Idaho Falls, ID Car Insurance

Drivers in Idaho Falls pay, on average, $55 a month for their car insurance. Read our guide below to learn more about your specific rates.
What rates should residents of Idaho Falls expect to pay for their car insurance? Are rates in Idaho Falls higher or lower than those in neighboring areas? How do they compare to the rest of Idaho? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Idaho Falls?

Area Average Monthly Car Insurance Premium
Idaho Falls$55
ID$48
United States$80

You can see in the chart above that it's around $7 a month more expensive to insure your vehicle in Idaho Falls than it is in the rest of Idaho.

Compared to the national average cost of auto insurance coverage, Idaho Falls has lower rates. It's around $25 less to insure your vehicle compared to the average rate for the United States as a whole.

Although these are the average car insurance rates in Idaho Falls, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

Don't worry, we've done the work for you and broken down the average rates for Idaho Falls to help you understand what your monthly premium might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$86
25-34$38
35-44$51
45-54Not Enough Data
55-64$29
65+$30

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Idaho Falls drivers may see their rates rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$55
Female$55

Car insurance rates for women are generally cheaper than they are for men. Male and female drivers in Idaho Falls, however, both pay the same monthly amount for car insurance.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$72
Multiple Accidents$66
1 Ticket$123
Multiple Tickets$64

Your driving record can have a huge impact on your car insurance rates. Those with clean records will obviously pay much less than those with infractions. In Idaho Falls, having a single accident on your record will usually get you rates around $72 a month. In addition, drivers with one ticket can expect to pay around $123 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$34
2-3 Years$30
4-5 Years$61
6-7 Years$62
8-10 Years$74
11-14 Years$55
15 Years or Older$54

As you can see in the first table above, the cheapest vehicles to insure in Idaho Falls are by and large trucks and vans, which run about $45 per month.

SUV drivers will see rates of about $58, while the rates for car owners average out to about $54 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Idaho Falls, vehicles eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$59
Married$48
Divorced$31
Widowed$33

Overall, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Idaho Falls is about $11 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$48
Rent$59
Live with parents$78

Another factor that comes into play is your living situation. In Idaho Falls, homeowners can expect to pay around $11 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Idaho Falls, ID

Recent trends in car insurance for Idaho Falls drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

In Idaho Falls, car insurance rates increased from 2016-2017, before trending downward from 2018-2019. They finished down in 2021, at $35 a month.

How does Idaho Falls compare to neighboring areas?

Why are car insurance rates in Idaho Falls different from other areas?

Car insurance companies look at a variety of factors when they're choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

  • Crime rates
  • Laws
  • Off-street parking accessibility
  • General road safety (how many accidents each locality has)
  • Total amount of drivers in the community

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Idaho Falls?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Don't worry, Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer coverage in Idaho Falls in no time.

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Idaho Falls Insurance FAQs

What factors affect car insurance quotes in Idaho Falls?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Idaho Falls different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Idaho Falls?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Idaho Falls?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Idaho Falls or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

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