Full Coverage Car Insurance in Idaho
Numbers refreshed
Liability, collision and comprehensive together, priced from the Idaho averages.
- Full coverage averages $91 a month.
- Minimum liability limits of 25/50/15.
- 47th of 51.states. Most expensive state (1st = highest).
Idaho: what full coverage costs
Full coverage adds collision and comprehensive to liability. Those two parts cost $567 a year in Idaho, added to the $519 liability average.
| Coverage in Idaho | Per year | Per month |
|---|---|---|
| Liability | $519 | $43 |
| Collision | $369 | $31 |
| Comprehensive | $198 | $16 |
| Full coverage (all three) | $1,086 | $91 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The point where full coverage stops being worth it
If you still owe money on the car, lenders and lease companies require full coverage.
After you've paid off the car, compare its value against the $567 a year that extra cover costs. If premiums in one bad year would buy most of the car, liability coverage alone is usually the better deal.
Full coverage for each car in Idaho
These estimates cover an adult with a clean record and come from IIHS-HLDI loss results. Among the 40 models we price, these are the cheapest and the most expensive:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $698 | $58 |
| Honda CR-V | $704 | $59 |
| Subaru Outback | $752 | $63 |
| Toyota RAV4 | $819 | $68 |
| Mercedes-Benz C-Class | $1,477 | $123 |
| Chevrolet Camaro | $1,723 | $144 |
| Dodge Charger | $1,939 | $162 |
| Dodge Challenger | $2,023 | $169 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
First written