Cheapest Car Insurance in Idaho
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Where Idaho posts prices, insurers are listed by cost, and you can see ways to lower what you pay
- $43.what the legal minimum costs on average each month.
- 25/50/15.the minimum liability limits.
- 47th of 51.the most expensive state (1st = highest).
Who has the lowest price in Idaho
Because Idaho doesn't publish a price comparison of insurers, official figures can't rank every company there The cheapest legal policy costs $519 a year on average, or roughly $43 a month (NAIC)
Get quotes from at least three insurers with the same limits and deductibles. A regional company, a local agent and a direct writer often quote very different prices for one driver
How to pay less
- Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $567 a year on the Idaho average.
- Raise your deductible; what you save each year often beats the extra cost of a single claim.
- Every discount should be named when you ask: multi-car, good student, paying in full. Also ask about bundling home and auto and safe-driving apps.
- Compare prices again at each renewal; a rise in one price doesn't mean other companies went up too
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