Idaho vs Indiana Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Idaho is $430/yr cheaper on average.

Fewer Uninsured

Idaho has a lower uninsured rate (7.4% vs 14.0%).

Rate & Coverage Comparison

Attribute	Idaho	Indiana
Avg Annual Premium	$1,100	$1,530
Min Liability	$360	$500
Full Coverage	$1,100	$1,530
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	7.4%	14.0%
Registered Vehicles	1,558,000	5,564,520
Accidents/Year	23,370	83,467
Population	1,900,000	6,786,000

Minimum Coverage Requirements

Idaho

25/50 / 15 liability

Indiana

25/50 / 25 liability

Premium Comparison

Idaho$360 – $1,100

Liability: $360Avg: $1,100Full: $1,100

Indiana$500 – $1,530

Liability: $500Avg: $1,530Full: $1,530

IdahoFull rates, age breakdown, requirements →IndianaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Idaho or Indiana?

Idaho has cheaper car insurance, with an average annual premium of $1,100 compared to $1,530 in Indiana - a difference of $430 per year.

How do Idaho and Indiana compare on fault systems?

Idaho uses a at-fault (tort) system while Indiana uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Idaho vs Indiana?

Idaho requires 25/50 / 15 liability. Indiana requires 25/50 / 25 liability. Minimum liability costs $360/yr in Idaho and $500/yr in Indiana.

Which state has more uninsured drivers, Idaho or Indiana?

Indiana has a higher uninsured driver rate at 14.0%, compared to 7.4% in Idaho. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Idaho vs Indiana insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Idaho

Indiana

Avg Annual Premium

$1,100

$1,530

Min Liability

$360

$500

Full Coverage

$1,100

$1,530

Fault System

At-Fault (Tort)

Uninsured Rate

7.4%

14.0%

Registered Vehicles

1,558,000

5,564,520

Accidents/Year

23,370

83,467

Population

1,900,000

6,786,000