Idaho Falls drivers pay an average of $1,368/year — $403 less than the national average. With 879 crashes per year and a 2.2 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $360/year.
(888) 217-6781Estimated full coverage auto insurance rates for Idaho Falls, ID from top carriers. Rates are adjusted for Idaho Falls's 879 annual crashes, 2.2 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| Idaho Farm Bureau ⭐ | $500 | $83/mo |
| GEICO | $517 | $86/mo |
| Progressive | $583 | $97/mo |
| State Farm | $642 | $107/mo |
| Farmers | $732 | $122/mo |
Estimates based on 2026 rate filings for ZIP 83404. Idaho Farm Bureau is cheapest at ~$83/mo. Actual rates vary by driver profile and exact Idaho Falls location.
These Idaho Falls-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Idaho Falls, ID. Takes under 2 minutes.
(888) 217-6781With 64,818 residents, Idaho Falls is a growing community in Idaho where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like snow, ice, wildlife crossings, wildfire smoke, mountain roads and commuter corridors still influence premiums. Idaho Falls drivers often find rates slightly below the Idaho state average.
For official Idaho insurance regulations, visit the Idaho Department of Insurance. For driver licensing, see the Idaho Transportation Department.
Your specific ZIP code within Idaho Falls can swing your premium by hundreds of dollars. Here's how rates compare across Idaho Falls neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 83410 | Idaho Falls South Side | $1,260/yr | $105/mo |
| 83416 | Idaho Falls West Side | $1,331/yr | $111/mo |
| 83409 | Idaho Falls North Side | $1,335/yr | $111/mo |
| 83406 | Idaho Falls East Side | $1,378/yr | $115/mo |
| 83404 | Idaho Falls Downtown/Central | $1,498/yr | $125/mo |
The cheapest ZIP is 83410 (Idaho Falls South Side) at $1,260/yr. The most expensive is 83404 (Idaho Falls Downtown/Central) at $1,498/yr — a $238/year difference for the same driver.
Your Idaho Falls ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Idaho Falls. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $2,873/yr | $239/mo | +110% vs avg |
| Young Adult (20-25) | $1,915/yr | $160/mo | +40% vs avg |
| Adult (26-35) | $1,368/yr | $114/mo | 0% vs avg |
| Mid-Career (36-50) | $1,204/yr | $100/mo | -12% vs avg |
| Senior (51-65) | $1,135/yr | $95/mo | -17% vs avg |
| 65+ | $1,218/yr | $102/mo | -11% vs avg |
Teens in Idaho Falls pay an average of $2,873/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,135/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Idaho cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Idaho Falls drivers can save up to $360/year. ZIP 83410 (Idaho Falls South Side) has the lowest rates starting at $1,260/yr.
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