Cheap Idaho Auto Insurance Quotes
Idaho auto insurance is about the tenth cheapest in the U.S. Local motorists pay an average of $1,161/year for car insurance. Compared to all of the states that ID borders, it’s the cheapest for car insurance. The average rates for bordering states are: Wyoming - $1,390, Montana - $1,466, Utah - $1,475, Oregon - $1,573, Washington - $1,665, and Nevada - $1,854.
The lower cost of cheap auto insurance in the Gem State 
can be explained by the following: low cost of living (it is the tenth cheapest state) and mild weather. In addition, Idaho has a very low population density. Even though the territory of this mountainous state is large, its population is just a bit over 1.5 million people. Idaho is the fifth least dense U.S. state by population.
The cost of automobile insurance here varies by the area's population and weather. For example, people who live in larger cities like Boise, Nampa, Pocatello, and Idaho Falls, have to pay a little more for car insurance. Those living in small cities like Kuna and American Falls get away with cheap auto insurance quotes year round. The cost of car insurance is the lowest for those who live somewhere like McCall – on the edge of the Challis National Forest. The weather also affects car insurance rates slightly. Some areas in ID have winters with a lot of precipitation and thick cloud cover, making driving more dangerous in the winter. Other areas are the opposite – wet summers make it harder to drive. In general, Idaho has very little weather extremes, which is a positive factor for car insurance rates.
Idaho is a Tort state, where a driver will be held liable if they are deemed at fault in an accident. In this case, they will need to compensate the victim(s) for property damages and bodily injuries. In order to protect the motorist, the Idaho Department of Insurance requires that every motorist carries a certain amount of liability insurance. At the time of this writing, this limit is set at 25/50/15 (in thousands of dollars). Here’s what these numbers mean: first – bodily injury liability amount per person, second – bodily injury liability amount per accident, and third – property damage liability amount per accident. Many people choose to raise these limits for more adequate liability protection.
Even though no other types of automobile insurance are required in ID, numerous people have opted to purchase other insurance types as well. The most common of them are: personal injury protection (PIP) and physical damage coverage. Personal injury protection compensates the policyholder (driver) and their passengers for injuries sustained in an accident, as well as it can cover a part of lost wages. Physical damage coverage pays to repair or replace the policyholder’s (driver’s) vehicle, if it is damaged in an accident. Physical damage coverage is subdivided into collision and comprehensive, with the first one paying for damages ensuing from collisions and the second – for damages resulting from almost anything else.
Even though you can get cheap auto insurance in Idaho, there’s a good way to save more via comprehensive quote shopping. Simply remember: there are around 115 automobile insurance companies in ID. If you didn’t request quotes from the majority of them, you may be overpaying for your car insurance. Now may be a good time for you to explore the market and ensure that your premium rate is fair and reasonable.
