Idaho car insurance

With ice, snow, and country roads, driving safely in Idaho can be a challenge. Make sure you have the proper protection for you and your car. Learn the minimum requirements for car insurance in Idaho, as well as optional coverages to consider and ways you can save.

3 min to read

What are Idaho's auto insurance requirements?

Idaho drivers need liability coverage limits of at least:

  • $25,000 in bodily injury per person
  • $50,000 in total bodily injury per accident
  • $15,000 in property damage per accident

Although these are the minimum limits required in the Gem State, you can extend your limits to fully safeguard your assets. Learn more about auto liability insurance.

Comprehensive and collision coverage protect you and your car

Most lenders require comprehensive coverage and auto collision coverage coverage when you finance or lease a car. But even if your car is paid off, you might want to consider these coverages in case your vehicle gets damaged or stolen. With these coverages, you would only pay your deductible rather than the repair bill, or the full price of a new car.

Learn more about auto insurance coverages.

Thinking of changing car insurance policies? Drivers nationwide who switch and save with us save nearly $750 on average.* Get a car insurance quote today.

How much does auto insurance in Idaho cost?

In 2020-2021, a Progressive liability-only auto insurance policy (single driver/single car) in Idaho cost $67 per month on average.** Keep in mind that rates may vary based on your driving history, ZIP code, and the limits and coverages you choose. Learn more about rates by getting an Idaho car insurance quote through Progressive.

Does Progressive offer discounts on auto insurance?

We sure do! You can get cheaper car insurance in Idaho with a variety of discounts, such as:

  • Homeowner
  • Multi-car
  • Five-year claim-free
  • Multi-policy
  • Paid in full
  • Paperless
  • Online quote
  • Continuous insurance

Want to save money while protecting your two most valuable assets? Progressive lets you earn a discount when you bundle your auto and home insurance in Idaho. In fact, you can save money by bundling two or more Progressive policies, including car, home, renters, and RV insurance.

See all car insurance discounts.

Pro tip:

With our Name Your Price® Tool, you tell us how much you want to pay — then we'll give you options that work for you.

Facts about driving in Idaho:

  1. In 2019, an estimated 13.2% of Idaho drivers were uninsured. With uninsured motorist coverage, you're covered for injuries and damages caused by a driver without insurance.

  2. Holding a cell phone while driving is banned in Idaho. Put the phone down to stay safe and to avoid a ticket.

  3. Idaho requires everyone in a vehicle to wear a seat belt, though you can't be pulled over solely for a seat belt violation.

How to get car insurance in Idaho

Go online

We ask easy questions, and you customize your coverages.

Quote auto insurance

Call a rep

Talk with a licensed representative who can guide you through the process.

Call 1-866-749-7436

Through an agent

Connect with an independent agent in your area.

Find an agent in Idaho

Quote car insurance online or give us a call

Learn more about car insurance policies.

Have more questions? Browse articles by insurance type

See all articles by product

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.

THE #1 INSURANCE WEBSITE

Copyright 1995 - 2023. Progressive Casualty Insurance Company. All Rights Reserved.

We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

ΔDiscount varies and is not available in all states or situations.

Insurance carrier website ranking by Keynova Group – Q4 2022 Online Insurance Scorecard.

*National average 12 month savings (auto = $744, bundle = $779) by new customers surveyed who saved with Progressive between June 2022 and May 2023. Potential savings will vary.

**Average rate for a six-month liability-only Progressive auto policy with one vehicle and one driver from November 2020 through October 2021. Individual rates may be higher or lower depending on a variety of factors including, but not limited to, vehicle, age, driving record, and location.

Limited to one car, one driver 6-mo. liability only policies.