Idaho has one of the lowest population densities in the nation, with just 19 people per square mile. To insurers, this is good news because it means lower traffic density, which translates into fewer accidents. It also minimizes the number of auto thefts; in fact, Idaho ranks second-lowest in the nation for vehicles stolen each year.
Of course, your rates will vary significantly depending on where you live, with urban dwellers paying more on average than their rural counterparts. Boise residents, however, will be pleased to know that it is one of the least expensive cities in the nation for auto insurance. In our quote analysis, we were able to get coverage in Boise for less than $100 per month.
But even though Idaho sees such a low percentage of accidents, it’s still smart to purchase as much protection as you can afford. The average bodily injury liability claim costs over $16,000, and that price is likely to rise as the cost of medical care increases. If you find yourself in a severe accident, the state minimum coverage may not be enough to cover the damages.
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