Idaho vs Washington Car Insurance

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

Quick Verdict

More Affordable

Idaho is $520/yr cheaper on average.

Fewer Uninsured

Idaho has a lower uninsured rate (7.4% vs 15.6%).

Rate & Coverage Comparison

Attribute	Idaho	Washington
Avg Annual Premium	$1,100	$1,620
Min Liability	$360	$530
Full Coverage	$1,100	$1,620
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	7.4%	15.6%
Registered Vehicles	1,558,000	6,244,300
Accidents/Year	23,370	93,664
Population	1,900,000	7,615,000

Minimum Coverage Requirements

Idaho

25/50 / 15 liability

Washington

25/50 / 10 liability

Premium Comparison

Idaho$360 – $1,100

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

Washington$530 – $1,620

Liability: $530Avg: $1,620Full: $1,620

IdahoFull rates, age breakdown, requirements →WashingtonFull 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 Washington?

Idaho has cheaper car insurance, with an average annual premium of $1,100 compared to $1,620 in Washington - a difference of $520 per year.

How do Idaho and Washington compare on fault systems?

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

What are the minimum insurance requirements in Idaho vs Washington?

Idaho requires 25/50 / 15 liability. Washington requires 25/50 / 10 liability. Minimum liability costs $360/yr in Idaho and $530/yr in Washington.

Which state has more uninsured drivers, Idaho or Washington?

Washington has a higher uninsured driver rate at 15.6%, compared to 7.4% in Idaho. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Idaho vs Washington 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

Washington

Avg Annual Premium

$1,100

$1,620

Min Liability

$360

$530

Full Coverage

$1,100

$1,620

Fault System

At-Fault (Tort)

Uninsured Rate

7.4%

15.6%

Registered Vehicles

1,558,000

6,244,300

Accidents/Year

23,370

93,664

Population

1,900,000

7,615,000