Who Has The Cheapest Motorcycle Insurance Quotes In Idaho?

Idaho is a state in the northwest U.S. and one of the least densely populated in the country. A little more than 1.6 million people reside in Idaho, which is known for its mountainous terrain. It earned the nickname “Gem State” because of the long list of precious stones that have been found there, and ‘Potato State” for its most popular crop. Idaho’s scenery and open roads make it nice place to have a motorcycle. This study’s sample rider was a 45-year-old with a policy that included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. To get the average cost of motorcycle insurance in the state, we gathered quotes from four large carriers and found that quotes in the most expensive place were 13.6% higher than the Idaho average.

Cheapest Motorcycle Insurance In Idaho

Taking into consideration all of the data from the four insurers we gathered quotes from, the average motorcycle insurance premium in Idaho was $509 for the sample rider and policy. But not all companies had rates near the average. GEICO had by far the cheapest quotes, with an average of $160. The average motorcycle insurance quotes in Idaho for Nationwide and Dairyland were $420 and $579, respectively, for our example 45 year old. Progressive had the most expensive motorcycle insurance quotes, with an average of $877 per year. 

Out of the four companies ValuePenguin gathered quotes from, GEICO had the cheapest motorcycle insurance rates in Idaho.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Best Motorcycle Insurance Rates In Idaho: By City

Unlike other states in the U.S., where we performed an identical study, the three largest cities in Idaho had some of the most affordable motorcycle insurance rates in the state. Typically, larger cities have higher rates than other places. Boise, Meridian and Nampa all had motorcycle insurance rates that were 4.2% lower than the state average. Idaho Falls and Pocatello followed a more usual pattern and both had motorcycle insurance rates that were 3.5% higher than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Boise $488 -4.2%
2 Meridian 488 -4.2%
3 Nampa 488 -4.2%
4 Idaho Falls 527 3.5%
5 Pocatello 527 3.5%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Boise, ID

The capital of Idaho and the state’s most populous city is Boise. It has more than 205,000 residents and is part of a metropolitan area with more than 664,000 residents. A number of large businesses are headquartered in Boise and a long list of technology companies have a presence there. It also is a regional hub for music and the arts. Bike riders in Boise will be happy to learn that the large city has some of the cheapest motorcycle insurance premiums in the state. Quotes for our sample rider and policy were 4.2% lower than the state average.

Meridian, ID

Just west of Boise is Meridian, a city with more than 75,000 and the fastest-growing in Idaho. The Idaho State Police is headquartered in Meridian and the city has its own orchestra and a number of popular parks. Motorcycle insurance rates in Meridian were also 4.2% lower than the state average.

Nampa, ID

The city of Nampa is only 13 miles west of Meridian and right next to Lake Lowell. It has an estimated population of more than 89,000 residents and is part of the Nampa-Boise metropolitan area. There are more than 23 parks in Nampa, making it a great place for those who enjoy the outdoors. It’s also a good place to own a motorcycle – quotes for our sample policy were 4.2% lower than the state average.

Idaho Falls, ID

Idaho Falls is the largest city in eastern Idaho, with more than 58,000 residents. It’s part of a metropolitan area with more than 136,000 people, and is an economic hub for eastern Idaho and western Wyoming. Motorcycle insurance quotes in Idaho Falls were 3.5% higher than the state average.

Pocatello, ID

More than 54,000 people call Pocatello home. It is one of the larger cities in southeast Idaho and has a thriving historic downtown. Forbes named it one of the Best Small Places for Business and Careers in 2007. Motorcycle insurance quotes in Pocatello were also 3.5% higher than the state average.

Average Motorcycle Insurance Rates in Idaho: By City

This study included sample quotes for a rider from four major insurance carriers that offer motorcycle insurance in Idaho, some of which are considered among the best motorcycle insurance companies. The places with the most expensive premiums were 13.6% higher than the cheapest, according to our analysis.

After gathering motorcycle insurance quotes from 38 places in Idaho, ValuePenguin found rates in the most expensive place was 13.6% higher than the cheapest.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 38 municipalities and census-designated places in the state of Idaho. The quotes we gathered were from four major carriers: Progressive, Nationwide, GEICO and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs State Average
23 Blackfoot $527 3.5%
4 Boise 488 -4.2%
12 Bonners Ferry 489 -4.0%
24 Burley 527 3.5%
22 Challis 521 2.3%
33 Coeur D Alene 531 4.3%
31 Cottonwood 528 3.8%
1 Council 484 -4.9%
38 Driggs 550 8.1%
5 Eagle 488 -4.2%
6 Emmett 488 -4.2%
17 Grangeville 520 2.2%
7 Homedale 488 -4.2%
Idaho Average 509 0.0%
25 Idaho Falls 527 3.5%
18 Kamiah 520 2.2%
2 Ketchum 484 -4.9%
8 Kuna 488 -4.2%
34 Lewiston 531 4.3%
19 Malad City 520 2.2%
3 Mccall 484 -4.9%
9 Meridian 488 -4.2%
20 Montpelier 520 2.2%
35 Moscow 531 4.3%
10 Mountain Home 488 -4.2%
11 Nampa 488 -4.2%
32 Orofino 528 3.8%
15 Payette 491 -3.6%
26 Pocatello 527 3.5%
21 Preston 520 2.2%
36 Priest River 531 4.3%
27 Rexburg 527 3.5%
28 Rigby 527 3.5%
16 Sandpoint 494 -2.9%
29 Shelley 527 3.5%
30 Shoshone 527 3.5%
37 St Maries 531 4.3%
13 Twin Falls 490 -3.6%
14 Weiser 490 -3.6%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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