What are the minimum auto insurance requirements in Idaho?
Idaho requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. This is the legal minimum to drive in Idaho, though most financial advisors recommend higher limits for better protection.
How much does auto insurance cost in Idaho?
Auto insurance costs in Idaho vary widely based on location, driving record, age, vehicle, and coverage level. On average, liability-only coverage costs significantly less than full coverage. Urban areas like Boise and Nampa typically have higher rates than rural counties due to accident frequency and theft rates. The best way to find your actual cost is to compare quotes from multiple providers.
Is Idaho a no-fault insurance state?
No, Idaho is an at-fault state. This means the driver who causes an accident is responsible for damages through their liability insurance. The at-fault driver’s insurance pays for injuries and property damage to other parties. This is why adequate liability coverage is crucial in Idaho.
What happens if I get caught driving without insurance in Idaho?
Driving without insurance in Idaho results in serious penalties: fines, suspension of your driver’s license and vehicle registration, potential SR-22 requirement for future coverage, and significantly higher insurance rates when you reinstate coverage. Idaho takes uninsured driving very seriously, and penalties increase for repeat offenses.
Do I need SR-22 insurance in Idaho?
You need SR-22 insurance in Idaho if you’ve had a DUI/DWI, multiple serious traffic violations, an at-fault accident without insurance, or your license was suspended or revoked. The SR-22 is a certificate your insurance company files with the Idaho Department of Public Safety proving you carry the required minimum coverage. It’s typically required for 3 years and increases your insurance rates by 50-80%.
How does a DUI affect my car insurance rates in Idaho?
A DUI in Idaho typically increases your insurance rates by 60-100% and remains on your driving record for 10 years. You’ll need to file an SR-22 for at least 3 years, and many standard insurance companies won’t cover you, forcing you to seek high-risk insurers. Rates gradually decrease over time if you maintain a clean record, but expect elevated premiums for 5-10 years.
Should I get more than the minimum coverage in Idaho?
Yes, most insurance experts recommend purchasing more than Idaho’s minimum 25/50/25 coverage. These minimums may not cover all damages in a serious accident, leaving you personally liable for the difference. Consider at least 50/100/50 or 100/300/100 coverage, plus uninsured motorist coverage, to protect your assets. The additional cost is usually modest compared to the increased protection.
How often should I shop for new car insurance rates in Idaho?
You should compare car insurance quotes every 6-12 months, even if you’re satisfied with your current provider. Insurance rates change frequently based on market conditions, and you may qualify for new discounts or find better rates elsewhere. Life changes like marriage, moving, or buying a home can also significantly affect your rates. Shopping around regularly can save Idaho drivers $400 or more annually.
Jayleen Ridgeway - Marketing Manager

Jayleen Ridgeway

Marketing Manager

Data-driven marketing strategist specializing in insurance rate analysis, pricing trends, and consumer insights derived from real-world first-party data. With a background in SaaS technology, Jayleen leads all marketing and social media efforts while uncovering actionable trends from monthly, quarterly, and yearly insurance data.
💼 LinkedIn ✍️ Medium 📧 Substack
Recent Articles by Jayleen
Meet Our Other Insurance Experts
Lauren McKenzie - Senior Licensed Agent Crystal - Administrative Manager & Senior Licensed Agent Zee Caddick - Customer Service Rep & Marketing Assistant

Related Topics: Idaho auto insurance, car insurance Idaho, AL insurance rates, cheap car insurance Idaho, affordable auto insurance AL, Idaho liability insurance, SR22 insurance Idaho, Idaho car insurance requirements, auto insurance costs Idaho, best car insurance AL, Idaho insurance quotes, full coverage AL, liability only Idaho, AL insurance companies, auto insurance Idaho online, Boise car insurance, Meridian auto insurance, Nampa insurance rates, Idaho Falls car insurance, Pocatello insurance

Ready to Compare Idaho Auto Insurance Rates?

Get personalized quotes from top-rated insurance providers in minutes

Get Your Free Quote

Or call us at 888-445-2793

Last Updated on by Jayleen Ridgeway

Related posts:

  1. Amazing Progressive Insurance in Idaho
  2. Motorcycle Insurance in Idaho
  3. Idaho Homeowners Insurance
  4. non owners insurance Idaho
  5. cheap idaho car insurance
Scroll to Top