The Ultimate Idaho Car Insurance Guide (Costs + Coverage)

Idaho Statistics SummaryDetails
Miles of Roadway48,902
Miles Driven in 201416,154 million
Vehicles Registered 20141,696,496
Estimated Population 20181,754,208
Most Popular VehicleFord F150
Vehicle Thefts 20171,661
Uninsured Motorists8.20%
State Rank: 40
Driving Fatalities 2017Speeding: 48
DUI: 60
Average Annual Premiums Liability: $344.29
Collision: $219.05
Comprehensive: $116.55
Combined: $679.89
Cheapest Provider State Farm

Idaho residents know there’s a whole lot more to the state than potatoes! Although potatoes do have a big role in the economy. Potatoes represent 15 percent of the state’s gross product.

Recreational opportunities abound in Idaho. Whether you’re interested in hitting the slopes for some deep powder, white water rafting, hot spring soaking, or enjoying the outdoors in some other way, Idaho has the goods!

If you’re more of a cultural connoisseur, Idaho has museums, music festivals, and fine dining to suit your preference.

Whatever you enjoy, you’re going to have to hit the road to get there. And if you’re going to drive, you’re going to need car insurance.

What kind of car insurance do you need? Where can you find the best price? How do you know which company is best?

Finding answers to these questions can take a lot of time and can feel overwhelming, but we’ve already done the work, and we’ll answer those questions and more starting with what Idaho law requires.

If you want to compare rates quickly and easily, we have just the tool for you! Enter your zip code above and see how much you could save on car insurance.

Table of Contents

Idaho Car Insurance Coverage and Rates

The first thing you need to know is what insurance you need and how much of it you need to comply with the law. Let me preface these required minimums by saying that what the state requires is insufficient to adequately protect you financially.

Many car insurance companies won’t even offer a quote for the minimum state requirement. Experts recommend that at the very least, you should carry $100K bodily injury liability for one person, $300K bodily injury liability per accident and $50K for property damage liability.

– Minimum Coverage

Insurance RequiredMinimum dollar amount
Bodily Injury Liability Coverage$25,000 per person
$50,000 per accident
Property Damage Liability Coverage$15,000 per accident
Uninsured Motorist Coverage (may be declined by signing a form)Amount must equal selected bodily injury liability coverage amount

You may see Idaho’s requirements represented as follows: 25/50/15. The table above spells out what those numbers mean.

As previously encouraged, you should consider higher liability limits. Consider the following scenario: You t-bone a new Cadillac Escalade. The driver and passenger both require hospitalization and months of therapy.

The medical bills of the injured party exceed $100,000 and the property damage is about $60,000.

If you have only the minimum state-required limits, you will be liable for the difference which is over $50,000 for injuries and $45,000 for property damage. The injured party would collect from your insurance agency and then sue you for the remainder.

It doesn’t cost that much more to increase your limits, and it is money well-spent.

– Forms of Financial Responsibility

An insurance policy is the most common way to meet the liability requirements in Idaho. Proof of insurance can be in the following forms:

  • Insurance card
  • Electronic verification

Another less common option is to post an indemnity bond of at least $50,000, of which $15,000 is for property damage, for each registered vehicle up to $120,000 maximum for five or more vehicles.

– Premiums as a Percentage of Income

YearFull CoverageDisposable
Income
Insurance as %
of Income
2012$639.19$31,589.002.02%
2013650.57$32,312.002.01%
2014673.13$33,600.002.00%

The average disposable personal income (DPI) in Idaho is $33,600 per year. DPI is the money you have left after taxes. Car insurance costs an average of $673 a year, which ends up being two percent of the average Idahoan’s DPI.

Over the course of three years, the cost of car insurance has risen as the average income has risen in Idaho.

Nationally, people pay about 2.4 percent of their DPI for auto insurance.

– Idaho Cost for Core Coverage Compared to National Cost

Coverage Type Annual Cost Idaho (2015)U.S. Average Annual Cost (2015)
Liability$344.29
$538.73
Collision$219.05$322.61
Comprehensive$116.55$148.04
Combined $679.89$1009.38

The good news for Idaho residents is that rates are significantly lower than the countrywide average.

– Additional Liability

Uninsured and underinsured motorist coverage is an important coverage option. You can refuse this coverage in Idaho by signing a form, otherwise, it will be automatically added to any policy.

And that’s not a bad thing!

In Idaho, 8.2 percent of motorists are uninsured. If one of those drivers causes an accident with you, most likely you will be out of luck. You’ll probably end up paying your expenses out of pocket.

Unless you have uninsured motorist coverage!

Be sure to consider both uninsured/underinsured motorist coverage for bodily injury and property damage.

Another type of insurance that is optional in Idaho is Medical Payments (MedPay). That coverage will pay for your medical expenses regardless of whose fault the accident is.

Below is a table showing the loss ratio trend for uninsured/underinsured motorist and MedPay in Idaho.

Loss Ratio201520142013
Medical Payments (MedPay)79.9473.0069.52
Uninsured/ Underinsured Motorist Coverage 59.2057.4054.69

The loss ratio for those two kinds of coverage has been increasing over the past three years of data available. MedPay is approaching a loss ratio where you can expect rates to increase to stay solvent.

Uninsured/underinsured motorist coverage continues to have a fairly low loss ratio even though it has been rising, so it’s not as likely you’ll see the cost for that type of coverage increase much.

If you’re wondering what a loss ratio is, we’ll cover that next:

The loss ratio is the insurance company’s money spent on claims compared to money earned in premiums.

If an insurance company pays out $50 in claims for every $100 earned in premiums, we would say their loss ratio is 50 percent.

If a loss ratio exceeds 100, the insurance company, or industry, is spending more than they are earning.

– Add-ons, Endorsements, and Riders

We’ve covered liability, uninsured motorist protection, and MedPay, but there are many other types of coverage you should examine and consider when building your policy so you’re not surprised that something isn’t covered when you make a claim.

  • Guaranteed Auto Protection (GAP) – Covers the difference between what you owe on a new car and the car’s actual cash value
  • Personal Umbrella Policy (PUP) – Provides an extra level of liability protection.
  • Rental Reimbursement – Pays for a rental car if your car is damaged
  • Emergency Roadside Assistance – Covers the cost of a tow, jump, tire change, and other things you may need 
  • Mechanical Breakdown Insurance – Similar to an extended warranty, this coverage is only available for cars that meet certain criteria
  • Non-Owner Car Insurance – This is a good choice for people who rent or borrow cars but don’t own their own
  • Modified Car Insurance Coverage – If you’ve customized your ride, regular insurance won’t cover the increased costs. Modified coverage will
  • Classic Car Insurance – If you drive an antique or classic car, often a tailor-designed policy will provide the most appropriate coverage
  • Usage-Based Insurance – Several major car insurance companies have plans available where you can be eligible for discounts for safe driving

Pay-as-you-drive types of policies aren’t yet available in Idaho, but thanks to their growing popularity, they may become available soon.

Next up, rate comparisons from some of the major insurance companies. We partnered with Quadrant Data Solutions to bring you these rate comparisons that follow.

Keep in mind that these averages include all driving records, all credit scores, and all coverage levels.

Your rates will almost certainly differ from these. This difference is why it’s vitally important for you to do a comparison search of quotes for yourself.

– Demographic Rates

Curious how rates compare between men and women in Idaho? We’ll show you the comparison next!

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$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 $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 $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 $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 $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$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 $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 $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

Idaho car insurance rate comparison male/female 17-year-old

Unsurprisingly, every company in our study charges 17-year-old males more for identical coverage than their female counterpart. Statistics prove that teen males are a higher risk for unsafe driving activity than teen females.

From the chart above, it’s clear to see that Travelers is not the best choice for a teen male!

Idaho car insurance rate comparison male vs female 25-year-old single

In the 25-year-old category, females usually still pay less for coverage in Idaho unless you go with GEICO, who charges females more.

Idaho male vs female car insurance rates 35-year-old married

As you can see, depending on the company, married 35-year-old men and women take turns paying more for car insurance. When you see the rates like this, it’s obvious that the difference in rates is negligible.

American Family and State Farm charge identical rates for 35-year-olds regardless of sex.

Idaho car insurance rates male vs female 60-year-old

Once again, this time for the 60-year-old married category, American Family and State Farm charged the same price regardless of sex.

– Rank by Demographic

CompanyDemographicAverage Annual RateRank
TravelersSingle 17-year old male$10,577.291
AllstateSingle 17-year old male$9,910.142
American FamilySingle 17-year old male$9,709.853
AllstateSingle 17-year old female$8,575.444
FarmersSingle 17-year old male$7,928.275
FarmersSingle 17-year old female$7,662.216
American FamilySingle 17-year old female$7,458.867
TravelersSingle 17-year old female$6,688.718
DepositorsSingle 17-year old male$5,610.659
GEICOSingle 17-year old male$5,332.8110
SafecoSingle 17-year old male$5,157.4511
SafecoSingle 17-year old female$4,638.2712
DepositorsSingle 17-year old female$4,550.0213
State FarmSingle 17-year old male$4,333.1914
GEICOSingle 17-year old female$4,285.4115
USAASingle 17-year old male$4,046.5716
USAASingle 17-year old female$3,611.6517
State FarmSingle 17-year old female$3,436.8918
AllstateSingle 25-year old male$2,771.4619
GEICOSingle 25-year old female$2,715.7520
American FamilySingle 25-year old male$2,634.5521
AllstateSingle 25-year old female$2,620.5422
AllstateMarried 35-year old female$2,345.0123
DepositorsSingle 25-year old male$2,339.9424
AllstateMarried 35-year old male$2,332.5225
DepositorsSingle 25-year old female$2,171.9526
AllstateMarried 60-year old male$2,114.9127
American FamilyMarried 35-year old female$2,098.6628
American FamilyMarried 35-year old male$2,098.6628
American FamilySingle 25-year old female$2,098.6628
GEICOSingle 25-year old male$2,092.8731
AllstateMarried 60-year old female$2,040.0632
GEICOMarried 35-year old female$2,003.5433
GEICOMarried 35-year old male$1,977.8534
FarmersSingle 25-year old male$1,917.7735
GEICOMarried 60-year old female$1,905.9736
DepositorsMarried 35-year old male$1,901.4137
American FamilyMarried 60-year old female$1,865.5338
American FamilyMarried 60-year old male$1,865.5338
DepositorsMarried 35-year old female$1,856.7740
GEICOMarried 60-year old male$1,851.2141
FarmersSingle 25-year old female$1,819.8642
DepositorsMarried 60-year old male$1,778.3243
DepositorsMarried 60-year old female$1,674.4744
TravelersSingle 25-year old male$1,650.0445
SafecoSingle 25-year old male$1,618.6746
FarmersMarried 35-year old female$1,579.8647
USAASingle 25-year old male$1,572.6848
FarmersMarried 35-year old male$1,568.8749
SafecoMarried 35-year old male$1,555.1450
SafecoSingle 25-year old female$1,530.6551
State FarmSingle 25-year old male$1,498.3252
FarmersMarried 60-year old male$1,475.1953
USAASingle 25-year old female$1,458.5854
SafecoMarried 35-year old female$1,441.6655
TravelersSingle 25-year old female$1,440.6156
FarmersMarried 60-year old female$1,394.2157
TravelersMarried 35-year old male$1,376.8758
TravelersMarried 60-year old female$1,363.7259

As you can see, 17-year-olds pay the highest rates all around.

– Rates by Zip Code

Search your zip code below to see find what the average rates are where you live.

ZipcodeAverageAllstate American Family Farmers GEICO Safeco Depositors State Farm TravelersUSAA
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

– Rates by City

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

The rates between cities only vary but about $370 from the most expensive city, Kamiah, and the least expensive city, Meridian.

Most states see a much bigger difference between cities. Idaho is consistent with rates statewide.

Obviously, not all the cities listed above are really “cities.” We included everything from the smallest town to the largest city.

– Rates in the 10 Largest Cities

Idaho car insurance rates in top ten cities

Meridian, one of the largest cities, is also the least expensive. Idaho Falls is the most expensive out of these ten largest cities.

Best Idaho Car Insurance Companies

So, which companies are the best? We’ll show give you some guidance and show you complaint records, customer satisfaction results, and more rates. That information can help you decide what’s best for you.

– Financial Ratings for the 10 Largest Insurers

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+

The largest insurance providers in the state all have strong financial ratings. Scores like the ones above indicate that these companies will remain solvent and will be able to pay claims.

– Companies with the Best Ratings

J.D. Power has graded the major insurance companies by region. This chart will give you a pretty good idea for how each company treats their customers.

Customer satisfaction JD Power Northwest Region

– Complaints

This information is of great value as it reflects the complaint information specific to Idaho in 2017.

Company Name# of Complaints 2017Index 2017Market Share 2017Premium 2017
Allstate Fire & Cas Ins Co006.00 %$56,956,217.00
American Family Ins Co001.14 %$10,823,269.00
American Family Mut Ins Co SI001.52 %$14,437,709.00
Auto Owners Ins Co001.41 %$13,354,478.00
Farm Bureau Mut Ins Co Of ID0010.42 %$98,872,537.00
Farmers Ins Co Of ID007.67 %$72,752,957.00
GEICO Advantage Ins Co003.32 %$31,470,568.00
GEICO Choice Ins Co14.062.46 %$23,355,526.00
Geico Gen Ins Co001.95 %$18,515,581.00
LM Gen Ins Co29.992.00 %$19,000,251.00
Progressive Direct Ins Co004.00 %$37,928,945.00
Progressive Northwestern Ins Co005.06 %$48,011,430.00
Safeco Ins Co Of IL11.327.58 %$71,952,626.00
Standard Fire Ins Co001.58 %$14,960,619.00
State Farm Fire & Cas Co16.021.66 %$15,759,148.00
State Farm Mut Auto Ins Co32.2413.38 %$126,962,470.00
United Serv Automobile Assn001.85 %$17,528,809.00
USAA Cas Ins Co001.71 %$16,247,990.00
USAA Gen Ind Co001.32 %$12,471,221.00
Viking Ins Co Of WI001.86 %$17,673,103.00

And even better than knowing complaints against a company for one year, is seeing a trend. If a company consistently has a high complaint index, they’re probably consistently making customers unhappy.

If a company has one year with a high index, and other years at zero, you can take that high year with a grain of salt.

CompanyComplaint Index 2015Complaint Index 2016Complaint Index 2017
Allstate Fire & Cas Ins Co0.570.770.00
American Family Mut Ins Co SI0.002.430.00
Auto Owners Ins Co0.000.000.00
Farm Bureau Mut Ins Co Of ID0.000.880.00
Farmers Ins Co Of ID0.000.590.00
GEICO Advantage Ins Co1.871.890.00
GEICO Choice Ins Co2.010.004.06
Geico Gen Ins Co0.000.000.00
LM Gen Ins Co0.002.619.99
Progressive Direct Ins Co1.100.000.00
Progressive Northwestern Ins Co1.350.000.00
Safeco Ins Co Of IL1.441.301.32
Standard Fire Ins Co0.000.000.00
State Farm Fire & Cas Co0.002.726.02
State Farm Mut Auto Ins Co0.810.002.24
United Serv Automobile Assn0.000.000.00
USAA Cas Ins Co2.313.010.00
Viking Ins Co Of WI3.592.390.00

Once again, these averages are taking into account all driving records, all credit ratings, and more high- and low-risk information. Your actual rates will likely differ greatly.

– Cheapest Car Insurance Companies

CompanyAverageCompared to State AveragePercentage over/under State Average
Allstate$4,088.76+$1,225.95+29.98%
American Family $3,728.79+$865.97+23.22%
Farmers$3,168.28+$305.47+9.64%
GEICO $2,770.68-$92.14-3.33%
Safeco$2,301.51-$561.30-24.39%
Depositors$2,735.44-$127.37-4.66%
State Farm$1,867.96-$994.85-53.26%
Travelers $3,226.29+$363.48+11.27%
USAA$1,877.61-$985.20-52.47%

Below you can see the insurance companies we studied with their average rates from lowest to highest.

Idaho average car insurance rates by company

– Rate by Commute

Company10-mile commute25-mile commute
Allstate$4,089$4,089
American Family$3,652$3,806
Farmers$3,168$3,168
GEICO$2,723.05$2,818
Liberty Mutual$2,301.51$2,301.51
Nationwide$2,735$2,735.44
State Farm$1,823.01$1,912.91
Travelers$3,226$3,226
USAA$1,855.16$1,900.06

Allstate, Farmers, Liberty Mutual, Nationwide, and Travelers did not increase customers’ rates for a 25-mile commute compared to a 10-mile commute.

Idaho car insurance rates by commute

– Rates by Coverage Level

CompanyLow CoverageMedium CoverageHIgh Coverage
Allstate$3,935.49$4,080.92$4,249.86
American Family$3,729.46$3,914.07$3,542.83
Farmers$3,012.76$3,132.36$3,359.73
GEICO$2,627.36$2,766.30$2,918.37
Liberty Mutual$2,177.07$2,297.91$2,429.56
Nationwide$2,696.85$2,874.15$2,635.33
State Farm$1,762.35$1,871.85$1,969.68
Travelers$3,172.59$3,273.82$3,232.47
USAA$1,822.69$1,874.40$1,935.74

Idaho car insurance rates coverage level comparison

Surprisingly, the high coverage level for American Family and Nationwide costs less than the low coverage level! And the high level costs in between low and medium from Travelers.

It’s interesting to note that none of the companies charge a huge amount more for a higher level of coverage. Again, I encourage you to consider carrying more coverage than the minimum.

– Rates by Credit Rating

CompanyPoor CreditFair CreditGood Credit
Allstate$5,398.15$3,666.01$3,202.11
American Family$4,816.08$3,436.47$2,933.82
Farmers$3,573.21$3,033.33$2,898.31
GEICO$3,368.23$2,689.62$2,254.17
Liberty Mutual$3,283.44$2,020.02$1,601.08
Nationwide$3,266.83$2,632.86$2,306.63
State Farm$2,624.03$1,658.82$1,321.02
Travelers$3,694.26$3,107.83$2,876.79
USAA$2,744.62$1,599.54$1,288.67

While your coverage level doesn’t impact your rates in a big way, your credit rating most certainly does! The insurance credit score is not exactly the same as what you think of as your credit score.

The insurance companies use your credit report and cherry pick the parts of it that they believe correlate most to your risk as a driver.

Many people argue that credit score should have nothing to do with car insurance rates, but the insurance industry stands by their decision to use credit because they say that based on statistics, those with lower credit are more likely to file a claim.

Idaho car insurance rates credit score comparison

How are Idaho resident’s credit scores compared to the national average? Better! The U.S. average credit score is 675 while Idaho’s average score is 681.

– Rates by Driving Record

CompanyClean recordWith one speeding violationWith one accidentWith one DUI
Allstate$3,374.66$4,001.71$4,240.80$4,737.87
American Family$2,939.25$3,328.97$4,158.40$4,488.53
Farmers$2,765.42$3,123.03$3,502.85$3,281.82
GEICO$1,703.22$2,870.72$2,715.10$3,793.66
Liberty Mutual$1,912.27$2,429.40$2,394.45$2,469.94
Nationwide$2,088.90$2,347.77$2,712.70$3,792.39
State Farm$1,703.63$1,867.96$2,032.29$1,867.96
Travelers$1,990.40$3,169.07$2,832.53$4,913.17
USAA$1,347.13$1,632.10$1,921.59$2,609.61

You probably think that universally, a DUI on your record is going to make your rates skyrocket while a speeding ticket won’t have much effect. While this is a generally true statement, it’s NOT universally true!

With State Farm, you’ll pay the same increased rate for a speeding ticket as you do for a DUI, and it’s not much of a surcharge, just around $164 annually.

What is universally true is that a clean record will get you the best rates, so drive carefully!

Idaho rates with a speeding violation on record compared to clean record

Idaho car insurance rate comparison clean record vs one accident

Idaho car insurance rate comparison clean record vs one dui

– Largest Car Insurance Companies in the State

Idaho car insurance market share

The ten largest car insurance companies account for about 83 percent of the market share!

It may come as a shock to you that Idaho has 833 insurers licensed to sell property and casualty insurance in the state. Ten of those are domestic and a whopping 822 are foreign insurers.

Since 10 companies make up 83 percent of the market share, that leaves the other 822 companies to compete for the remaining 17 percent.

– Largest Companies in Idaho Direct Premiums Written

Company NameDirect Premiums WrittenLoss RatioMarket Share
State Farm $142,722,00068.07% 15.04%
GEICO $100,544,00073.34% 10.60%
Farm Bureau $98,873,00077.55% 10.42%
Liberty Mutual $96,435,00064.47% 10.16%
Progressive $86,456,00062.10% 9.11%
Farmers $81,594,00048.26% 8.60%
Allstate$79,124,00048.29% 8.34%
USAA $53,222,00077.70% 5.61%
American Family $27,659,00062.77% 2.91%
Sentry $18,243,00050.57% 1.92%

Allstate’s loss ratio is significantly lower than the top five insurance companies. That makes sense when you consider that their rates are significantly higher than the other companies. Less of their money goes to pay claims while more of their money goes to investors.

Idaho Laws

Idaho has thousands of laws and you could spend the rest of your life weeding through them to find the ones most important to driving and insurance. Don’t get overwhelmed. We’ve studied the laws and found the most important ones for you to know.

From vehicle licensing to DUIs, we’ll remove confusion so you can drive with confidence!

– Car Insurance Laws

The first aspect of the law we’ll examine are laws relating to car insurance.

– How State Law Require Rates to be Filed

Car insurance companies must file rates with the state, but do not need to be authorized to implement rates. When filing, they must also submit a certification that each policy complies with Idaho law.

– High-Risk Auto Insurance

Most traffic violations add points to your license. After accumulating too many points in a certain period of time, you could have your licenses suspended or revoked.

NUMBER OF POINTSPENALTY
12 TO 17 (IN ANY 12 MONTHS)30-DAY SUSPENSION
18 TO 23 (IN ANY 24 MONTHS)90-DAY SUSPENSION
24 OR MORE (IN ANY 36 MONTHS)SIX-MONTH SUSPENSION

If you commit a major violation like the ones listed below, your license will be suspended by that alone.

  • Driving under the influence of alcohol or other drugs
  • Using a motor vehicle to commit a felony
  • Leaving the scene of an accident resulting in injury or death
  • Leaving the scene of an accident before police arrive
  • Reckless driving
  • Conviction or action in another jurisdiction for an offense that, if committed in Idaho, would be ground for suspension, revocation or disqualification
  • Driving while suspended, revoked, disqualified etc. (driving without privileges)
  • Failing to pay judgment damages in an accident
  • Administrative license suspension (for failing a breath, blood or urine test (without a warrant) for DUI
  • Fleeing from or eluding a police officer
  • Unlawful use of a driver’s license or identification card
  • Failure to carry motor vehicle insurance
  • Alcohol age violation (possession, use, or procurement)
  • Violation of license restrictions
  • School Districts may order the ITD DMV to suspend the driver’s license of a minor who fails to attend school or does not comply with school requirements
  • Any court or the Department of Health and Welfare may order ITD DMV to suspend the driver’s license of any person who fails to pay child support, fails to comply with visitation rights, or fails to comply with a subpoena for a paternity suit or child support proceeding

If you’ve had your license suspended or revoked, there are steps you must take to get it back.

According to Idaho.gov,

“After your suspension, revocation, disqualification etc. ends, you may get your license back by applying to ITD DMV in Boise and paying a reinstatement fee from $25 to $285 depending on the violation. For certain offenses, a receipt of court payment, proof of child support compliance, proof of school reenrollment and or proof of financial responsibility (insurance/SR 22 certificate) may also be required.”

An SR-22 requirement is simply a form that the insurance company files that proves you have the required amount of insurance. If you cancel your coverage, the insurance company must notify the state.

If your record puts you at such a high risk that insurers are unwilling to cover you, you can likely find coverage through the Idaho Automobile Insurance Plan which is an assigned risk pool.

All the automobile insurers in the state share the risk of those who purchase insurance from the assigned risk pool. This enables people who can’t find coverage to get the required amount of car insurance to drive in Idaho.

– Windshield Coverage

Some states mandate zero deductible windshield replacement. Not so in Idaho. Individual companies have the option to include that perk, but it’s not a law.

Aftermarket crash parts may be used with written notice. If you don’t think that’s a good idea, you can refuse that option and have new parts for repair, but you’ll have to pay the difference. That’s a hard pill to swallow for the consumer, and a definite advantage for the insurer.

– Automobile Insurance Fraud in Idaho

Insurance fraud is a crime and Idaho has a state fraud department to investigate and prosecute cases of insurance fraud.

To put it simply, insurance fraud occurs when a customer deceives the insurer.

It can also happen when a phony insurance company deceives customers into purchasing bogus policies.

To protect yourself, don’t pick an insurance company based on rates alone. Make sure you look up their financial rating and customer service reviews to ensure they’re legitimate. The saying is accurate: “If it seems too good to be true, it probably is.”

Consumer insurance fraud costs the insurance industry about 10 percent of its operating costs. Soft fraud, like lying about where your car is parked, or who lives in your household, seems like no big deal, but because so many people do it, the cost adds up big time.

Hard fraud like staging an accident and lying about injuries happens less frequently than cases of soft fraud, but each occurrence is very costly.

Felony fraud cases can be penalized with a maximum $15,000 fine and 15 years in prison.

Below you can see a summary what Idaho’s fraud department accomplished in 2017.

Issue2017 Numbers
Reports of suspected fraud received313
Opened cases140
Cases referred to attorney general for criminal charges16
Cases referred to attorney general for administrative action6
Criminal convictions10
Administrative actions6

– Idaho Statute of Limitations

If you’ve been in an accident it is far better to make a claim right away than to wait. You’ll have a harder time proving your case the more time has passed. There’s really no benefit to delaying.

At the very most the state puts the statute of limitations at two years for physical injury and five years for property damage.

– Boats

Boats with a permanently attached mode of self-propulsion made after 2000 must be titled. Any motorized boat used on Idaho waterways must be registered.

– Vehicle Licensing Laws

Whether you’re new to Idaho, or a lifelong resident, we’ll cover what you need to know to keep you registered and licensed.

– Penalties for Driving without Insurance

Idaho has a lower uninsured driver rate than most states. Even so, over eight percent of drivers don’t have insurance.

Don’t drive without insurance. It’s not smart, and there are penalties:

  • First Offense
    • $75 fine
    • License suspension until you can show proof of insurance
  • Second Offense (within five years of the first)
    • Maximum $1000 fine
    • Up to six months in jail
    • License suspension until you can show proof of insurance

Idaho law enforcement uses the Online Insurance Verification (OIV) System to check if a driver’s insurance is in compliance with the law.

Just because law enforcement can verify coverage online doesn’t mean that you aren’t responsible to carry proof of insurance. You’re still required to have electronic or paper proof in your vehicle or on your person.

– Teen Driver Laws

Idaho has a graduated driver licensing (GDL) system (GDL) for teen drivers, as does every state. Sixty-nine percent fewer teens died in motor vehicle crashes in 2017 than died in 1975.

The restrictions on teen driving that the different states have implemented have helped enable a safer driving experience for teens.

RestrictionsInstruction PermitIntermediate LicenseFull License
Minimum Age14 1/215 (must have held an instruction permit for six months)16
PassengerSupervising licensed adult over 21 years old must be in the passenger seat. No other occupants in the front seat permittedIf under 17, no more than one non-family passenger under 17 years oldnone
Pre-requisitesBring required documents to DMVCompleted 50 hours supervised driving 10 of which at nightCompleted driver training and required supervised hours of driving
TimeNoneDaylight hours only until 16 years oldnone

– Older Driver Renewal Procedures

The general population may choose to renew their license every four-eight years. Individuals over 63 years old must renew every four years.

Proof of adequate vision is required of everyone at renewal, regardless of age.

The general population may renew by mail at every other renewal but can only renew for four years using the mail option. Residents over 70 years old may only renew in person.

– New Residents

You must register your vehicles by the time you are considered a resident of Idaho. Residency begins when your primary home has been in Idaho for 90 continuous days.

Before registering your vehicle, you must have it insured with a company to provide insurance in Idaho.

Here’s what you’ll need when you go to the DMV to register your vehicle:

  • The vehicle being titled and registered. You will need to have the vehicle identification number (VIN) inspected. This inspection can generally be performed by a deputy of either the county assessor motor vehicle office or the county sheriff’s office.
  • Current title and registration. If the vehicle has not been titled in your name, be sure the title has been signed over to you by the seller, and that you have a bill of sale from the seller. If the title is being held by a lienholder, bring the lienholder’s name and address. If your title has been lost, you will need to apply for a duplicate title from the state of issuance.
  • Your personal identification.
  • Cash or a check for payment of any applicable taxes and fees.

You have 90 days from moving to Idaho to transfer your out-of-state driver license to Idaho.

College students and military are exempt from being required to get an Idaho license.

– Rules of the Road

These laws are important to know and follow for your own safety and so you don’t face the penalties of violating the law.

– Fault Vs. No-Fault

Idaho is a tort state, which means that the party at fault in an accident must pay for the damages to the other party or parties.

– Seat Belt and Car Seat Laws

Idaho law states that children 6 years old and younger must be in a child safety restraint. They recommend:

  • that children up to age 2 sit rear-facing
  • that children use a five-point harness forward facing seat until age 4
  • that children ages 4-8, or under four-feet, nine-inches tall, use a booster seat

Child safety seat laws are primary so you can be pulled over for a violation.

  • An unrestrained passenger motor vehicle occupant is killed every 5.5 days.
  • The cost of crashes involving unrestrained occupants was $589 million in 2014.

In 2014, the observed non-use of seat belts was 20 percent, but a shocking 66 percent of traffic fatalities were not belted. If that stat doesn’t scare you into wearing a seat belt, it’s likely nothing will.

Seat belt laws are secondary in Idaho, so you can’t be pulled over just for being unbuckled, but if you’re stopped by law enforcement for another reason, you can be issued a seat belt ticket.

Everyone in a vehicle must be buckled up. Adult seat belt violations will result in a $10 citation to the offender. The driver will receive the citation if the offender is under 18 years old.

Idaho has no laws restricting riding in the cargo area of a pickup truck.

– Keep Right and Move Over Laws

Like in most places, drivers in Idaho must keep right if moving more slowly than the average speed of traffic. The exceptions include when passing another vehicle and when turning left.

Move over laws are designed to protect emergency personnel. In Idaho, vehicles are required to slow below the posted speed limit and, if safe to do so, vacate the lane nearest the emergency vehicle with emergency lights flashing.

Emergency vehicles include law enforcement, emergency medical services, tow trucks, and other recovery vehicles.

– Speed Limits

RoadwayMaximum Posted Speed Limit CarsMaximum Posted Speed Limit Trucks
Rural interstates (mph)75; 80 on specified segments of road70
Urban interstates (mph)75; 80 on specified segments of road65
Other limited access roads (mph)7070
Other roads (mph)7070

– Ridesharing

The following companies offer rideshare coverage in Idaho:

  • State Farm
  • American Family
  • Farmers

The coverage American Family and Farmers provide for ridesharing will help fill in the gaps between what a normal policy covers and what the rideshare service (Uber, Lyft, etc) covers.

State Farm’s coverage does more than fill in the gaps. It extends to all ridesharing stages.

– Safety Laws

Traffic laws are in place to keep people safe. Two of the most dangerous ways to drive are under the influence of drugs or alcohol or while distracted.

– DUI Laws

Penalty TypeFirst OffenseSecond Offense (in 10 years)Third OffenseEnhanced (BAC over 2.0 Percent) First OffenseEnhanced (BAC over 2.0 Percent) Second Offense in Five Years
Classificationmisdemeanormisdemeanorfelonymisdemeanorfelony
Fineup to $1000up to $2000up to $5000up to $2,000up to $5,000
Imprisonmentup to six monthsmandatory 10 days and up to one year30 days to five yearsmandatory 10 days and up to one yearmandatory 30 days in county jail, or up to five years in the state penitentiary
Suspended License90-180 daysone year with no exceptionsone to five years with no driving privileges - no exceptions - for one yearone year mandatory after
release from confinement with no driving
privileges of any kind
up to five years, one year
mandatory after release from confinement
with no driving privileges of any kind
Ignition Interlock Device (IID) Requirementnonemandatorymandatorynonemandatory

Here are Idaho’s blood alcohol content (BAC) limits:

  • Individuals under 21 years old have a 0.02 percent BAC limit
  • Commercial drivers have a 0.04 percent BAC limit
  • Drivers 21 years old and older have 0.08 percent BAC limit

Refusing to take a BAC test will result in a one-year license suspension and a $250 civil penalty.

– Marijuana-Impaired Driving Laws

Idaho does not have a specific marijuana-impaired driving law. However, the DUI laws cover driving under the influence of alcohol or drugs. So if law enforcement witnesses and proves impairment, you will face the same penalties as with an alcohol DUI.

– Distracted Driving Laws

All drivers are banned from texting while driving. There is no state hand-held ban for drivers of any age.

Texting violations are hard to prove because other hand-held activities like checking email are permitted. So, in order for law enforcement to prove a texting offense, they have to get a warrant for the phone to show that a text was sent or received at the time suspected. Basically, it’s not worth it for law enforcement to enforce the law.

Several cities and counties have enacted handheld bans including but not limited to:

  • Idaho Falls
  • Pocatello
  • Blackfoot
  • Hailey
  • Ketchum
  • Sand Point
  • Blaine County

Idaho Can’t-Miss Facts

Driving can be dangerous, and we’re going to show you some of the sobering statistics of danger on the roads. Being aware of the danger can help you be more alert and drive more safely.

We’ll examine vehicle thefts, traffic fatalities, and then we’ll cover general driving information.

– Vehicle Theft

Idaho most stolen vehicles

Trucks are a popular target for thieves.

CityNumber of Vehicle Thefts (2013)
Aberdeen3
American Falls2
Bellevue1
Blackfoot20
Boise213
Bonners Ferry0
Buhl0
Caldwell46
Cascade1
Challis0
Chubbuck11
Coeur d'Alene117
Cottonwood0
Emmett0
Filer2
Fruitland7
Garden City15
Gooding2
Grangeville2
Hagerman1
Hailey1
Heyburn2
Homedale1
Idaho Falls109
Jerome18
Kamiah0
Kellogg9
Ketchum2
Kimberly0
Lewiston52
McCall1
Meridian25
Montpelier1
Moscow26
Mountain Home3
Nampa123
Orofino0
Osburn2
Parma2
Payette5
Pinehurst1
Pocatello83
Ponderay3
Post Falls53
Preston2
Priest River4
Rathdrum8
Rexburg7
Rigby3
Rupert3
Salmon4
Sandpoint5
Shelley0
Shoshone0
Soda Springs0
Spirit Lake1
St. Anthony0
St. Maries4
Sun Valley1
Twin Falls51
Wendell1
Wilder0

Idaho cities with the most stolen vehicle

Meridian, the second largest city in Idaho didn’t even make the top ten cities for vehicle theft. It also has the lowest cost of car insurance in the state. No wonder people are flocking to Meridian and making it their home.

– Dangers on the Road in Idaho

Now, we’ll look at how some of the specific dangers affect driving.

– Fatal Crashes by Weather Condition and Light Condition

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal (2017)
Normal1091453181195
Rain3361013
Snow/Sleet301004
Other5050010
Unknown001001
TOTAL1201766191223

– Fatalities by County

CountyTraffic Fatalities 2013Traffic Fatalities 2014Traffic Fatalities 2015Traffic Fatalities 2016Traffic Fatalities 2017Fatalities per 100K 2013Fatalities per 100K 2014Fatalities per 100K 2015Fatalities per 100K 2016Fatalities per 100K 2017
Ada County16152324303.853.525.315.46.57
Adams County3041577.660102.8525.32120.57
Bannock County810910139.5911.9710.7211.8515.25
Bear Lake County2102133.6516.89033.6616.59
Benewah County4321044.3133.2322.2511.080
Bingham County10101710822.0122.1237.7622.117.42
Blaine County3201314.119.3504.613.62
Boise County4493459.5159.01129.3142.3354.87
Bonner County68157714.8119.3836.0916.5316.07
Bonneville County510312114.669.242.7310.719.6
Boundary County2301218.4627.4208.5816.78
Butte County01112037.6438.9938.8776.86
Camas County001100093.3792.250
Canyon County231925282211.599.3912.113.2610.15
Caribou County5031173.49044.4214.4814.22
Cassia County35713612.8821.329.8455.4125.35
Clark County10130115.340114.42351.290
Clearwater County313513511.7535.3558.4511.7
Custer County1154223.6624.18123.0697.3547.94
Elmore County1021091238.117.6338.7734.544.74
Franklin County3625223.4446.4515.4237.4614.74
Fremont County3221223.3115.6215.637.7615.27
Gem County2021212.08011.995.8911.51
Gooding County10444666.1226.5826.3926.539.67
Idaho County914414855.486.0624.686.2748.87
Jefferson County3243411.27.4314.7610.7914.06
Jerome County757161030.9421.9130.6168.842.32
Kootenai County1161115197.644.097.369.7912.05
Latah County9613423.5615.582.597.7310.17
Lemhi County4521151.8564.7725.8612.9312.7
Lewis County02111052.4926.4626.0225.73
Lincoln County2243237.7237.6675.7156.9637.61
Madison County00322007.925.165.11
Minidoka County3244414.789.8719.6319.4319.3
Nez Perce County9545722.6212.5510.0112.4717.33
Oneida County2100247.0823.950045.18
Owyhee County4121435.178.8717.738.834.4
Payette County214448.884.417.5617.4517.23
Power County3332238.7439.0639.2226.1126.32
Shoshone County44310831.5432.3124.1380.5663.79
Teton County000100009.020
Twin Falls County712111898.7814.8413.421.5510.57
Valley County3700931.3371.470084.21
Washington County5102250.3910.03019.8719.76

– Fatality Rates by City

Boise had the highest traffic fatality rate in Idaho at 4.93 per 100,000. In 2016, 11 individuals died in traffic accidents.

– Fatality Rates Rural Vs. Urban

TypeNumber of Fatalities
Rural Traffic Fatalities135
Urban Traffic Fatalities 38

– Fatalities by Person Type

Person Type20132014201520162017
Passenger Car7759697467
Light Truck - Pickup4539386049
Light Truck - Utility3529424852
Light Truck - Van33887
Large Truck575413
Bus10000
Other/Unknown Occupants6812109
Total Occupants172145180206200
Light Truck - Other00623
Total Motorcyclists2525282225
Pedestrian141381716
Bicyclist and Other Cyclist32063
Total Nonoccupants171682519
Other/Unknown Nonoccupants01020
Total214186216253244

– Fatalities by Crash Type

Crash Type20132014201520162017
Total Fatalities (All Crashes)214186216253244
Single Vehicle136126132166137
Involving a Large Truck3423263446
Involving Speeding5048495448
Involving a Rollover10085104127109
Involving a Roadway Departure143133143161162
Involving an Intersection (or Intersection Related)3832474545

– Five-Year Trend for the Top 10 Counties

CountyFatalities 2013Fatalities 2014Fatalities 2015Fatalities 2016Fatalities 2017
Ada County1615232430
Canyon County2319252822
Kootenai County116111519
Bannock County81091013
Elmore County10210912
Bonneville County51031211
Jerome County7571610
Twin Falls County71211189
Valley County37009
Bingham County101017108

– Fatalities Involving Speeding by County

CountySpeeding Fatalities 2013Speeding Fatalities 2014Speeding Fatalities 2015Speeding Fatalities 2016Speeding Fatalities 2017
Ada County224311
Adams County10100
Bannock County24010
Bear Lake County10000
Benewah County31200
Bingham County33423
Blaine County00002
Boise County02301
Bonner County01124
Bonneville County06223
Boundary County00000
Butte County01010
Camas County00000
Canyon County33420
Caribou County00100
Cassia County22151
Clark County10000
Clearwater County10120
Custer County10210
Elmore County20233
Franklin County00001
Fremont County10200
Gem County10000
Gooding County41211
Idaho County52141
Jefferson County00020
Jerome County03170
Kootenai County40365
Latah County32021
Lemhi County22000
Lewis County00100
Lincoln County02200
Madison County00011
Minidoka County01011
Nez Perce County20123
Oneida County00000
Owyhee County10101
Payette County00100
Power County11000
Shoshone County03222
Teton County00000
Twin Falls County22420
Valley County04003
Washington County20000

– Fatalities Involving an Alcohol-Impaired Driver (BAC = 0.08 percent) by County

County Name Fatality Totals 2013Fatality Totals 2014Fatality Totals 2015Fatality Totals 2016Fatality Totals 2017Fatality Totals Per 100K 2013Fatality Totals Per 100K 2014Fatality Totals Per 100K 2015Fatality Totals Per 100K 2016Fatality Totals Per 100K 2017
Ada County638691.440.701.851.351.97
Adams County001000.000.0025.710.000.00
Bannock County222332.402.392.383.563.52
Bear Lake County010110.0016.890.0016.8316.59
Benewah County1100011.0811.080.000.000.00
Bingham County246324.408.8513.336.634.35
Blaine County000100.000.000.004.600.00
Boise County3150244.6314.7571.840.0027.43
Bonner County025100.004.8412.032.360.00
Bonneville County211201.860.920.911.790.00

– Teen Drinking and Driving

Underage Drunk DrivingStats
Under 21 Alcohol-Impaired Driving Fatalities Per 100K of the Population1.4
Higher/Lower Than National Average (1.2)Higher
DUI Arrests (Under 18 Years Old)61
DUI Arrests Rate (Under 18 Years Old) Total Per Million People139.53

EMS Response Time

LocationTime of Crash to EMS NotificationEMS Notification to EMS Arrival
Rural Fatal Crashes4.7313.33
Urban Fatal Crashes2.236.07

– Transportation

The average commute time in Idaho is over five minutes shorter than the overall U.S. average!

In the charts below, Idaho is represented by orange and the U.S. average by gray.
Idaho Car Ownership compared to national average

Idaho commute time compared to national averageIdaho commuter transportation compared to national average– Traffic Congestion

Idaho’s largest city is Boise with just over 200,000 residents. Traffic congestion is, thankfully, significantly less than what you’d find in a big city. Still, Boise residents face congestion on the roads.

With average congestion of 20 percent, the morning peak is 22 percent and the evening peak is 34 percent.

On the bright side, the congestion level is down a whole one percent!

Finding the car insurance coverage you need at the best price is something you can do confidently!

Enter your zip code into the comparison tool below to get started on the road to better and cheaper coverage.

References:

  1. http://www.foodreference.com/html/f-idaho-potatoes.html
  2. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
  3. https://legislature.idaho.gov/statutesrules/idstat/title49/t49ch12/sect49-1229/
  4. https://www.naic.org/prod_serv/AUT-PB-14.pdf
  5. https://www.metromile.com/insurance-wait-list/
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  13. https://www.legis.iowa.gov/docs/ico/chapter/614.pdf
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  22. https://therideshareguy.com/?s=idaho
  23. https://www.isp.idaho.gov/isp/citizen/inc/documents/DUI-English.pdf
  24. https://magicvalley.com/news/local/govt-and-politics/blaine-county-cellphone-bans-face-challenges-in-statehouse-and-courthouse/article_e44af7f9-1903-5bc8-b878-ecc6ec57e51c.html
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  27. https://www.idahopress.com/meridian/news/planning_and_construction/meridian-s-housing-growth-surpasses-last-year/article_d3e6a40d-b156-52d1-acf7-995520962968.html
  28. https://www-fars.nhtsa.dot.gov/Crashes/CrashesTime.aspx
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