Idaho’s car insurance landscape remains affordable and stable, despite growing urbanization in cities like Boise. With low accident rates, short commutes, and minimal fraud, insurance costs are below average. However, rural driving risks, weather conditions, and an influx of new drivers are increasing pressure on premiums, especially in fast-growing counties.
Idaho Auto Insurance Facts
Drivers
- ~1.35–1.45 million licensed drivers as of 2023.
- Rapid population growth around Boise and Coeur d’Alene.
- ~94% of households own at least one vehicle.
- High number of pickups and SUVs used for rural and off-road driving.
- Uninsured driver rate ~10%.
Accidents
| Year |
Reported Crashes |
Injury Crashes |
Fatal Crashes |
| 2018
| ~26,500
| ~8,500
| 212
|
| 2019
| ~27,500
| ~8,900
| 224
|
| 2020
| ~23,300
| ~7,400
| 214
|
| 2021
| ~27,000
| ~8,600
| 271
|
| 2022
| ~27,600
| ~8,700
| 253
|
Laws & Regulations
- At-fault (tort) system.
- Optional med-pay and uninsured motorist coverage.
- Proof of insurance required at registration.
