Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Idaho apart
Consistently one of the cheapest states; low density, low theft.
Minimum vs. full coverage in Idaho
What each coverage level costs on the Idaho average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $440 | $37 |
| Liability Only | $720 | $60 |
| Full | $1,300 | $108 |
| Full Low Deductible | $1,590 | $132 |
Minimum coverage saves about $865/yr vs full — but caps protection at 25/50/15. One at-fault crash above those limits and the gap is yours.
Idaho car insurance FAQ
- What's the minimum car insurance required in Idaho?
- Idaho's state minimum is 25/50/15 — $25k bodily injury per person, $50k per accident, $15k property damage. Minimum-only runs about $440/yr but leaves you exposed above those caps.
- How much is full coverage in Idaho?
- Representative full coverage averages $1,305/yr (about $109/mo), ranking Idaho #4 of 51 states for cost.
- Why is Idaho car insurance priced the way it is?
- Consistently one of the cheapest states; low density, low theft.