Idaho Insurance Agencies by County

How to Lower Your Car Insurance in Idaho (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in Idaho? Whether you’re commuting in Boise, driving mountain highways, or traveling rural roads, there are practical ways to keep premiums down. This overview explains how Idaho insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Idaho Score You

• Driving history – Accidents, tickets, DUIs, and prior claims raise risk.
• Credit score – Idaho allows credit-based insurance scoring; better credit often lowers rates.
• Location – Urban traffic vs. rural driving affects claim frequency.
• Vehicle type – Repair costs, safety ratings, and theft risk matter.
• Annual mileage – Lower mileage can qualify for discounts.
• Coverage choices – Higher limits and full coverage cost more; higher deductibles usually lower premiums.

10 Ways to Lower Your Car Insurance in Idaho

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if affordable.
5. Ask about telematics or usage-based programs.
6. Check all discounts (safe driver, multi-car, homeowner, paid-in-full).
7. Consider liability-only on older vehicles.
8. Choose vehicles with lower repair costs.
9. Avoid coverage lapses.
10. Re-shop every 6–12 months.

Idaho Minimum Auto Insurance Requirements

Idaho generally requires at least 25/50/15 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage per accident. Many drivers choose higher limits for added protection.

Winter Roads, Wildlife, and Comprehensive Coverage

Idaho drivers face snow/ice, mountain driving, and wildlife collisions. Comprehensive coverage can help protect your vehicle from non-collision damage such as theft, vandalism, falling objects, and animal impacts.

Use the county list above to explore local insurance agencies in your area and compare options side-by-side.