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Idaho Car Insurance Guide (Cheap Rates + Best Companies)

Idaho Statistics SummaryDetails
Road Miles 2015Total in State: 51,163
Vehicle Miles Driven; 16,662 Million
Vehicles 2015Registered; 1,788,384
Total Stolen: 1,871
State Population1,754,208
Most Popular VehicleF150
Percentage of Motorists Uninsured8.20%
State Rank: 40
Driving DeathsSpeeding (2008-2017) Total: 576
Drunk Driving (2008-2017) Total: 629
Average Premiums 2015 (Annual)Liability: $344.29
Collision: $219.05
Comprehensive: $116.55
Combined Premiums: $679.89
Cheapest ProviderUSAA

Are you looking to settle in the northwest? Maybe settle somewhere in the mountains in a little cabin? Well if you are, Idaho may be just where you’re looking for.

What you may not be looking forward to, is searching for the right car insurance for your new Idaho life. What kind of coverage do you need to live in the Gem State?

That’s what we’re here to help you with. We’ve made up this comprehensive guide to help you navigate the terrain of the car insurance world.

In this guide, we will explore all of the topics you’ll want to know for picking out the perfect car insurance policy for yourself.  We’ll talk about everything from car insurance coverage and rates, insurance providers, the state laws prevalent in Idaho, and much more.

Ready to start comparing rates today? Use our FREE online tool to get started, all you need is your zip code.

Idaho Insurance Coverage and Rates

It’s hard enough trying to find car insurance coverage, let alone the best coverage that’ll fit your needs. Idaho mandates that ALL drivers are to have insurance coverage, but the choices can feel extremely overwhelming.

It’s important to us that you know exactly what you’re paying for. In this section, we’ve explained the major coverage types and rates you’ll find in Idaho.

Keep reading to find out more.

– Idaho Minimum Coverage

Each state requires something known as minimum liability coverage. This coverage ensures that should you be in an accident, you are able to pay for the costs of that accident for either yourself or for another driver should you be the driver at fault. Idaho follows a minimum liability coverage of 25/50/15.

What exactly does this mean? Well, we’ve explained this coverage for you below.

  • 25 = $25,000 for the payment of any bodily injuries of ONE person [Bodily Injury Liability Coverage]
  • 50 = $50,000 for the payment of any bodily injuries of MULTIPLE people [Bodily Injury Liability Coverage]
  • 15 = $15,000 for the payment of any property damage [Property Damage Liability Coverage]

In addition to this, Idaho requires that all drivers must also have uninsured motorist coverage that is equal to the insurer’s selected bodily liability coverage amount.

Meaning that if you select a policy with a bodily liability coverage amount of $75,000, you will need to have uninsured motorist coverage that is equal to that amount.

Under Idaho’s Statute Section 41-2502, however, you may opt to waive this requirement in writing in the form of a bond.

“Drivers may opt to post an indemnity bond to meet Idaho’s financial responsibility requirements in lieu of taking out liability insurance. However, the risks of driving without auto insurance coverage for your vehicle make this an ill-advised maneuver in most scenarios.”

Keep in mind that the amounts listed above are the MINIMUM coverage you are allowed to have to legally driver in Idaho. This may not be enough coverage for you, however, if you are in a severe enough accident. Forcing you to shell out your hard-earned cash to cover the costs.

It is wise to consider carrying more than the minimum amount, it could really make a difference down the road!

– Forms of Financial Responsibility

Forms of financial responsibility, more commonly known as proof of insurance, allow you to legally prove that you are in fact insured. You’ll be asked to provide this anytime you are in an accident, are pulled over by law enforcement, and more.

Making sure you have your proof of insurance on you at all times while driving is vital.

So what exactly can you use as a form of responsibility?

  • Valid (as well as current) insurance ID card (most states will allow both a physical copy and an electronic copy on your mobile device)
  • Copy of your insurance policy
  • SR-22 (a certificate of insurance that you can carry instead)

If you are caught driving without your proof of insurance, you could be facing some serious fines and penalties. So make sure you keep it with you at all times.

– Premiums as a Percentage of Income

Premiums in a state can often be affected by something known as the per capita disposable income. What does this mean? Well, think of it this way.

If you make an annual salary of $50,000 per year, whatever you have left after taxes are taken out is your disposable income. This then in turn, with the average disposable income of all of the other people in that particular state, turns into the per capita disposable income.

So what is Idaho’s?

The average per capita disposable income for Idaho citizens is about $41,826.

If you divide this up by month, this means that on average residents of Idaho have about $3,500 to spend. This is in the addition of all of the other expenses you would normally have in a given month, such as living expenses, health insurance, etc.

The average yearly cost of Idaho car insurance is approximately $700, which means you’ll have to take about $58 per month out of your monthly disposable income for your car insurance.

So making sure you keep your insurance rate as low as you can by driving safe, you’ll drive down your costs even further.

– Core Coverage

Coverage TypeAnnual Cost as of 2015
Liability$344.29
Collision$219.05
Comprehensive$116.55
Combined$679.89

– Additional Liability

Loss Ratio201320142015
Medical Payments (MedPay)69.5273.0079.94
Uninsured/ Underinsured Motorist Coverage54.6957.4059.20

If you take a look at the table above, you’ll see the average loss ratio’s for car insurance providers in the state of Idaho.

Loss ratios are the percentage of loss that a car insurance company has in comparison with the amount they receive from premiums. What does this mean for you exactly?

You want your insurance provider to have a loss ratio that’s right in the middle. Not too high, and not too low.

If a provider has a loss ratio that is too high (over 100 percent), it means that they are paying out more claims than they are capable of.

This would then, in turn, mean that they are at a much higher risk of going bankrupt. If a company has a loss ratio that is too low, it means that the provider isn’t paying out nearly enough to their customers.

Uninsured/Underinsured Motorist Coverage, as you’ll recall from a previous section, is required by the state of Idaho (unless waived in writing). Well, from the information above, you can see that the loss ratio is a little on the low side.

Insurance providers will likely want to think about lowering their premiums because they are paying only around 50 percent for their claims.

Medical Payments (MedPay), on the other hand, has loss ratios that are much more what you would want from your insurance providers. They are paying out a fair amount to their clients, earning them a higher loss ratio.

Coverage such as MedPay is optional, but it doesn’t mean that it is something you should shirk off. It is extremely valuable coverage that could mean the world of a difference if you were to ever be in an accident.

– Add-Ons, Endorsements, and Riders

What other kinds of coverage options should you consider? There are so many choices that it can be a little overwhelming.

We’ve helped you out by listing some of the most valuable coverage options that you can add to your policy.

– Demographic Rates

What particular demographic you fall into, as well as marital status, can heavily influence your insurance rate in some states. On average, men tend to pay more for their rates than women do, as they are typically seen as higher-risk drivers.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$2,345.01$2,332.52$2,040.06$2,114.91$8,575.44$9,910.14$2,620.54$2,771.46
American Family Mutual$2,098.66$2,098.66$1,865.53$1,865.53$7,458.86$9,709.85$2,098.66$2,634.55
Farmers Ins Co Of ID$1,579.86$1,568.87$1,394.21$1,475.19$7,662.21$7,928.27$1,819.86$1,917.77
Geico General$2,003.54$1,977.85$1,905.97$1,851.21$4,285.41$5,332.81$2,715.75$2,092.87
Safeco Ins Co of IL$1,441.66$1,555.14$1,167.08$1,303.18$4,638.27$5,157.45$1,530.65$1,618.67
Depositors Insurance$1,856.77$1,901.41$1,674.47$1,778.32$4,550.02$5,610.65$2,171.95$2,339.94
State Farm Mutual Auto$1,150.90$1,150.90$1,037.46$1,037.46$3,436.89$4,333.19$1,298.56$1,498.32
Travelers Home & Marine Ins Co$1,355.74$1,376.87$1,363.72$1,357.36$6,688.71$10,577.29$1,440.61$1,650.04
USAA$1,099.98$1,098.36$1,073.73$1,059.32$3,611.65$4,046.57$1,458.58$1,572.68

This trend seems to be relatively true in Idaho as well, as single males pay a good bit more for their insurance rates than their counterparts. Married couples, however, have the opposite effect. Married men seem to pay less for their insurance coverage than their spouses do.

– Rates by Zip Code and City

What does your zip code and city tend to pay for their insurance rates? Let’s find out.

ZipcodeAverageAllstate F&CAmerican Family MutualFarmers Ins Co Of IDGeico GeneralSafeco Ins Co of ILDepositors InsuranceState Farm Mutual AutoTravelers Home & Marine Ins CoUSAA
83536$3,008.28$4,691.81$3,695.28$3,306.96$2,777.53$2,466.87$2,804.12$1,989.82$3,344.06$1,998.09
83546$2,999.62$4,631.61$3,695.28$3,306.96$2,777.53$2,432.86$2,872.16$2,000.81$3,281.24$1,998.09
83531$2,994.12$4,600.50$3,695.28$3,306.96$2,777.53$2,338.96$2,872.16$1,921.71$3,435.94$1,998.09
83544$2,991.37$4,540.30$3,695.28$3,306.96$2,777.53$2,432.86$2,872.16$2,017.88$3,281.24$1,998.09
83520$2,988.00$4,691.81$3,695.28$3,306.96$2,777.53$2,466.87$2,872.16$1,921.71$3,161.57$1,998.09
83553$2,987.99$4,540.30$3,695.28$3,306.96$2,777.53$2,432.86$2,872.16$2,003.38$3,265.37$1,998.09
83523$2,980.70$4,691.81$3,695.28$3,306.96$2,777.53$2,466.87$2,804.12$1,924.06$3,161.57$1,998.09
83543$2,975.21$4,600.50$3,695.28$3,306.96$2,777.53$2,466.87$2,804.12$1,965.99$3,161.57$1,998.09
83860$2,974.33$4,058.23$3,668.25$3,306.96$2,985.98$2,427.69$2,776.38$1,949.95$3,566.74$2,028.83
83530$2,973.80$4,600.50$3,695.28$3,306.96$2,777.53$2,252.15$2,872.16$1,825.55$3,435.94$1,998.09
83526$2,973.54$4,691.81$3,695.28$3,306.96$2,777.53$2,252.15$2,872.16$1,921.71$3,246.18$1,998.09
83449$2,968.69$4,339.03$3,935.85$3,231.61$2,777.53$2,404.62$2,712.31$2,023.09$3,349.33$1,944.86
83434$2,968.23$4,265.28$3,695.28$3,231.61$2,841.52$2,434.83$2,926.80$1,916.45$3,457.46$1,944.86
83826$2,967.64$4,058.23$3,668.25$3,306.96$2,985.98$2,480.69$2,802.25$1,921.71$3,455.88$2,028.83
83853$2,967.64$4,058.23$3,668.25$3,306.96$2,985.98$2,480.69$2,802.25$1,921.71$3,455.88$2,028.83
83404$2,967.30$4,279.29$3,935.85$3,319.49$2,841.52$2,404.62$2,803.64$1,939.56$3,236.84$1,944.86
83524$2,965.83$4,691.81$3,552.57$3,306.96$2,777.53$2,466.87$2,804.12$1,863.47$3,374.98$1,854.19
83809$2,964.55$4,058.23$3,668.25$3,306.96$2,985.98$2,427.69$2,776.38$1,974.64$3,453.94$2,028.83
83548$2,964.45$4,691.81$3,695.28$3,306.96$2,777.53$2,466.87$2,804.12$1,921.71$3,161.57$1,854.19
83865$2,964.42$4,058.23$3,668.25$3,306.96$2,985.98$2,427.69$2,802.25$1,921.71$3,479.87$2,028.83
83805$2,964.11$4,058.23$3,668.25$3,306.96$2,985.98$2,480.69$2,802.25$1,889.90$3,455.88$2,028.83
83455$2,963.74$4,339.03$3,695.28$3,231.61$2,841.52$2,434.83$2,876.70$2,102.03$3,262.32$1,890.34
83428$2,963.46$4,339.03$3,935.85$3,231.61$2,777.53$2,404.62$2,712.31$2,016.77$3,382.90$1,870.51
83539$2,963.26$4,631.61$3,695.28$3,306.96$2,777.53$2,252.15$2,872.16$1,892.81$3,242.75$1,998.09
83856$2,961.57$4,058.23$3,668.25$3,306.96$2,985.98$2,427.69$2,802.25$1,953.39$3,422.54$2,028.83
83422$2,960.74$4,339.03$3,695.28$3,231.61$2,841.52$2,434.83$2,876.70$2,075.08$3,262.32$1,890.34
83836$2,960.60$4,058.23$3,668.25$3,306.96$2,985.98$2,480.69$2,802.25$1,948.96$3,365.22$2,028.83
83822$2,959.92$4,058.23$3,668.25$3,306.96$2,985.98$2,427.69$2,802.25$1,953.39$3,407.67$2,028.83
83549$2,959.83$4,540.30$3,695.28$3,306.96$2,777.53$2,252.15$2,872.16$1,959.63$3,236.40$1,998.09
83401$2,959.48$4,181.57$3,935.85$3,319.49$2,841.52$2,404.62$2,712.31$2,023.03$3,272.09$1,944.86
83452$2,959.41$4,339.03$3,695.28$3,231.61$2,841.52$2,434.83$2,876.70$2,063.11$3,262.32$1,890.34
83533$2,959.06$4,691.81$3,695.28$3,306.96$2,777.53$2,252.15$2,872.16$1,921.71$3,115.83$1,998.09
83221$2,958.18$4,201.19$3,935.85$3,231.61$2,841.52$2,452.43$2,762.33$2,105.49$3,148.31$1,944.86
83845$2,957.53$4,058.23$3,668.25$3,306.96$2,985.98$2,480.69$2,802.25$1,895.95$3,390.67$2,028.83
83554$2,956.33$4,540.30$3,695.28$3,306.96$2,777.53$2,252.15$2,872.16$1,921.71$3,242.78$1,998.09
83821$2,956.28$4,058.23$3,668.25$3,306.96$2,985.98$2,480.69$2,802.25$1,898.85$3,376.45$2,028.83
83444$2,955.14$4,153.76$3,695.28$3,231.61$2,841.52$2,434.83$2,926.80$1,962.74$3,404.85$1,944.86
83848$2,953.98$4,058.23$3,668.25$3,306.96$2,985.98$2,480.69$2,802.25$1,921.71$3,332.93$2,028.83
83811$2,953.78$4,076.47$3,668.25$3,306.96$2,985.98$2,480.69$2,776.38$1,959.78$3,300.64$2,028.83
83864$2,953.66$4,058.23$3,668.25$3,306.96$2,985.98$2,323.02$2,802.25$1,929.51$3,479.87$2,028.83
83218$2,953.40$4,224.74$3,935.85$3,231.61$2,841.52$2,452.43$2,762.33$2,016.77$3,248.63$1,866.71
83402$2,952.67$4,213.93$3,935.85$3,319.49$2,841.52$2,395.81$2,803.64$1,937.78$3,181.16$1,944.86
83450$2,951.80$4,185.79$3,695.28$3,231.61$2,841.52$2,434.83$2,926.80$1,937.02$3,368.48$1,944.86
83840$2,951.68$4,058.23$3,668.25$3,306.96$2,985.98$2,427.69$2,802.25$1,921.71$3,365.22$2,028.83
83841$2,951.68$4,058.23$3,668.25$3,306.96$2,985.98$2,427.69$2,802.25$1,921.71$3,365.22$2,028.83
83541$2,950.11$4,691.81$3,552.57$3,306.96$2,777.53$2,466.87$2,804.12$1,935.36$3,161.57$1,854.19
83555$2,949.99$4,691.81$3,695.28$3,306.96$2,777.53$2,225.41$2,804.12$1,900.98$3,149.76$1,998.09
83850$2,949.04$3,941.82$3,668.25$3,306.96$2,985.98$2,478.28$2,776.38$2,012.25$3,342.64$2,028.83
83813$2,948.73$4,058.23$3,668.25$3,306.96$2,985.98$2,427.69$2,776.38$1,983.50$3,302.74$2,028.83
83406$2,948.71$4,234.50$3,935.85$3,319.49$2,841.52$2,404.62$2,712.31$2,004.26$3,141.01$1,944.86
83852$2,947.82$4,058.23$3,668.25$3,306.96$2,985.98$2,427.69$2,802.25$1,919.29$3,332.93$2,028.83
83236$2,946.32$4,192.99$3,935.85$3,231.61$2,777.53$2,452.43$2,762.33$2,008.19$3,211.14$1,944.86
83839$2,946.09$3,941.82$3,668.25$3,306.96$2,985.98$2,478.28$2,776.38$1,985.71$3,342.64$2,028.83
83522$2,945.39$4,600.50$3,695.28$3,306.96$2,777.53$2,252.15$2,872.16$1,889.98$3,115.83$1,998.09
83427$2,945.31$4,279.29$3,935.85$3,231.61$2,841.52$2,404.62$2,712.31$2,016.77$3,141.01$1,944.86
83847$2,945.23$4,058.23$3,668.25$3,306.96$2,985.98$2,427.69$2,802.25$1,895.95$3,332.93$2,028.83
83425$2,944.13$4,305.88$3,695.28$3,231.61$2,841.52$2,434.83$2,926.80$1,900.69$3,215.70$1,944.86
83274$2,942.05$4,192.99$3,935.85$3,231.61$2,841.52$2,452.43$2,762.33$1,937.52$3,179.32$1,944.86
83424$2,941.37$4,339.03$3,695.28$3,231.61$2,841.52$2,434.83$2,876.70$1,900.69$3,262.32$1,890.34
83540$2,940.84$4,691.81$3,552.57$3,306.96$2,777.53$2,225.41$2,804.12$1,859.37$3,395.55$1,854.19
83861$2,940.69$3,941.82$3,668.25$3,306.96$2,985.98$2,432.86$2,776.38$1,965.80$3,359.32$2,028.83
83545$2,938.99$4,691.81$3,552.57$3,306.96$2,777.53$2,466.87$2,804.12$1,832.79$3,164.06$1,854.19
83431$2,938.11$4,270.46$3,695.28$3,231.61$2,841.52$2,434.83$2,926.80$1,947.35$3,150.27$1,944.86
83420$2,937.21$4,265.28$3,695.28$3,231.61$2,841.52$2,434.83$2,926.80$1,915.05$3,234.18$1,890.34
83866$2,937.09$3,941.82$3,668.25$3,306.96$2,985.98$2,432.86$2,776.38$1,933.37$3,359.32$2,028.83
83810$2,936.68$3,941.82$3,668.25$3,306.96$2,985.98$2,478.28$2,776.38$1,964.36$3,279.25$2,028.83
83429$2,936.38$4,265.28$3,695.28$3,231.61$2,841.52$2,434.83$2,926.80$1,932.41$3,209.35$1,890.34
83451$2,936.22$4,265.28$3,695.28$3,231.61$2,841.52$2,434.83$2,926.80$1,838.44$3,301.86$1,890.34
83442$2,935.59$4,270.46$3,695.28$3,231.61$2,841.52$2,434.83$2,926.80$1,956.08$3,118.91$1,944.86
83436$2,934.77$4,265.28$3,695.28$3,231.61$2,841.52$2,434.83$2,926.80$1,900.69$3,226.58$1,890.34
83542$2,933.61$4,540.30$3,695.28$3,306.96$2,777.53$2,252.15$2,872.16$1,921.71$3,038.34$1,998.09
83833$2,932.09$3,941.82$3,668.25$3,306.96$2,985.98$2,478.28$2,776.38$1,931.25$3,271.08$2,028.83
83842$2,931.94$3,941.82$3,668.25$3,306.96$2,985.98$2,478.28$2,776.38$1,921.71$3,279.25$2,028.83
83824$2,931.84$3,897.43$3,668.25$3,306.96$2,985.98$2,432.86$2,776.38$1,921.71$3,368.17$2,028.83
83262$2,931.35$4,050.30$3,935.85$3,231.61$2,777.53$2,452.43$2,762.33$2,098.97$3,128.26$1,944.86
83537$2,929.55$4,691.81$3,552.57$3,306.96$2,777.53$2,214.33$2,804.12$1,896.98$3,267.47$1,854.19
83445$2,929.41$4,265.28$3,695.28$3,231.61$2,841.52$2,434.83$2,926.80$1,832.34$3,246.69$1,890.34
83421$2,928.50$4,265.28$3,695.28$3,231.61$2,777.53$2,434.83$2,926.80$1,900.69$3,234.18$1,890.34
83215$2,928.21$4,201.19$3,935.85$3,028.45$2,841.52$2,452.43$2,762.33$2,016.77$3,248.63$1,866.71
83446$2,927.88$4,305.88$3,695.28$3,231.61$2,777.53$2,434.83$2,926.80$1,900.69$3,211.60$1,866.71
83851$2,927.88$3,941.82$3,668.25$3,306.96$2,985.98$2,432.86$2,776.38$1,938.71$3,271.08$2,028.83
83440$2,926.93$4,265.28$3,695.28$3,231.61$2,841.52$2,434.83$2,926.80$1,830.10$3,226.58$1,890.34
83671$2,926.88$4,540.30$3,695.28$3,041.94$2,777.53$2,252.15$2,872.16$1,921.71$3,242.78$1,998.09
83870$2,926.80$3,897.43$3,668.25$3,306.96$2,985.98$2,432.86$2,776.38$1,885.23$3,359.32$2,028.83
83433$2,925.74$4,265.28$3,695.28$3,231.61$2,777.53$2,434.83$2,926.80$1,900.69$3,209.35$1,890.34
83872$2,925.52$4,600.50$3,552.57$3,306.96$2,777.53$2,214.33$2,673.74$1,849.83$3,406.89$1,947.30
83876$2,923.27$3,941.82$3,668.25$3,306.96$2,892.45$2,478.28$2,776.38$1,945.43$3,271.08$2,028.83
83535$2,922.35$4,691.81$3,552.57$3,306.96$2,777.53$2,214.33$2,673.74$1,884.61$3,345.44$1,854.19
83443$2,922.33$4,270.46$3,695.28$3,231.61$2,777.53$2,434.83$2,926.80$1,900.69$3,118.91$1,944.86
83832$2,921.33$4,691.81$3,552.57$3,306.96$2,777.53$2,214.33$2,673.74$1,860.24$3,267.47$1,947.30
83812$2,919.68$3,988.75$3,668.25$3,306.96$2,985.98$2,432.86$2,776.38$1,921.71$3,167.40$2,028.83
83803$2,919.27$4,058.23$3,668.25$3,306.96$2,985.98$2,224.27$2,705.06$1,966.22$3,329.59$2,028.83
83871$2,918.98$4,600.50$3,552.57$3,306.96$2,777.53$2,214.33$2,673.74$1,842.99$3,354.93$1,947.30
83460$2,918.87$4,265.28$3,695.28$3,231.61$2,777.53$2,434.83$2,876.70$1,817.18$3,226.58$1,944.86
83448$2,918.32$4,265.28$3,695.28$3,231.61$2,841.52$2,434.83$2,876.70$1,802.78$3,226.58$1,890.34
83868$2,918.02$3,897.43$3,668.25$3,306.96$2,985.98$2,263.18$2,776.38$1,992.56$3,342.64$2,028.83
83806$2,917.85$4,600.50$3,552.57$3,306.96$2,777.53$2,214.33$2,673.74$1,832.79$3,354.93$1,947.30
83827$2,917.63$3,988.75$3,695.28$3,306.96$2,777.53$2,432.86$2,872.16$1,921.71$3,265.37$1,998.09
83830$2,917.14$4,033.13$3,668.25$3,306.96$2,985.98$2,263.18$2,776.38$1,921.71$3,269.84$2,028.83
83438$2,917.01$4,265.28$3,695.28$3,231.61$2,777.53$2,338.96$2,926.80$1,900.69$3,226.58$1,890.34
83837$2,916.87$3,897.43$3,668.25$3,306.96$2,985.98$2,263.18$2,776.38$1,973.04$3,351.76$2,028.83
83204$2,916.73$3,950.56$3,935.85$3,220.36$2,827.17$2,452.43$2,783.09$2,094.87$3,115.76$1,870.51
83547$2,916.57$4,540.30$3,695.28$3,041.94$2,777.53$2,252.15$2,872.16$1,921.71$3,150.00$1,998.09
83808$2,914.35$3,897.43$3,668.25$3,306.96$2,985.98$2,263.18$2,776.38$1,950.38$3,351.76$2,028.83
83801$2,911.64$4,058.23$3,668.25$3,306.96$2,985.98$2,224.27$2,776.38$1,971.85$3,184.02$2,028.83
83823$2,911.17$4,600.50$3,552.57$3,306.96$2,777.53$2,214.33$2,673.74$1,865.74$3,354.93$1,854.19
83804$2,911.12$3,923.58$3,668.25$3,306.96$2,985.98$2,427.69$2,802.25$1,954.48$3,102.03$2,028.83
83867$2,910.15$3,897.43$3,668.25$3,306.96$2,985.98$2,263.18$2,776.38$1,921.71$3,342.64$2,028.83
83435$2,910.08$3,999.42$3,695.28$3,231.61$2,841.52$2,434.83$2,926.80$1,900.69$3,215.70$1,944.86
83849$2,909.77$3,897.43$3,668.25$3,306.96$2,985.98$2,263.18$2,776.38$1,918.28$3,342.64$2,028.83
83844$2,909.41$4,600.50$3,552.57$3,306.96$2,777.53$2,214.33$2,673.74$1,832.79$3,278.99$1,947.30
83201$2,908.65$3,950.56$3,935.85$3,220.36$2,827.17$2,404.62$2,783.09$2,072.13$3,113.54$1,870.51
83802$2,907.88$3,897.43$3,668.25$3,306.96$2,985.98$2,263.18$2,776.38$1,921.71$3,322.24$2,028.83
83202$2,902.87$4,008.90$3,935.85$3,220.36$2,827.17$2,404.62$2,783.09$2,034.83$3,040.47$1,870.51
83873$2,902.47$3,897.43$3,668.25$3,306.96$2,985.98$2,263.18$2,776.38$1,854.26$3,340.98$2,028.83
83210$2,902.40$4,037.34$3,935.85$3,028.45$2,777.53$2,452.43$2,762.33$1,995.38$3,187.48$1,944.86
83846$2,901.21$3,897.43$3,668.25$3,306.96$2,985.98$2,263.18$2,776.38$1,861.68$3,322.24$2,028.83
83245$2,900.20$3,992.53$3,935.85$3,231.61$2,827.17$2,452.43$2,631.16$2,033.19$3,127.33$1,870.51
83209$2,897.71$3,950.56$3,935.85$3,220.36$2,827.17$2,452.43$2,631.16$2,075.63$3,115.76$1,870.51
83423$2,897.09$3,999.42$3,695.28$3,231.61$2,777.53$2,434.83$2,926.80$1,941.79$3,199.88$1,866.71
83277$2,895.19$4,037.34$3,935.85$3,028.45$2,777.53$2,452.43$2,762.33$2,016.77$3,179.32$1,866.71
83843$2,891.59$4,600.50$3,552.57$3,306.96$2,596.54$2,214.33$2,673.74$1,853.42$3,278.99$1,947.30
83501$2,890.80$4,691.81$3,552.57$3,208.69$2,596.54$2,225.41$2,804.12$1,846.78$3,237.05$1,854.19
83552$2,888.02$3,954.45$3,695.28$3,306.96$2,777.53$2,252.15$2,872.16$1,892.81$3,242.78$1,998.09
83869$2,875.40$3,923.58$3,668.25$3,306.96$2,985.98$2,224.27$2,705.06$1,933.66$3,102.03$2,028.83
83687$2,871.66$3,973.77$4,166.07$3,203.06$2,499.48$2,267.71$2,801.06$1,909.39$3,297.43$1,726.98
83626$2,871.31$4,004.21$4,166.07$3,041.94$2,515.57$2,338.96$2,805.89$1,859.31$3,382.91$1,726.98
83686$2,871.09$3,973.77$4,166.07$3,203.06$2,499.48$2,381.57$2,717.98$1,908.45$3,262.45$1,726.98
83858$2,869.16$3,819.53$3,668.25$3,306.96$2,985.98$2,224.27$2,705.06$1,926.26$3,157.25$2,028.83
83612$2,868.51$4,540.30$3,695.28$3,041.94$2,777.53$2,252.15$2,746.31$1,808.07$3,088.31$1,866.71
83525$2,867.22$3,863.12$3,695.28$3,306.96$2,777.53$2,252.15$2,872.16$1,894.73$3,144.95$1,998.09
83250$2,865.42$3,992.53$3,695.28$3,231.61$2,827.17$2,452.43$2,631.16$1,964.55$3,127.33$1,866.71
83651$2,864.29$3,973.77$4,166.07$3,185.49$2,499.48$2,269.58$2,801.06$1,991.41$3,164.82$1,726.98
83672$2,864.12$4,637.51$3,695.28$3,041.94$2,777.53$2,252.15$2,746.31$1,705.50$3,054.16$1,866.71
83464$2,863.70$4,202.95$3,695.28$3,041.94$2,777.53$2,252.15$2,814.70$1,961.37$3,160.69$1,866.71
83605$2,863.42$3,937.96$4,166.07$3,014.28$2,499.48$2,345.70$2,838.90$1,965.27$3,276.10$1,726.98
83467$2,862.84$4,202.95$3,695.28$3,041.94$2,777.53$2,252.15$2,814.70$1,940.19$3,174.07$1,866.71
83286$2,859.35$4,116.21$3,695.28$3,231.61$2,777.53$2,261.83$2,631.16$1,788.99$3,364.85$1,866.71
83610$2,859.27$4,540.30$3,695.28$3,041.94$2,777.53$2,252.15$2,746.31$1,814.28$2,998.91$1,866.71
83462$2,859.10$4,202.95$3,695.28$3,041.94$2,777.53$2,252.15$2,814.70$1,919.91$3,160.69$1,866.71
83468$2,858.98$4,202.95$3,695.28$3,041.94$2,777.53$2,338.96$2,814.70$1,900.69$3,092.11$1,866.71
83654$2,858.61$4,540.30$3,695.28$3,041.94$2,777.53$2,252.15$2,746.31$1,828.16$2,979.06$1,866.71
83233$2,858.15$4,071.41$3,695.28$3,231.61$2,777.53$2,338.96$2,631.16$1,745.81$3,364.85$1,866.71
83213$2,857.29$4,201.19$3,695.28$3,028.45$2,777.53$2,252.15$2,771.34$1,916.84$3,206.17$1,866.71
83465$2,856.96$4,202.95$3,695.28$3,041.94$2,777.53$2,252.15$2,814.70$1,900.69$3,160.69$1,866.71
83466$2,856.96$4,202.95$3,695.28$3,041.94$2,777.53$2,252.15$2,814.70$1,900.69$3,160.69$1,866.71
83607$2,856.56$4,054.78$4,166.07$3,041.94$2,515.57$2,375.37$2,805.89$1,921.26$3,101.23$1,726.98
83676$2,855.64$4,004.21$4,166.07$3,041.94$2,515.57$2,338.96$2,805.89$1,826.41$3,274.70$1,726.98
83263$2,854.56$4,116.21$3,695.28$3,231.61$2,777.53$2,261.83$2,631.16$1,745.87$3,364.85$1,866.71
83272$2,854.56$4,116.21$3,695.28$3,231.61$2,777.53$2,261.83$2,631.16$1,745.87$3,364.85$1,866.71
83223$2,854.55$4,116.21$3,695.28$3,231.61$2,777.53$2,261.83$2,631.16$1,745.81$3,364.85$1,866.71
83283$2,854.55$4,116.21$3,695.28$3,231.61$2,777.53$2,261.83$2,631.16$1,745.81$3,364.85$1,866.71
83252$2,854.44$4,116.21$3,695.28$3,231.61$2,777.53$2,452.43$2,631.16$1,780.84$3,138.23$1,866.71
83285$2,854.44$4,192.99$3,695.28$3,231.61$2,777.53$2,261.83$2,631.16$1,745.81$3,283.25$1,870.51
83234$2,853.72$4,116.21$3,695.28$3,231.61$2,777.53$2,452.43$2,631.16$1,776.88$3,135.65$1,866.71
83217$2,852.05$4,073.85$3,695.28$3,231.61$2,777.53$2,452.43$2,631.16$1,769.34$3,166.74$1,870.51
83214$2,851.19$4,034.89$3,695.28$3,231.61$2,777.53$2,452.43$2,631.16$1,803.19$3,167.89$1,866.71
83220$2,849.58$4,071.41$3,695.28$3,231.61$2,777.53$2,261.83$2,631.16$1,745.81$3,364.85$1,866.71
83238$2,849.58$4,071.41$3,695.28$3,231.61$2,777.53$2,261.83$2,631.16$1,745.81$3,364.85$1,866.71
83281$2,849.34$4,116.21$3,695.28$3,231.61$2,777.53$2,452.43$2,631.16$1,745.81$3,127.33$1,866.71
83463$2,849.34$4,202.95$3,695.28$3,041.94$2,777.53$2,252.15$2,814.70$1,900.69$3,092.11$1,866.71
83855$2,848.45$3,897.43$3,552.57$3,306.96$2,777.53$2,214.33$2,673.74$1,852.90$3,413.29$1,947.30
83243$2,847.29$4,116.21$3,695.28$3,231.61$2,827.17$2,452.43$2,631.16$1,745.81$3,059.27$1,866.71
83251$2,846.67$3,999.42$3,695.28$3,028.45$2,777.53$2,252.15$2,771.34$1,973.22$3,255.95$1,866.71
83340$2,846.21$4,037.34$3,695.28$3,028.45$2,777.53$2,222.00$2,706.72$1,932.28$3,392.53$1,823.77
83230$2,845.61$4,190.56$3,695.28$3,231.61$2,777.53$2,261.83$2,631.16$1,745.81$3,206.20$1,870.51
83228$2,845.31$4,116.21$3,695.28$3,231.61$2,777.53$2,261.83$2,631.16$1,776.88$3,250.62$1,866.71
83237$2,844.28$4,116.21$3,695.28$3,231.61$2,777.53$2,261.83$2,631.16$1,767.61$3,250.62$1,866.71
83254$2,844.20$4,071.41$3,695.28$3,231.61$2,777.53$2,261.83$2,631.16$1,697.43$3,364.85$1,866.71
83211$2,843.72$4,037.34$3,695.28$3,028.45$2,827.17$2,452.43$2,631.16$1,806.31$3,248.63$1,866.71
83239$2,843.53$4,071.41$3,695.28$3,231.61$2,777.53$2,261.83$2,631.16$1,691.38$3,364.85$1,866.71
83276$2,843.08$4,190.56$3,695.28$3,231.61$2,777.53$2,261.83$2,631.16$1,723.03$3,206.20$1,870.51
83255$2,842.92$4,034.33$3,695.28$3,028.45$2,777.53$2,252.15$2,771.34$1,921.71$3,238.75$1,866.71
83631$2,841.87$3,916.80$3,695.28$3,041.94$2,777.53$2,252.15$2,771.34$1,863.50$3,391.58$1,866.71
83232$2,841.86$4,116.21$3,695.28$3,231.61$2,777.53$2,261.83$2,631.16$1,745.81$3,250.62$1,866.71
83287$2,841.86$4,116.21$3,695.28$3,231.61$2,777.53$2,261.83$2,631.16$1,745.81$3,250.62$1,866.71
83644$2,839.20$3,892.56$4,166.07$3,041.94$2,543.13$2,230.07$2,805.89$1,928.74$3,217.41$1,726.98
83857$2,838.56$3,897.43$3,552.57$3,306.96$2,777.53$2,214.33$2,673.74$1,831.70$3,345.44$1,947.30
83244$2,834.89$4,034.33$3,695.28$3,028.45$2,777.53$2,252.15$2,771.34$1,900.69$3,187.51$1,866.71
83241$2,833.28$4,073.85$3,695.28$3,231.61$2,777.53$2,261.83$2,631.16$1,739.83$3,217.91$1,870.51
83246$2,831.92$3,992.53$3,695.28$3,231.61$2,777.53$2,452.43$2,631.16$1,751.93$3,088.06$1,866.71
83253$2,831.54$3,974.13$3,695.28$3,041.94$2,777.53$2,252.15$2,814.70$1,900.69$3,160.69$1,866.71
83212$2,829.43$3,992.53$3,695.28$3,231.61$2,777.53$2,452.43$2,631.16$1,745.81$3,071.82$1,866.71
83834$2,828.33$3,897.43$3,552.57$3,306.96$2,777.53$2,214.33$2,673.74$1,832.79$3,345.44$1,854.19
83278$2,826.86$4,012.05$3,695.28$3,041.94$2,777.53$2,252.15$2,771.34$1,971.75$3,053.03$1,866.71
83235$2,826.72$3,974.13$3,695.28$3,041.94$2,777.53$2,252.15$2,771.34$1,900.69$3,160.69$1,866.71
83226$2,826.16$3,974.13$3,695.28$3,041.94$2,777.53$2,252.15$2,771.34$1,895.71$3,160.69$1,866.71
83641$2,824.89$3,878.18$4,166.07$3,041.94$2,515.57$2,252.15$2,717.98$1,824.03$3,161.37$1,866.71
83271$2,824.30$4,037.34$3,695.28$3,028.45$2,827.17$2,452.43$2,631.16$1,820.94$3,059.27$1,866.71
83327$2,824.05$4,037.34$3,695.28$3,028.45$2,777.53$2,252.15$2,706.72$1,896.19$3,277.85$1,744.94
83229$2,823.92$3,974.13$3,695.28$3,041.94$2,777.53$2,252.15$2,814.70$1,900.69$3,092.11$1,866.71
83469$2,823.92$3,974.13$3,695.28$3,041.94$2,777.53$2,252.15$2,814.70$1,900.69$3,092.11$1,866.71
83347$2,823.71$4,034.80$3,989.27$3,028.45$2,777.53$2,078.91$2,722.48$1,719.58$3,317.43$1,744.94
83353$2,823.59$4,037.34$3,695.28$3,028.45$2,777.53$2,222.00$2,706.72$1,932.28$3,188.93$1,823.77
83341$2,823.22$3,981.55$3,989.27$3,028.45$2,777.53$2,243.36$2,517.12$1,814.30$3,312.51$1,744.94
83342$2,821.81$4,034.89$3,989.27$3,028.45$2,777.53$2,078.91$2,722.48$1,787.86$3,231.96$1,744.94
83655$2,820.93$4,004.21$3,695.28$3,041.94$2,543.13$2,338.96$2,746.31$1,765.46$3,386.32$1,866.71
83311$2,820.70$4,034.89$3,989.27$3,028.45$2,777.53$2,078.91$2,722.48$1,777.86$3,231.96$1,744.94
83312$2,820.50$4,034.89$3,989.27$3,028.45$2,777.53$2,078.91$2,722.48$1,776.05$3,231.96$1,744.94
83666$2,820.16$3,990.50$3,695.28$3,028.45$2,777.53$2,252.15$2,771.34$1,740.19$3,259.27$1,866.71
83333$2,819.20$4,037.34$3,695.28$3,028.45$2,777.53$2,157.63$2,706.72$1,903.09$3,243.00$1,823.77
83635$2,816.93$3,863.12$3,695.28$3,041.94$2,777.53$2,338.96$2,746.31$1,740.19$3,282.34$1,866.71
83323$2,816.45$4,004.47$3,989.27$3,028.45$2,777.53$2,078.91$2,722.48$1,770.01$3,231.96$1,744.94
83316$2,816.20$3,981.55$3,989.27$3,028.45$2,777.53$2,243.36$2,517.12$1,703.17$3,360.47$1,744.94
83321$2,816.17$3,981.55$3,989.27$3,028.45$2,777.53$2,243.36$2,517.12$1,702.88$3,360.47$1,744.94
83835$2,814.62$3,378.15$3,668.25$3,306.96$2,892.45$2,224.25$2,705.06$1,913.57$3,214.11$2,028.83
83350$2,812.32$3,923.80$3,989.27$3,028.45$2,777.53$2,078.91$2,722.48$1,733.43$3,312.05$1,744.94
83325$2,811.29$3,893.47$3,989.27$3,028.45$2,777.53$2,243.36$2,501.20$1,810.88$3,312.51$1,744.94
83336$2,810.54$3,923.80$3,989.27$3,028.45$2,777.53$2,078.91$2,722.48$1,712.02$3,317.43$1,744.94
83318$2,809.93$3,923.80$3,989.27$3,028.45$2,777.53$2,078.91$2,722.48$1,712.02$3,311.97$1,744.94
83328$2,809.58$3,981.55$3,989.27$3,028.45$2,777.53$2,243.36$2,517.12$1,761.33$3,242.70$1,744.94
83344$2,809.18$3,893.47$3,989.27$3,028.45$2,777.53$2,243.36$2,517.12$1,812.35$3,276.17$1,744.94
83335$2,807.89$3,893.47$3,989.27$3,028.45$2,777.53$2,243.36$2,501.20$1,816.63$3,276.17$1,744.94
83324$2,807.80$4,122.97$3,989.27$3,028.45$2,777.53$2,078.91$2,501.20$1,837.80$3,189.15$1,744.94
83320$2,807.71$4,037.34$3,695.28$3,028.45$2,777.53$2,078.91$2,706.72$1,932.41$3,188.93$1,823.77
83677$2,807.29$3,863.12$3,695.28$3,041.94$2,777.53$2,252.15$2,746.31$1,740.19$3,282.34$1,866.71
83338$2,807.01$3,981.55$3,989.27$3,028.45$2,777.53$2,243.36$2,501.20$1,807.70$3,189.15$1,744.94
83638$2,806.24$3,812.10$3,695.28$3,041.94$2,777.53$2,252.15$2,746.31$1,781.75$3,282.34$1,866.71
83227$2,806.14$3,974.13$3,695.28$3,041.94$2,777.53$2,252.15$2,771.34$1,900.69$2,975.52$1,866.71
83334$2,805.37$3,951.78$3,989.27$3,028.45$2,777.53$2,243.36$2,517.12$1,806.74$3,189.15$1,744.94
83346$2,805.21$3,923.89$3,989.27$3,028.45$2,640.14$2,078.91$2,722.48$1,806.80$3,312.05$1,744.94
83352$2,804.68$4,122.97$3,989.27$3,028.45$2,777.53$2,078.91$2,501.20$1,809.70$3,189.15$1,744.94
83313$2,804.18$4,037.34$3,695.28$3,028.45$2,777.53$2,078.91$2,706.72$1,900.71$3,188.93$1,823.77
83348$2,804.18$4,037.34$3,695.28$3,028.45$2,777.53$2,078.91$2,706.72$1,900.69$3,188.93$1,823.77
83604$2,803.70$3,957.83$3,695.28$3,041.94$2,777.53$2,252.15$2,771.34$1,716.71$3,153.84$1,866.71
83660$2,803.64$4,004.21$3,695.28$3,041.94$2,515.57$2,338.96$2,746.31$1,784.72$3,378.79$1,726.98
83332$2,803.35$3,895.92$3,989.27$3,028.45$2,777.53$2,243.36$2,501.20$1,745.80$3,303.66$1,744.94
83349$2,802.61$4,065.22$3,989.27$3,028.45$2,777.53$2,078.91$2,501.20$1,848.81$3,189.15$1,744.94
83637$2,802.41$4,035.84$3,695.28$3,041.94$2,777.53$2,252.15$2,771.34$1,740.19$3,040.72$1,866.71
83302$2,801.88$3,957.83$3,989.27$3,028.45$2,777.53$2,243.36$2,517.12$1,776.05$3,182.42$1,744.94
83622$2,801.87$3,851.12$3,695.28$3,041.94$2,777.53$2,252.15$2,771.34$1,961.84$2,998.91$1,866.71
83650$2,801.63$3,920.66$3,695.28$3,041.94$2,777.53$2,252.15$2,771.34$1,740.19$3,148.92$1,866.71
83615$2,801.62$3,812.10$3,695.28$3,041.94$2,777.53$2,252.15$2,746.31$1,740.19$3,282.34$1,866.71
83355$2,801.00$3,981.55$3,989.27$3,028.45$2,777.53$2,243.36$2,501.20$1,737.29$3,205.41$1,744.94
83629$2,800.10$3,893.01$3,695.28$3,041.94$2,777.53$2,252.15$2,771.34$1,850.06$3,052.86$1,866.71
83314$2,793.41$3,895.92$3,989.27$3,028.45$2,777.53$2,252.15$2,501.20$1,745.80$3,205.41$1,744.94
83337$2,791.00$3,895.92$3,695.28$3,028.45$2,777.53$2,252.15$2,706.72$1,740.19$3,277.85$1,744.94
83624$2,790.70$3,920.66$3,695.28$3,041.94$2,777.53$2,252.15$2,771.34$1,695.73$3,094.98$1,866.71
83330$2,789.58$3,895.92$3,989.27$3,028.45$2,777.53$2,078.91$2,501.20$1,786.32$3,303.66$1,744.94
83645$2,786.61$3,928.48$3,695.28$3,041.94$2,777.53$2,252.15$2,746.31$1,767.19$3,003.84$1,866.71
83639$2,785.64$3,920.66$3,695.28$3,041.94$2,515.57$2,252.15$2,771.34$1,828.33$3,178.81$1,866.71
83619$2,784.05$4,004.21$3,695.28$3,041.94$2,543.13$2,338.96$2,746.31$1,721.94$3,097.92$1,866.71
83301$2,782.56$3,767.16$3,989.27$3,136.73$2,640.14$2,243.36$2,517.12$1,821.89$3,182.42$1,744.94
83628$2,780.47$3,920.66$3,695.28$3,041.94$2,515.57$2,252.15$2,771.34$1,781.81$3,178.81$1,866.71
83611$2,777.71$3,850.00$3,695.28$3,041.94$2,777.53$2,252.15$2,746.31$1,770.53$2,998.91$1,866.71
83643$2,776.34$3,863.12$3,695.28$3,041.94$2,777.53$2,252.15$2,746.31$1,740.19$3,003.84$1,866.71
83602$2,775.91$3,776.31$3,695.28$3,041.94$2,777.53$2,252.15$2,771.34$1,740.19$3,061.71$1,866.71
83632$2,771.35$3,818.17$3,695.28$3,041.94$2,777.53$2,252.15$2,746.31$1,740.19$3,003.84$1,866.71
83322$2,770.68$3,895.92$3,695.28$3,028.45$2,777.53$2,252.15$2,706.72$1,740.19$3,094.98$1,744.94
83815$2,769.93$3,287.39$3,668.25$3,069.45$2,892.45$2,188.37$2,616.57$1,925.45$3,252.68$2,028.83
83661$2,763.83$3,917.84$3,695.28$3,041.94$2,543.13$2,252.15$2,746.31$1,721.94$3,089.14$1,866.71
83814$2,761.06$3,287.39$3,668.25$3,106.56$2,892.45$2,137.80$2,616.57$1,925.45$3,186.27$2,028.83
83670$2,756.15$3,893.01$3,695.28$3,041.94$2,777.53$2,252.15$2,550.15$1,836.16$3,051.43$1,707.67
83657$2,747.13$3,960.33$3,695.28$3,041.94$2,777.53$2,252.15$2,550.15$1,740.19$2,998.91$1,707.67
83616$2,743.03$3,798.47$3,533.88$3,203.06$2,515.57$2,156.72$2,622.63$2,000.78$3,167.23$1,688.94
83854$2,732.36$3,359.90$3,668.25$2,736.09$2,892.45$2,152.23$2,681.54$1,908.48$3,163.44$2,028.83
83633$2,728.15$3,895.92$3,695.28$3,028.45$2,097.93$2,252.15$2,771.34$1,740.19$3,205.41$1,866.71
83623$2,725.76$3,895.92$3,695.28$3,028.45$2,097.93$2,252.15$2,771.34$1,718.69$3,205.41$1,866.71
83669$2,725.33$3,970.99$3,438.58$3,203.06$2,499.48$2,158.46$2,550.15$1,790.11$3,228.23$1,688.94
83713$2,719.52$3,912.68$3,533.88$3,107.12$2,451.67$2,258.52$2,626.54$1,871.30$3,077.54$1,636.40
83627$2,717.41$4,004.78$3,695.28$3,028.45$2,097.93$2,252.15$2,771.34$1,740.19$2,999.83$1,866.71
83634$2,711.21$3,786.71$3,438.58$3,203.06$2,470.64$2,146.48$2,580.24$1,846.56$3,239.70$1,688.94
83617$2,706.75$3,882.38$3,695.28$3,041.94$2,543.13$2,080.69$2,550.15$1,806.66$3,052.86$1,707.67
83648$2,692.24$3,920.66$3,695.28$3,041.94$2,470.64$2,252.15$2,771.34$1,599.08$3,072.20$1,406.90
83636$2,691.56$3,951.90$3,695.28$3,041.94$2,403.40$2,080.69$2,550.15$1,740.19$3,052.86$1,707.67
83714$2,691.46$3,892.84$3,533.88$3,041.94$2,403.40$2,140.68$2,622.63$1,874.85$3,076.52$1,636.40
83704$2,671.21$3,645.33$3,533.88$3,107.12$2,451.67$2,177.55$2,590.59$1,805.21$3,093.17$1,636.40
83708$2,652.60$3,892.48$3,438.58$3,012.15$2,403.40$2,030.14$2,473.21$1,827.67$3,068.76$1,726.98
83647$2,647.03$3,810.09$3,695.28$3,041.94$2,097.93$2,252.15$2,771.34$1,836.28$2,911.33$1,406.90
83705$2,646.43$3,652.78$3,533.88$3,012.15$2,451.67$2,158.80$2,586.68$1,732.81$3,052.70$1,636.40
83712$2,644.60$3,724.95$3,438.58$3,039.47$2,470.64$2,153.26$2,473.21$1,741.39$3,123.46$1,636.40
83702$2,643.34$3,724.95$3,438.58$3,039.47$2,470.64$2,011.10$2,473.21$1,850.82$3,144.94$1,636.40
83642$2,642.29$3,677.17$3,438.58$2,785.84$2,408.93$2,216.06$2,580.24$1,841.47$3,143.40$1,688.94
83709$2,641.37$3,547.57$3,438.58$3,270.65$2,451.67$2,030.14$2,581.95$1,821.11$2,994.27$1,636.40
83646$2,636.84$3,708.80$3,438.58$2,763.07$2,408.93$2,146.48$2,622.63$1,772.67$3,143.40$1,726.98
83703$2,630.15$3,724.95$3,438.58$3,012.15$2,403.40$2,094.92$2,630.93$1,809.91$2,920.16$1,636.40
83725$2,625.99$3,680.86$3,438.58$2,945.06$2,403.40$2,116.06$2,511.51$1,827.67$3,074.37$1,636.40
83706$2,615.06$3,602.20$3,438.58$3,012.15$2,403.40$2,008.23$2,511.51$1,711.24$3,211.80$1,636.40
83716$2,612.88$3,669.45$3,438.58$2,975.76$2,470.64$2,036.00$2,473.21$1,741.54$3,074.37$1,636.40

But who pays the most? Who pays the least? Find out below.

CityAverage Grand Total
MERIDIAN$2,639.57
BOISE$2,645.74
MOUNTAIN HOME$2,647.03
GARDEN CITY$2,691.46
LETHA$2,691.57
MOUNTAIN HOME A F B$2,692.24
EMMETT$2,706.75
KUNA$2,711.21
HAMMETT$2,717.41
STAR$2,725.33
GLENNS FERRY$2,725.77
KING HILL$2,728.15
POST FALLS$2,732.36
EAGLE$2,743.03
OLA$2,747.13
SWEET$2,756.15
PAYETTE$2,763.83
COEUR D ALENE$2,765.50
CORRAL$2,770.68
INDIAN VALLEY$2,771.35
BANKS$2,775.91
MESA$2,776.34
CASCADE$2,777.71
HOMEDALE$2,780.47
TWIN FALLS$2,782.56
FRUITLAND$2,784.04
MARSING$2,785.64
MIDVALE$2,786.60
GOODING$2,789.58
GRAND VIEW$2,790.70
HILL CITY$2,791.00
BLISS$2,793.41
HORSESHOE BEND$2,800.10
WENDELL$2,801.00
DONNELLY$2,801.62
MURPHY$2,801.63
GARDEN VALLEY$2,801.87
ROGERSON$2,801.88
LOWMAN$2,802.41
RICHFIELD$2,802.61
HAGERMAN$2,803.35
PARMA$2,803.64
BRUNEAU$2,803.70
BELLEVUE$2,804.18
PICABO$2,804.18
SHOSHONE$2,804.68
OAKLEY$2,805.21
HANSEN$2,805.37
CLAYTON$2,806.14
MCCALL$2,806.23
JEROME$2,807.02
YELLOW PINE$2,807.29
CAREY$2,807.71
DIETRICH$2,807.80
HAZELTON$2,807.89
MURTAUGH$2,809.18
FILER$2,809.58
BURLEY$2,809.93
HEYBURN$2,810.54
EDEN$2,811.29
RUPERT$2,812.32
HAYDEN$2,814.63
CASTLEFORD$2,816.17
BUHL$2,816.20
DECLO$2,816.44
LAKE FORK$2,816.93
HAILEY$2,819.20
PLACERVILLE$2,820.16
ALMO$2,820.50
ALBION$2,820.70
NEW PLYMOUTH$2,820.93
MALTA$2,821.81
KIMBERLY$2,823.22
SUN VALLEY$2,823.59
PAUL$2,823.71
COBALT$2,823.92
SHOUP$2,823.92
FAIRFIELD$2,824.05
ROCKLAND$2,824.31
MELBA$2,824.89
CHALLIS$2,826.16
ELLIS$2,826.72
STANLEY$2,826.86
HARVARD$2,828.33
ARBON$2,829.43
MAY$2,831.54
LAVA HOT SPRINGS$2,831.92
GRACE$2,833.28
HOWE$2,834.89
PRINCETON$2,838.55
MIDDLETON$2,839.20
DAYTON$2,841.86
FISH HAVEN$2,841.86
IDAHO CITY$2,841.87
MOORE$2,842.92
SODA SPRINGS$2,843.08
GEORGETOWN$2,843.53
AMERICAN FALLS$2,843.72
MONTPELIER$2,844.20
FRANKLIN$2,844.28
CLIFTON$2,845.31
CONDA$2,845.61
KETCHUM$2,846.21
MACKAY$2,846.67
HOLBROOK$2,847.29
POTLATCH$2,848.45
GIBBONSVILLE$2,849.34
SWANLAKE$2,849.34
BERN$2,849.58
GENEVA$2,849.58
ARIMO$2,851.19
BANCROFT$2,852.05
DOWNEY$2,853.72
MALAD CITY$2,854.44
WAYAN$2,854.44
BLOOMINGTON$2,854.55
THATCHER$2,854.55
PRESTON$2,854.56
SAINT CHARLES$2,854.56
WILDER$2,855.64
LEMHI$2,856.96
NORTH FORK$2,856.96
ARCO$2,857.30
DINGLE$2,858.15
NEW MEADOWS$2,858.60
TENDOY$2,858.99
CARMEN$2,859.10
CAMBRIDGE$2,859.27
WESTON$2,859.35
CALDWELL$2,859.99
SALMON$2,862.84
LEADORE$2,863.70
WEISER$2,864.12
MCCAMMON$2,865.42
ELK CITY$2,867.22
COUNCIL$2,868.51
NAMPA$2,869.02
RATHDRUM$2,869.15
GREENLEAF$2,871.31
SPIRIT LAKE$2,875.40
STITES$2,888.02
LEWISTON$2,890.80
SPRINGFIELD$2,895.19
DUBOIS$2,897.10
INKOM$2,900.20
MOSCOW$2,900.50
MULLAN$2,901.21
ABERDEEN$2,902.40
WALLACE$2,902.47
POCATELLO$2,906.49
AVERY$2,907.88
OSBURN$2,909.77
MONTEVIEW$2,910.08
SILVERTON$2,910.15
BLANCHARD$2,911.12
DEARY$2,911.17
ATHOL$2,911.64
CALDER$2,914.35
POLLOCK$2,916.57
KELLOGG$2,916.87
PARKER$2,917.01
FERNWOOD$2,917.14
ELK RIVER$2,917.63
BOVILL$2,917.85
SMELTERVILLE$2,918.02
SUGAR CITY$2,918.32
TROY$2,918.98
BAYVIEW$2,919.27
CLARKIA$2,919.68
GENESEE$2,921.33
RIRIE$2,922.33
JULIAETTA$2,922.35
REXBURG$2,922.90
WORLEY$2,923.28
VIOLA$2,925.52
MACKS INN$2,925.75
TENSED$2,926.80
WARREN$2,926.88
PLUMMER$2,927.88
SPENCER$2,927.88
ATOMIC CITY$2,928.21
CHESTER$2,928.51
SAINT ANTHONY$2,929.41
KENDRICK$2,929.55
PINGREE$2,931.35
DESMET$2,931.84
MEDIMONT$2,931.94
HARRISON$2,932.09
LUCILE$2,933.61
NEWDALE$2,934.77
RIGBY$2,935.59
TETON$2,936.22
ISLAND PARK$2,936.38
CATALDO$2,936.68
SANTA$2,937.09
ASHTON$2,937.21
LEWISVILLE$2,938.11
PECK$2,938.99
SAINT MARIES$2,940.69
LAPWAI$2,940.83
FELT$2,941.37
SHELLEY$2,942.05
HAMER$2,944.13
NAPLES$2,945.23
IONA$2,945.31
COTTONWOOD$2,945.39
KINGSTON$2,946.09
FIRTH$2,946.32
PONDERAY$2,947.82
COCOLALLA$2,948.73
PINEHURST$2,949.04
WINCHESTER$2,949.99
LENORE$2,950.11
KOOTENAI$2,951.68
LACLEDE$2,951.68
TERRETON$2,951.80
BASALT$2,953.40
SANDPOINT$2,953.66
CLARK FORK$2,953.78
NORDMAN$2,953.98
ROBERTS$2,955.14
COOLIN$2,956.28
WHITE BIRD$2,956.33
IDAHO FALLS$2,957.04
MOYIE SPRINGS$2,957.53
BLACKFOOT$2,958.18
GREENCREEK$2,959.06
TETONIA$2,959.41
RIGGINS$2,959.83
OLDTOWN$2,959.92
HOPE$2,960.60
DRIGGS$2,960.74
PRIEST RIVER$2,961.57
KOOSKIA$2,963.26
IRWIN$2,963.46
VICTOR$2,963.74
BONNERS FERRY$2,964.11
COLBURN$2,964.42
REUBENS$2,964.45
CAREYWOOD$2,964.55
CULDESAC$2,965.83
EASTPORT$2,967.64
PORTHILL$2,967.64
MENAN$2,968.23
SWAN VALLEY$2,968.69
FERDINAND$2,973.54
GRANGEVILLE$2,973.79
SAGLE$2,974.33
NEZPERCE$2,975.21
CRAIGMONT$2,980.70
WEIPPE$2,987.99
AHSAHKA$2,988.00
OROFINO$2,991.37
FENN$2,994.12
PIERCE$2,999.61
KAMIAH$3,008.28

Car Insurance Companies in Idaho

You’ve likely seen all the thousands of car insurance commercials out there these days. From Geico’s gecko mascot to Flo from Progressive. Now imagine all of these companies being advertised trying to fight for your business. Intense, right?

That’s what we’re here to help you with. Which companies are worth your time and money?

– Largest Companies Financial Rating

Did you know that you can find out what kind of financial rating a car insurance provider has? It’s something known as an A.M. Best Rating, and it basically grades a provider based on their financial strength. Are they more financially healthy, or less so?

Providers (Listed by Size, Largest to Smallest)A.M. Best Rating
State Farm GroupA++
GeicoA++
Farm Bureau GroupA
Liberty Mutual GroupA
Progressive GroupA+
Farmers Insurance GroupA
Allstate Insurance GroupA+
USAA GroupA++
American Family Insurance GroupA
Sentry Insurance GroupA+

You can see in the above table that a few providers have an A++ rating. This is a very good thing, as the more plus signs behind the grade, the higher the rating is.

– Companies with the Best Customer Ratings

According to a 2018 J.D. Power study, they found out the annual auto insurance customer satisfaction based off of region. Below is the northwest region’s customer satisfaction results.

jd power study idaho

– Companies with Most Complaints in Idaho

The other side of the coin for customer satisfaction is which company has the most complaints.

Company Name# of ComplaintsIndexMarket SharePremium
State Farm32.2413.38 %$126,962,470
Liberty Mutual29.992.00 %$19,000,251
Safeco11.327.58 %$71,952,626
Geico14.062.46 %$23,355,526

Keep in mind with the data above that there is more to consider with car insurance companies than just their complaint ratio. Every company has complaints, not everyone is going to be happy with the plan they got.

Customer complaints are definitely something to consider, but take it with a grain of salt. You don’t make it onto the top 10 list of insurance providers unless it’s for a reason,

– Idaho Car Insurance Rates by Company

Alright, so how much is all this gonna cost? Well, each company charges different for their insurance coverage, so we’ve collected all of the data for you to help you compare.

CompanyAverageCompared to State Average 
Allstate F&C$4,088.76$1,225.9529.98%
American Family Mutual$3,728.79$865.9723.22%
Farmers Ins Co Of ID$3,168.28$305.479.64%
Geico General$2,770.68-$92.14-3.33%
Safeco Ins Co of IL$2,301.51-$561.30-24.39%
Depositors Insurance$2,735.44-$127.37-4.66%
State Farm Mutual Auto$1,867.96-$994.85-53.26%
Travelers Home & Marine Ins Co$3,226.29$363.4811.27%
USAA$1,877.61-$985.20-52.47%

– Commute Rates by Companies

GroupCommute & Annual MileageAnnual Average
Allstate10 miles commute. 6000 annual mileage.$4,088.76
Allstate25 miles commute. 12000 annual mileage.$4,088.76
American Family10 miles commute. 6000 annual mileage.$3,651.77
American Family25 miles commute. 12000 annual mileage.$3,805.81
Travelers10 miles commute. 6000 annual mileage.$3,226.29
Travelers25 miles commute. 12000 annual mileage.$3,226.29
Farmers10 miles commute. 6000 annual mileage.$3,168.28
Farmers25 miles commute. 12000 annual mileage.$3,168.28
Geico10 miles commute. 6000 annual mileage.$2,723.05
Geico25 miles commute. 12000 annual mileage.$2,818.30
Nationwide10 miles commute. 6000 annual mileage.$2,735.44
Nationwide25 miles commute. 12000 annual mileage.$2,735.44
Liberty Mutual10 miles commute. 6000 annual mileage.$2,301.51
Liberty Mutual25 miles commute. 12000 annual mileage.$2,301.51
State Farm10 miles commute. 6000 annual mileage.$1,823.01
State Farm25 miles commute. 12000 annual mileage.$1,912.91
USAA10 miles commute. 6000 annual mileage.$1,855.16
USAA25 miles commute. 12000 annual mileage.$1,900.06

– Coverage Level Rates by Companies

Did you know that you could be paying MORE for a lower coverage plan? Depending on the company, you may actually be wasting money for a coverage plan that won’t protect you as well as a high coverage plan would.

GroupCoverage TypeAnnual Average
AllstateHigh$4,249.86
AllstateMedium$4,080.92
AllstateLow$3,935.49
American FamilyHigh$3,542.83
American FamilyMedium$3,914.07
American FamilyLow$3,729.46
TravelersHigh$3,232.47
TravelersMedium$3,273.82
TravelersLow$3,172.59
FarmersHigh$3,359.73
FarmersMedium$3,132.36
FarmersLow$3,012.76
GeicoHigh$2,918.37
GeicoMedium$2,766.30
GeicoLow$2,627.36
NationwideHigh$2,635.33
NationwideMedium$2,874.15
NationwideLow$2,696.85
Liberty MutualHigh$2,429.56
Liberty MutualMedium$2,297.91
Liberty MutualLow$2,177.07
State FarmHigh$1,969.68
State FarmMedium$1,871.85
State FarmLow$1,762.35
USAAHigh$1,935.74
USAAMedium$1,874.40
USAALow$1,822.69

So you can see from the table above that a low coverage plan for American Family is $3,729.46, while a high coverage plan with Travelers would only be $3,232,47. That’s a several hundred dollar difference.

The more you shop and compare, the more you could be saving!

– Credit History Rates by Companies

GroupCredit HistoryAnnual Average
AllstatePoor$5,398.15
AllstateFair$3,666.01
AllstateGood$3,202.11
American FamilyPoor$4,816.08
American FamilyFair$3,436.47
American FamilyGood$2,933.82
FarmersPoor$3,573.21
FarmersFair$3,033.33
FarmersGood$2,898.31
GeicoPoor$3,368.23
GeicoFair$2,689.62
GeicoGood$2,254.17
Liberty MutualPoor$3,283.44
Liberty MutualFair$2,020.02
Liberty MutualGood$1,601.08
NationwidePoor$3,266.83
NationwideFair$2,632.86
NationwideGood$2,306.63
State FarmPoor$2,624.03
State FarmFair$1,658.82
State FarmGood$1,321.02
TravelersPoor$3,694.26
TravelersFair$3,107.83
TravelersGood$2,876.79
USAAPoor$2,744.62
USAAFair$1,599.54
USAAGood$1,288.67

– Driving Record Rates by Companies

If you have a clean driving record, you won’t have much to worry about for insurance rates. The more you add onto your record, however, the more you could be paying for your rate.

GroupDriving RecordAnnual Average
USAAClean record$1,347.13
USAAWith 1 accident$1,921.59
USAAWith 1 DUI$2,609.61
USAAWith 1 speeding violation$1,632.10
TravelersClean record$1,990.40
TravelersWith 1 accident$2,832.53
TravelersWith 1 DUI$4,913.17
TravelersWith 1 speeding violation$3,169.07
State FarmClean record$1,703.63
State FarmWith 1 accident$2,032.29
State FarmWith 1 DUI$1,867.96
State FarmWith 1 speeding violation$1,867.96
NationwideClean record$2,088.90
NationwideWith 1 accident$2,712.70
NationwideWith 1 DUI$3,792.39
NationwideWith 1 speeding violation$2,347.77
Liberty MutualClean record$1,912.27
Liberty MutualWith 1 accident$2,394.45
Liberty MutualWith 1 DUI$2,469.94
Liberty MutualWith 1 speeding violation$2,429.40
GeicoClean record$1,703.22
GeicoWith 1 accident$2,715.10
GeicoWith 1 DUI$3,793.66
GeicoWith 1 speeding violation$2,870.72
FarmersClean record$2,765.42
FarmersWith 1 accident$3,502.85
FarmersWith 1 DUI$3,281.82
FarmersWith 1 speeding violation$3,123.03
American FamilyClean record$2,939.25
American FamilyWith 1 accident$4,158.40
American FamilyWith 1 DUI$4,488.53
American FamilyWith 1 speeding violation$3,328.97
AllstateClean record$3,374.66
AllstateWith 1 accident$4,240.80
AllstateWith 1 DUI$4,737.87
AllstateWith 1 speeding violation$4,001.71

– Number of Insurers in Idaho

Property & Casualty InsuranceTotal
Domestic10
Foreign822
Total832

For the table above, keep in mind that a foreign provider is an insurance provider that is available in any state (such as Geico, Progressive, etc.) while a domestic provider is an insurance provider that is ONLY available in the state of Idaho.

Idaho State Laws

In order to drive in Idaho, you’ll want to know state laws specific to driving in Idaho. After all, if you try to drive in Idaho thinking that the same laws as driving in California, or in Washington, will be the same, you’ll be wrong.

Save yourself from tickets and fines from laws you didn’t even know existed. In this section, we’ll cover all of the specific state laws for Idaho and break them down for you.

– Car Insurance Laws

There are specific laws regarding car insurance unique to Idaho citizens. Each state has laws for car insurance such as this regarding items such as high-risk insurance, low-cost government assisted insurance programs, the statute of limitations, and more.

We’ll go over some of these Idaho specific car insurance laws in this section in more detail.

– How State Laws for Insurance are Determined

According to the NAIC, Idaho follows a very specific way in which insurance can be filed:

” Regarding form filings, file and use – filing shall be submitted with certification that each policy complies with Idaho law (Section 41-1812).”

– Windshield Coverage

Depending upon the state in which you live in, windshield coverage may be required in addition to all of your other minimum liability coverage.

Idaho, luckily, is not one of these states. You get the option of choosing how/with what you repair/replace your windshield should it ever be damaged.

Windshield coverage is nonetheless excellent coverage to have on your policy, as the windshield is kind of a big deal to have on your vehicle.

If you do decide you’d like to opt for windshield coverage in Idaho, you’ll need to make sure you’ve purchased comprehensive coverage. You can check out Idaho’s Department of Insurance Claims Page for more information.

– High-Risk Laws

How’s your driving record? Chances are that if you’ve had multiple driving offenses on your record, you’ve been labeled as a ‘high-risk driver’. What exactly does this mean for you?

Well, it makes it extremely difficult to find a car insurance provider who is willing to offer you coverage. This can put you in quite the pickle though, as you’re still required to have car insurance in order to legally drive in Idaho. So what do you do?

Luckily, Idaho has a high-risk insurance plan known as the Idaho Automobile Insurance Plan, also known as IDAIP. How does this plan work for you?

Well, IDAIP works with all of the different insurance providers who provide insurance for Idaho citizens. In order for these companies to be able to serve their Idaho clients, they must agree to be part of this plan.

If they don’t, they are not permitted to operate within the state. IDAIP then assigns you to an insurance company.

How do you qualify for this program?

  • Provide written proof that you have not been able to acquire coverage in the past 60 days
  • Been offered carrier rates that are higher than IDAIP’s

If you do qualify, you’re going to need to do a few things before you can fill out an application:

  • Possess a valid drivers license
  • Your vehicle is registered in Idaho
  • Make sure you have not skipped any payments to an auto insurance provider within the past 12 months
  • Make sure your policy hasn’t been canceled due to you not fulfilling your car’s safety inspection

If you do not have the above items, your application will be rejected.

Once being accepted into the program, your coverage will last for three years. Take our advice, try to improve your driving record during that time! Otherwise, you could be paying massively high insurance rates.

– Low-Cost Insurance

Some states are able to provide their citizens with a low-cost insurance program for those who are low-income. Idaho is unfortunately not one of these states, but that doesn’t mean you can’t save some cash.

Aside from having a clean driving record and a good credit history, many insurance providers offer discounts that you may qualify for.

Check out these common insurance discounts to see if you qualify:

  • Good Student
  • Home-Owner
  • Multi-Car
  • Bundled (if the provider also offers other types of insurance such as home-owners insurance)
  • Paperless
  • Auto-Pay
  • Paid-in-Full
  • Accident-Free
  • Emergency Roadside Assistance
  • Defensive Driver Training/Course
  • Affiliation (through an employer, school, team, club, etc.)

– Automobile Insurance Fraud in Idaho

Insurance fraud is a crime all across the nation, with billions of dollars lost each year.

Idaho law under Statute 41-293 states that automobile insurance fraud can be committed by:

  • Faking an accident
  • Additional ‘costs’ that are untrue on a claim that is actually true
  • Obtaining money or benefit from false claims/information
  • Assisting with the falsification of claims/information

Under this, if you were to commit insurance fraud, you could be facing:

  • Prison time of up to 15 years
  • $15,000 in fines

So if you need to make a claim to your insurance provider, make sure everything is correct and accurate, otherwise, it could cost you your freedom.

– Statute of Limitations

The statute of limitation is how long you have in order to make a claim if you are ever in an accident. Each state differs in this time frame and depends on whether it is a personal injury claim or a property damage claim.

In Idaho, the statute of limitations is as follows:

  • Personal Injury Claim: two years
  • Property Damage Claim: three years

Getting your insurance claim submitted within this time frame will ensure that you can get the money you need.

– Vehicle Licensing Laws

The various types of licensing procedures and laws are what we’ll cover in this section.

Let’s get to it.

– Penalties for Driving without Insurance

It is required that in ordered to legally drive in Idaho, you have to carry at least one of the acceptable forms of financial responsibility with you. Driving without your insurance can lead you to some serious penalties.

A first-time offense can lead you to a $75 fine as well as your license being suspended. Once your license is suspended, you will then have to offer some proof of insurance in order to get it reinstated.

A second-time violation (within a five year period of the first offense) will wind up costing you $5,000 as well as your license being suspended once again.

This time though, in order to get your license reinstated, you must show and maintain proof of insurance for at least three years. You may also possibly see a six-month prison sentence.

So remember, carrying your proof of insurance with you while operating your vehicle is crucial. Avoid all the fines and penalties by keeping it with you at all times.

– Teen Driver Laws

Idaho teens are in luck! You only need to be 14 years of age and six months in order to get your learner’s permit.

In order to qualify for a restricted license, teens have to follow some pretty strict rules:

  • Have a learner’s permit for a minimum of six months
  • Have supervised driving time of a minimum of 50 hours
  • Be at least 15 years of age

During this time period of intermediate licensing, teens will also have to watch out for:

  • Nighttime driving restrictions between sunset and sunrise
  • Drivers 16 years old and younger can only drive if a family member is present, and can not have a passenger under the age of 17

These restrictions can then be lifted at 16 years old for nighttime driving and 17 or older for passenger restrictions.

– Older Driver and General Population License Renewal Procedures

After a certain period of time, your driver’s license needs to be renewed. That is standard across the nation, but what you are required to do upon renewal changes from state to state.

In Idaho, the following license renewal procedures are enacted for older drivers, as well as for the general population:

ProcedureGeneral PopulationOlder Population
Renewal PeriodEvery 4 or 8 years (personal option)Every 4 years (for people 63 and older)
Proof of VisionRequired at each renewalRequired at each renewal
Online/Mail Renewal PermittedBy mail, every other renewal; must choose 4-year licenseNot permitted 70 and older

– New Residents

New in town? If so, there’s a couple of things you’re going to want to make sure you do in order to cruise the Idaho roads.

You’ll need to apply for an Idaho driver’s license within the first 90 days of you establishing your residence by converting your older driver’s license over. There’s a couple of documents that you’ll need to apply:

  • Documentation of Idaho residency (such as a rental agreement, utility bill, school enrollment records, mortgage payment documentation, etc.)
  • ID proving age and identity (such as a passport, birth certificate, citizenship certificate, etc.)
  • Proof of lawful U.S. presence (such as a court order, divorce documents, marriage certificate, etc.)
  • Proof of name change (if applicable)

Be prepared to pay some fees for the driving tests when you arrive, driver’s fees are as follows:

  • Written Knowledge Test – $3
  • Testing fees for the driving test – $28.50
  • County Fees for the driving test – $6.50

– Negligent Operator Treatment System

Driving recklessly not only can put others in danger but can lead you to a world of trouble in Idaho.

Under Idaho’s Statute 49-1401, reckless driving can be considered for:

  • Driving in a thoughtless way that could cause danger to individuals or property
  • Passing another car when the lane shows restrictions on sight

So what would happen if you were to drive reckless and get caught? Well, the associated penalties for a first-time offense can lead you to $1,000 in fines as well as up to six months in prison. Any following offenses, within a five-year time period, can lead you to $2,000 in fines and up to a year in prison.

Remember to drive safe out there!

– Rules of the Road

Want to know more about some of the specific rules of the road for Idaho?

Keep reading to learn more.

– Fault Versus No-Fault

Idaho, like most states in the nation, follows something known as the fault system. This fault system refers to any damages or injuries that have occurred as the result of a vehicular accident.

The driver who is at fault for the accident is the one who is held liable, meaning that their insurance company is the one who will compensate you.

Keep in mind for this, if the driver who does cause the accident doesn’t have the right policy or doesn’t have any coverage at all, these costs could fall onto you if you don’t have the right coverage.

If you make sure to get the best insurance coverage, including Uninsured/Underinsured Motorist Coverage, you’ll have less to worry about if something like this were to happen to you.

– Seat Belt and Car Seat Laws

Seat belt and car seats are extremely important when driving. They help keep you, and your passengers, safe on the road. Not wearing them can not only lead to penalties but could cost a life.

In the state of Idaho, all passengers ages 7 years and older must be restained in a seat belt. You could be fined $10 if you are caught without your seat belt.

For child restraints, all children ages 6 years and under must be fastened into a child restraint. They are not permitted to use an adult seat belt. Fines for this can be up to $79.

Stay safe out there and buckle up.

– Keep Right and Move Over Laws

Keep Right and Move Over Laws may sound intense, but they’re actually quite simple to follow.

Idaho laws require that if you are driving slower than the average speed of those around you, you should keep right on the road. Simple enough, right?

Move over laws are just as easy. If you see a vehicle with flashing lights, move over.

Types of vehicles with these flashing lights include:

  • Fire trucks
  • Ambulance
  • Utility Workers
  • Law Enforcement

So if you see any vehicles like this, make sure you move over into another lane. If you don’t, it’s considered a moving violation and will cost you three demerit points on your license and a possible $90 citation fee.

– Speed Limits

Speed limits are enforced in order to keep drivers safe on the road. It prevents drivers from excessively speeding in an area that may be too dangerous for higher speeds.

Every road has set speed limits, and going excessively above these limits can result in not only hefty fines and penalties by law enforcement, but could also lead to an accident.

Below are the maximum posted daytime speed limits on the road in Idaho.

  • Rural Interstates: 75 mph (80 mph on specified segments of the road where engineering and traffic investigations have deemed them appropriate)
  • Urban Interstates: 75 mph (80 mph on specified segments of the road where engineering and traffic investigations have deemed them appropriate)
  • Other Limited Access Roads: 70 mph
  • Other Roads: 70 mph

Make sure you know the speed limits in Idaho when driving by keeping a close eye out for the posted speed limits signs on the road.

– Ridesharing

Think you’ve never heard of ridesharing? Sure you have. Ever heard of companies such as Uber and Lyft? These companies provide what is known as ridesharing services.

Should you ever feel like you want to earn some extra cash and work for one of these kinds of companies, you’ll need to make sure that you have at least the minimum liability coverage for Idaho.

There is currently no ridesharing specific coverage in Idaho.

– Automation on the Road

Automation on the road doesn’t necessarily mean flying cars. It means more like functions we already use today such as self-parking features or cruise control, for example.

Some states are cracking down on these types of new technologies, but Idaho is currently not one of them.

The governor of Idaho, back in January of 2018, created the Autonomous and Connected Vehicle Testing and Deployment Committee to further study automation on the road.

Who knows what lies ahead.

– Safety Laws

Let’s NOT get dangerous! Check out some of Idaho’s key safety laws below.

– DUI Laws

If you are thinking that you can drink and drive in Idaho, think again. Idaho is cracking down the law on those who try to get behind the wheel after they’ve had a few too many.

The table below gives you a better look as to why you should think again before you try to get behind the wheel after you’ve had a few too many.

Idaho's DUI LawsInfo
BAC Limit0.08
High BAC Limit0.2
Criminal Status by Offense1st-2nd are misdemeanors. 2nd or subsequent with BAC > 0.20 are a felony. 3rd+ are a felony. DUI with bodily harm or disfigurement is a felony.
Formal Name for OffenseDriving Under the Influence (DUI)
Look Back Period/Washout Period10 years for a DUI, 5 years for HBAC.
1st Offense- ALS or Revocation90-180 days
1st Offense- ImprisonmentNo minimum, but up to 6 months.
1st Offense- FineNo minimum, but up to $1000.
2nd Offense- DL RevocationIf within 10 years: 1 year mandatory suspension with no driving privileges of any kind.
2nd Offense- ImprisonmentMandatory 10 days up to 1 year.
2nd Offense- FineNo minimum, but up to $2000.
2nd Offense- OtherIID Mandatory
3rd Offense- DL RevocationIf within 10 years: 1-5 years. The one mandatory year to start after release from confinement and with no driving privileges of any kind.
3rd Offense-Imprisonment30 days to 5 years.
3rd Offense- FineNo minimum, but up to $5000.
3rd Offense- OtherIID Mandatory
Mandatory InterlockRepeat Offenders

Why are these laws so strict in Idaho?

Idaho is currently ranked as the 10th most dangerous state for drunk driving in the nation.

So if you’ve been having a night out on the town, make sure you have a backup plan to get yourself home safely. You can always call a designated driver or a friend/family member nearby, or you could even contact a ridesharing service such as Uber or Lyft.

– Marijuana-Impaired Driving Laws

Marijuana is starting to get legalized in many states, putting into question whether there should be any specific laws about driving while under the influence of marijuana.

Idaho is not one such state to have legalized it, so even having it on you will be considered a felony.

– Distracted Driving Laws

Idaho is one of only a few states that does not have any specific legal bans on hand-held devices.

While there are no specifics for hand-held devices, there is, however, a texting ban for all drivers on the road.

That text can wait.

Driving in Idaho

Down the last section. We’ve gone over laws, coverage, rates, and various other topics.  We’ll now cover how exactly that translates to driving in this state.

Let’s do this.

– Vehicle Theft in Idaho

According to an FBI Crime Report for Idaho in 2013, there were 10 vehicles that were stolen the most in the entire state. There were approximately 200 motor vehicle thefts in Boise, Idaho alone.

Make/ModelYearNumber of Thefts
Ford Pickup (Full Size)2004108
Chevrolet Pickup (Full Size)199976
Honda Accord199666
Honda Civic199652
Dodge Pickup (Full Size)200145
GMC Pickup (Full Size)199232
Ford Explorer200222
Ford Pickup (Small Size)199119
Toyota Camry199719
Jeep Cherokee/Grand Cherokee199719

A lot of pickups on this list, by far one of the most popular.

– Road Fatalities in Idaho

In this section, we’ll go over the tragic statistics of the different factors for road fatalities. We’ll cover everything from the type of crash, weather conditions, the type of road, and more.

– Fatal Crashes by Weather Condition and Light Condition

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal1091453181195
Rain3361013
Snow/Sleet301004
Other5050010
Unknown001001
TOTAL1201766191223

– All Fatalities by County

County20132014201520162017
Ada1615232430
Adams30415
Bannock81091013
Bear21021
Benewah43210
Bingham101017108
Blaine32013
Boise44934
Bonner681577
Bonneville51031211
Boundary23012
Butte01112
Camas00110
Canyon2319252822
Caribou50311
Cassia357136
Clark10130
Clearwater31351
Custer11542
Elmore10210912
Franklin36252
Fremont32212
Gem20212
Gooding104446
Idaho9144148
Jefferson32434
Jerome7571610
Kootenai116111519
Latah96134
Lemhi45211
Lewis02111
Lincoln22432
Madison00322
Minidoka32444
Nez Perce95457
Oneida21002
Owyhee41214
Payette21444
Power33322
Shoshone443108
Teton00010
Twin Falls71211189
Valley37009
Washington51022

– Road Type Fatalities

TypeNumber of Fatalities
Rural Traffic Fatalities135
Urban Traffic Fatalities38

– Person Type Fatalities

Person Type20132014201520162017
Passenger Car7759697467
Light Truck - Pickup4539386049
Light Truck - Utility3529424852
Light Truck - Van33887
Large Truck575413
Bus10000
Other/Unknown Occupants6812109
Light Truck - Other00623
Total Motorcyclists2525282225
Pedestrian141381716
Bicyclist and Other Cyclist32063
Total Nonoccupants171682519
Other/Unknown Nonoccupants01020
Total214186216253244

– Crash Type Fatalities

Crash TypeFatalities
Single Vehicle137
Involving a Large Truck46
Involving Speeding48
Involving a Rollover109
Involving a Roadway Departure162
Involving an Intersection45

– 5 Year Trend for the Top 10 Counties

County20132014201520162017
Ada County1615232430
Canyon County2319252822
Kootenai County116111519
Bannock County81091013
Elmore County10210912
Bonneville County51031211
Jerome County7571610
Twin Falls County71211189
Valley County37009
Bingham County101017108

– Speeding Fatalities by County

County Name20132014201520162017
Ada County224311
Adams County10100
Bannock County24010
Bear Lake County10000
Benewah County31200
Bingham County33423
Blaine County00002
Boise County02301
Bonner County01124
Bonneville County06223

– Alcohol-Impaired Fatalities by County

County Name20132014201520162017
Ada County63869
Adams County00100
Bannock County22233
Bear Lake County01011
Benewah County11000
Bingham County24632
Blaine County00010
Boise County31502
Bonner County02510
Bonneville County21120

– Teen Drinking and Driving

Why is the above statistic even more tragic? This includes teen drivers who have driven under the influence.

Idaho is currently ranked as the 11th most dangerous state for drunk driving of teen drivers.

Your whole life is ahead of you teens! Don’t throw it all away just to have a few beers with some friends and then try to drive yourself home.

– EMS Response Time

Type of RoadTime of Crash to EMS NotificationEMS Notification to EMS ArrivalTotal Fatal Crashes
Rural4.7313.33177
Urban2.236.0744

– Transportation

How do you transport yourself around the Idaho landscape?

– Car Ownership

The average number of vehicles owned, per household, in Idaho is two vehicles. This number is pretty standard across most households across the nation.

– Commute Time

How long does it take you to get to work in the morning? To get back home afterward? The average commute time in Idaho is 19.8 minutes, which is pretty impressive considering that the national average is approximately 25.5 minutes.

This means that on average, Idaho citizens spend LESS time in traffic than most other states in the United States.

– Commuter Transportation

Do you prefer to drive alone when you commute? Or do you like to have a few buddies with you? Well, on average, Idaho citizens seem to prefer to drive alone by a whopping 79.1 percent.

– Traffic Congestion in Hawaii

Good news Idaho citizens! According to INRIX’s scorecard, absolutely NONE of Idaho’s cities made it onto their lists for traffic congestion. This is a really good thing, as it means that even some of the bigger and busier cities in the state aren’t congested enough to make it onto this list.

According to TomTom, however, the city of Boise, Idaho does have a decent amount of traffic congestion.

Boise, Idaho Traffic Congestion according to TomTomDetails
Rank (in the nation)29
Congestion Level20% (down 1%) 
Extra Travel Time- 20%
- 17 minutes of traffic per day
- 67 hours of traffic per year
Morning Peak22%
Evening Peak34%
Highways60 km
Non-Highways6,909 km

Numbeo as well has added Boise onto their list for traffic congestion.

Boise, Idaho Traffic Congestion according to NumbeoDetails
Rank (in the nation)56
Traffic Index103.65
Time Index (in minutes)21.05
Time Exp. Index21.05
Inefficiency Index79.48
CO2 Emission Index4775.33

You’ve made it all the way to the end of our comprehensive guide for Idaho. We wish you the best on your car insurance hunt, and hope that this guide was able to provide you with the information you’ll need to make the best decision for yourself.

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