Cheap Car Insurance Idaho

Q: Is auto insurance cheaper in Idaho?

Idaho drivers typically pay $1,069 per year on average for full coverage car insurance, which is about 38% less expensive than the national average of $1730 . You may be able to find cheaper auto insurance policies depending on your driving record and credit history.

The Cheapest Car Insurance in Idaho Costs $15/Mo ($181/Yr) for Liability Insurance from Auto-Owners and $54/Mo ($648/Yr) for Full Coverage from USAA.

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Updated: Jun 28, 2024

Written by: Daniel Robinson

Written by: Daniel Robinson Writer

Daniel Robinson is a writer based in Greenville, N.C. with expertise in auto insurance, loans, warranty options and more. Away from the keyboard, Daniel spends time with his wife and son, plays guitar and obsesses over the Beatles and Baltimore Orioles.

Writer

Edited by: Rashawn Mitchner

Edited by: Rashawn Mitchner Managing Editor

RaShawn Mitchner is a MarketWatch Guides team senior editor covering personal finance topics and insurance. She’s spent over a decade writing and editing articles about how to save money on things including travel, entertainment and household services.

Senior Editor

When it comes to car insurance, Idaho has some of the cheapest average rates in the nation. We at the Guides Auto Team have identified the most affordable options for car insurance in the Gem State, along with finding the best car insurance companies for drivers. Learn more about average costs for different types of drivers and minimum coverage requirements in Idaho below.

Cheap Auto Insurance Idaho

Car insurance rates are far below the national average in Idaho. This means that you stand a strong chance of finding great car insurance in Idaho at excellent rates. Below, we’ll look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers and coverage options.

Cheap Auto Insurance Companies in Idaho

The cheapest auto insurance companies in Idaho are Geico, USAA, State Farm and Progressive. Below are the overall and cost ratings for these providers.

Cheapest Car Insurance Companies in Hawaii	Overall Rating	Cost Rating	Learn More
Geico Learn More	9.2	9.4	Learn More
USAA Learn More	9.5	10.0	Learn More
State Farm Learn More	9.2	9.0	Learn More
Progressive Learn More	9.2	9.3	Learn More

Cheapest Car Insurance Companies in Hawaii	Overall Rating	Cost Rating	Learn More
Geico Learn More	9.2	9.4	Learn More
USAA Learn More	9.5	10.0	Learn More
State Farm Learn More	9.2	9.0	Learn More
Progressive Learn More	9.2	9.3	Learn More

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Idaho.

Cheapest Car Insurance Coverage in Idaho

The coverage level you select for your vehicle will impact your car insurance rates. Most providers include estimates for minimum liability and full coverage when you shop for car insurance. While minimum liability is all that is required, it’s a good idea for drivers to consider full coverage auto insurance.

Below are the cheapest auto insurance options in Idaho for both coverage types.

Cheap Liability Car Insurance Idaho

At $15 per month or $181 per year, Auto-Owners provides the cheapest liability car insurance in Idaho for motorists. USAA and State Farm can also be affordable choices for drivers.

Cheapest Liability Insurance in Idaho	Estimated Monthly Cost	Estimated Annual Cost
Auto-Owners	$15	$181
USAA	$16	$188
State Farm	$17	$205
Geico	$17	$208
Farm Bureau	$27	$327

Cheap Full Coverage Car Insurance Idaho

USAA tends to have the cheapest full coverage car insurance in Idaho, costing an average of $54 per month or $648 per year. State Farm and Auto-Owners may also be strong options for drivers.

Cheapest Full Coverage Car Insurance in Idaho	Estimated Monthly Cost	Estimated Annual Cost
USAA	$54	$648
State Farm	$57	$679
Auto-Owners	$64	$762
Geico	$64	$764
Travelers	$85	$1,020
American Family	$87	$1,040
Sentry	$107	$1,284

Cheapest Car Insurance in Idaho

Age, driving history and a person’s credit scores can have a huge impact on the cost of car insurance in Idaho. Below, we compare car insurance estimates for Idaho drivers in these categories.

Cheapest Car Insurance in Idaho for Young Drivers

Young Idaho drivers can pay significantly more for auto insurance than older adults. The series of tables below show the cheapest car insurance for young drivers in Idaho, along with estimated monthly and annual costs.

Cheapest Idaho Car Insurance for 16-Year-Olds

Farm Bureau, State Farm and Auto-Owners are among the cheapest car insurance providers for Idaho 16-year-olds who have their own policies.

Cheapest Car Insurance in Idaho	Estimated Monthly Cost	Estimated Annual Cost
Farm Bureau	$164	$1,972
State Farm	$170	$2,034
Auto-Owners	$191	$2,287
Geico	$193	$2,321
American Family	$324	$3,889

Cheapest Idaho Car Insurance for 18-Year-Olds

State Farm checks in as the cheapest car insurance company for 18-year-old drivers in Idaho.

Cheapest Car Insurance in Idaho	Estimated Monthly Cost	Estimated Annual Cost
State Farm	$135	$1,618
Auto-Owners	$141	$1,692
Farm Bureau	$159	$1,908
Geico	$168	$2,017
Travelers	$225	$2,703

Cheapest Idaho Car Insurance for 21-Year-Olds

State Farm also offers the cheapest car insurance for 21-year-old drivers in Idaho.

Cheapest Car Insurance in Idaho	Estimated Monthly Cost	Estimated Annual Cost
State Farm	$93	$1,117
Geico	$94	$1,128
USAA	$101	$1,210
Auto-Owners	$103	$1,234
Travelers	$136	$1,631

Cheapest Idaho Car Insurance for 25-Year-Olds

The cheapest car insurance for 25-year-old drivers in Idaho also comes from State Farm.

Cheapest Car Insurance in Idaho	Estimated Monthly Cost	Estimated Annual Cost
State Farm	$65	$782
USAA	$68	$812
Geico	$72	$859
Auto-Owners	$77	$929
Travelers	$91	$1,088

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Cheapest Idaho Car Insurance for High-risk Drivers

High-risk drivers who have had a speeding ticket, DUI or recent accident can pay more overall for auto insurance. The sections below provide estimates for the cheapest car insurance rates for drivers who may fall into these categories.

Cheapest Idaho Car Insurance for Drivers With a Speeding Ticket

Having a speeding ticket on your record can cause you to pay more for Idaho auto insurance. On average, drivers with a ticket on their record pay an insurance premium of $1,290 per year.

Cheapest Car Insurance in Idaho	Estimated Monthly Cost	Estimated Annual Cost
USAA	$70	$830
State Farm	$73	$872
Geico	$76	$910
Progressive	$92	$1,106
American Family Insurance	$93	$1,118

Cheapest Idaho Car Insurance for Drivers With a Recent Accident

Drivers involved in a recent at-fault accident in Idaho pay an average of around $1,549 per year for car insurance coverage. Keeping a clean driving record can help you reduce your rate over time.

Cheapest Car Insurance in Idaho	Estimated Monthly Cost	Estimated Annual Cost
USAA	$79	$945
State Farm	$79	$947
American Family Insurance	$93	$1,119
Geico	$114	$1,371
Travelers	$120	$1,436

Cheapest Idaho Car Insurance for Drivers With a DUI

Idaho drivers with a DUI on their record can expect to see their insurance rates soar. The average cost of car insurance for high-risk drivers with a DUI is $1,712 per year.

Cheapest Car Insurance in Idaho	Estimated Monthly Cost	Estimated Annual Cost
State Farm	$73	$872
American Family Insurance	$93	$1,119
Progressive	$95	$1,141
Sentry Insurance	$111	$1,329
USAA	$114	$1,372

Cheapest Idaho Car Insurance for Drivers With Poor Credit

Having bad credit can cost you when it comes to your insurance premium in the Gem State. Idaho drivers with poor credit pay $2,058 per year on average.

Cheapest Car Insurance in Idaho	Estimated Monthly Cost	Estimated Annual Cost
Geico	$84	$1,009
USAA	$121	$1,450
Travelers	$136	$1,638
Sentry Insurance	$140	$1,675
American Family Insurance	$162	$1,946

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Best Cheap Car Insurance in Idaho

For those who would like to know about the cheapest auto insurance in the Gem State, the sections below contain more detailed information:

#1 Geico: Affordable for Most Drivers

9.1/10

Overview

Our review team names Geico the best choice for car insurance nationwide in 2022, and it’s one of the cheapest options for auto insurance in the Gem State. The company has a wide range of coverage options, including mechanical breakdown insurance, rental car reimbursement and 24/7 roadside assistance.

Geico also holds excellent financial strength and customer service ratings and provides many discount opportunities for drivers.

Keep reading: Geico insurance review

Industry Standing

J.D. Power regional rating: 821/1,000
AM Best financial strength rating: A++
Better Business Bureau (BBB) rating: A+

#2 USAA: Low Rates for Military

9.2/10

Overview

USAA tends to have the cheapest car insurance rates in Idaho. However, it didn’t top our list of Idaho’s best car insurance companies because its coverage is limited to military members, veterans and their families.

Those who qualify for USAA insurance coverage can expect low rates, comprehensive coverage options and excellent customer service. USAA also received the highest score for the Northwest region in the J.D. Power 2021 U.S. Auto Insurance Study℠.

Keep reading: USAA insurance review

Industry Standing

J.D. Power regional rating: 884/1,000
AM Best financial strength rating: A++
BBB rating: A+

#3 State Farm: Editor’s Choice

9.4/10

Overview

State Farm is another good choice for car insurance in Idaho, especially for young drivers. The company offers two usage-based programs for safe drivers, which can help lower car insurance premiums. The insurer has high financial strength and customer service ratings, showing it can reliably pay claims out to customers.

Keep reading: State Farm insurance review

Industry Standing

J.D. Power regional rating: 844/1,000
AM Best financial strength rating: A++
BBB rating: A+

#4 Progressive: Low Rates for High-Risk Drivers

9/10

Overview

High-risk drivers in Idaho can have a hard time finding affordable coverage, but Progressive stands out for offering cheaper rates for those with speeding tickets or DUIs than many other insurers. Drivers can purchase several additional coverage options from the company, including gap insurance, rideshare coverage and a deductible savings bank.

Progressive was given a lower BBB rating than other insurers on this list since it failed to respond to customer complaints. Our team reached out to Progressive for a comment on its BBB rating but did not receive a response.

Keep reading: Progressive insurance review

Industry Standing

J.D. Power regional rating: 817/1,000
AM Best financial strength rating: A+
BBB rating: B

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Average Cost of Car Insurance in Idaho

We found that Idaho drivers pay an average of $1,069 per year for full coverage car insurance, which is far below the national average of $1,730. The average price of minimum coverage in Idaho is $328, also well below the national average of $635. Idaho is the fourth-least expensive state for car insurance coverage, according to the National Association of Insurance Commissioners (NAIC).

Idaho Car Insurance Cost by Age

Younger drivers pay more for car insurance than drivers with years of experience behind the wheel. Here are some average car insurance rates for drivers from different age groups with clean driving records.

Age	Monthly Cost Estimate	Annual Cost Estimate
16	$404	$4,845
17	$317	$3,808
18	$283	$3,397
19	$198	$2,379
21	$144	$1,733
25	$104	$1,246
30	$93	$1,119
40	$90	$1,076
50	$83	$1,000
55	$80	$963
65	$83	$995
75	$98	$1,172

Idaho Car Insurance Cost by City

Cheap car insurance rates can generally be found across Idaho. You may find slightly lower annual rates if you live in urban areas near Boise rather than small rural cities like Rexburg.

City in Idaho	Estimated Monthly Cost	Estimated Annual Cost
Meridian	$93	$1,111
Boise City	$96	$1,156
Caldwell	$102	$1,229
Nampa	$103	$1,233
Post Falls	$103	$1,237
Twin Falls	$104	$1,253
Pocatello	$108	$1,297
Rexburg	$109	$1,304
Coeur d’Alene	$109	$1,307
Lewiston	$111	$1,331

*Average estimates apply to the three most popular companies per city.

Factors that Affect Idaho Car Insurance Rates

Your car insurance rates in Idaho will depend on your driving history, the vehicle you drive and more. Factors that often influence car insurance costs include:

Location
Vehicle age, make and model
Age, gender and marital status
Driving history
Credit score
Chosen deductible amount

Idaho Car Insurance Requirements

Idaho drivers are required to carry liability car insurance. This coverage helps pay for injuries to other drivers and their passengers in accidents where you are at fault. According to the Idaho Department of Insurance, drivers need to purchase the following state minimum requirements:

Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $15,000 per accident

When shopping for car insurance in Idaho, you may see these limits written as 25/50/15. Neither you nor your vehicle are protected with liability insurance. Consider purchasing a full coverage policy that includes liability coverage, collision coverage and comprehensive coverage for greater protection.

Is It Illegal To Not Have Car Insurance in Idaho?

Yes, Idaho law requires all drivers to carry liability insurance in the state. If a driver is found without insurance coverage, they will be fined $75 for a first offense and receive a fine of up to $1,000 and six months in prison for a second offense within five years.

How To Get Car Insurance in Idaho

When shopping for car insurance in Idaho, remember that your rates will depend on your situation and how each company weighs certain factors. The best way to find the lowest rates is by reaching out to insurance providers to compare car insurance quotes.

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Cheap Auto Insurance in Idaho: The Bottom Line

We recommend that Idaho drivers reach out to Geico, USAA and State Farm for car insurance quotes. These three providers typically offer the most competitive rates in the state, along with several coverage options and discounts.

Cheapest Car Insurance in Idaho: FAQ

Idaho drivers typically pay $1,069 per year on average for full coverage car insurance, which is about 38% less expensive than the national average of $1730. You may be able to find cheaper auto insurance policies depending on your driving record and credit history.

All Idaho drivers must carry the minimum coverage limits of $25,000 per person and $50,000 per accident in bodily injury liability coverage and $15,000 per accident in property damage liability coverage. Consider purchasing comprehensive, collision and underinsured/uninsured motorist coverage for extra protection.

Drivers in or near Boise tend to have some of the lowest average rates in the state, costing around $96 per month. Your insurance rate will stay low if you have a clean driving record and good credit.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials: