Liability Car Insurance in Idaho
Numbers refreshed
In Idaho, the cheapest legal policy: its cost and what it leaves out.
- For liability, the monthly average is $43.
- The minimum liability limits are 25/50/15.
- Cost rank: 47th of 51 (1st = highest).
What does liability cost in Idaho?
In Idaho, liability-only car insurance averages $519 each year, or about $43 monthly. For liability, this state ranks 40th for cost.
| 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).
What minimum limits leave you paying
In Idaho, the required minimum is 25/50/15 liability. It provides $25,000 per injured person, $50,000 for everyone injured in one crash and $15,000 for other people's property damage.
Liability pays other people. Unless you add collision coverage, you pay for repairs to your own car.
If crash costs exceed your limits, the remaining amount may be claimed from you. Higher limits generally add much less to your premium than they add to your protection.
First written