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Idaho Cheapest Car Insurance & Best Coverage Options

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Updated March 11th, 2021

Checked by
Jaime Arias
Licensed Agent
Reviewed by
Maurice Draine
Former P&C Agent
Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.

AutoInsureSavings.org licensed insurance agents did a comparison study of the cheapest car insurance companies in Idaho and found American National ($283 per year) provides the cheapest rate for Idaho minimum coverage.

Auto-Owners Insurance ($940 per year) provides the most affordable auto insurance coverage options for Idaho drivers with full coverage policies.

Affordable Idaho Car Insurance Rates

Idahoans can find the best coverage and save more on car insurance premiums by comparing quotes from multiple insurance providers with our comparison study’s best rates.

Cheapest Car Insurance in Idaho - Quick Hits
AutoInsureSavings.orgThe cheapest Idaho car insurance options are:

Cheapest for minimum coverage: American National
Cheapest for full coverage: Auto-Owners
Cheapest after an at-fault accident: American Family
Cheapest after a speeding ticket: American National
Cheapest after a DUI: Progressive
Cheapest for poor credit history: Auto-Owners
Cheapest for young drivers: GEICO
For young drivers with a speeding violation: GEICO
For young drivers with an at-fault accident: American Family

This Idaho car insurance guide is the best way to find affordable coverage and save money regardless of your age or driving type.

Cheapest insurance options in Idaho with USAA, State Farm, American National, and Auto-Owners compared to average rates.

Cheapest Car Insurance in Idaho for Minimum Coverage

During our auto insurers analysis in Idaho, American National provided us a $283 per year or $23 per month rate for the cheapest minimum liability insurance for Idaho drivers with clean driving records. American National’s quote is 45% cheaper than the Idaho average of $512 per year.

CompanyAverage annual rate
USAA$247
American National$283
Auto-Owners$325
Farmers$368
State Farm$424
GEICO$487
Allstate$510
Travelers$567
American Family$599
Average in Idaho$512

*USAA is for qualified military members, their spouses, and direct family members. Your insurance rates may vary based on driver profiles.

Military personnel or immediate family members of armed forces members can get cheaper car insurance rates with USAA. Insurance rates with USAA are $36 less expensive than American National and 52% less per year than the average cost of minimum coverage in Idaho.

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Minimum liability coverage can ensure you stay legal and have the cheapest possible premium. Still, it may not provide you with all the coverage you need if you are involved in an accident.

In the event of an at-fault car accident, state minimum policies will not cover property damage to your car. To avoid expensive repairs, our licensed agents recommend full coverage policies when shopping for Idaho auto insurance.

Cheapest Full Coverage Car Insurance in Idaho

Auto-Owners offers the cheapest car insurance rates for full coverage in Idaho drivers with clean driving records. Auto-Owners offered our sample driver a $940 annual rate or 28% less per year than Idaho’s average at $1,294 per year. 

InsurerCost per year
Cost per month
Auto-Owners$940$78
American National$1,032$86
USAA$1,085$90
Farmers$1,347$112
State Farm$1,468$122
GEICO$1,536$128
Average in Idaho$1,294$107

*USAA is for qualified military members, their spouses, and direct family members. Your insurance rates may vary based on driver profiles.

Full coverage policies offer a better coverage level of protection, which covers property damage to the other driver’s car and your car by adding collision and comprehensive coverage.

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Collision coverage pays for damage to your motor vehicle in the event of an auto accident, and comprehensive insurance pays for inclement weather damage, such as from a storm or fallen tree branch or if you accidentally hit an animal. 

Cheapest Car Insurance With a Speeding Ticket for Drivers in Idaho

AutoInsureSavings insurance agents found American National ($1,147 per year) offers the cheapest insurance coverage in Idaho for drivers who have one speeding violation on their driving record. American National’s quote is 28% less expensive or $444 less per year.

InsurerAnnual Cost
Monthly Cost
American National$1,147$95
State Farm$1,250$104
Auto-Owners$1,286$107
Idaho average$1,591$132

In Idaho, traffic tickets will increase your rates by $297 or 23%, but not as much as a driver with an at-fault accident (43%) or DUI violation (51%).

Cheapest Car Insurance With a Car Accident for Drivers in Idaho

We found American Family offers cheap auto insurance quotes to Idaho drivers with one at-fault accident on their driving records with a $1,687 annual rate ($140 per month) for our sample 30-year-old driver.

American Family’s rate is $560 less per year than Idaho’s average rate of $2,247 or 25% less expensive. 

InsurerAnnual Cost
Monthly Cost
American Family$1,687$140
State Farm$1,814$151
Auto-Owners$1,961$163
Idaho average$2,247$187

We found insurance rates increase about 43% after a driver is involved in an at-fault accident in Idaho during our licensed agent’s analysis. Just one at-fault accident could cause your car insurance rate to go up as much as $953 per year.

Cheapest Car Insurance for People With a DUI in Idaho

With a drunk driving (DUI) violation, people in Idaho can find the cheapest car insurance with Progressive with a quote at $1,980 per year for full coverage or a $165 monthly rate for our sample driver. Progressive’s quote is 25% cheaper than Idaho’s DUI rate of $2,613 annually.

InsurerAnnual Cost
Monthly Cost
Progressive$1,980$165
GEICO$2,341$195
Liberty Mutual$2,594$216
Idaho average$2,613$217

According to the Idaho Department of Insurance, a DUI conviction in Idaho will cause your car insurance premiums to increase 51%. The DUI will remain on your driving record for three years, and the Idaho Transportation Department will report your conviction to your insurance company during that time.

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In most instances, your car insurance company will file an SR-22 form to the Idaho Department of Motor Vehicles (DMV). Most drivers with a DUI in Idaho will have a 45-day driver’s license suspension, and an Idaho Judge may require you to install an ignition interlock device (BAIID) on your motor vehicle for 90 days.

Cheapest Car Insurance for Drivers With Poor Credit in Idaho

AutoInsureSavings.org agents recommend Auto-Owners, which provides the cheapest insurance for Idaho drivers with poor credit history. Auto-Owners’ rate of $1,316 with comprehensive and collision insurance included is 31% less expensive than the average rate for 30-year-olds.  

InsurerAnnual Cost
Monthly Cost
Auto-Owners$1,316$109
GEICO$1,481$123
State Farm$1,651$137
Idaho average$1,890$157

Auto insurers in Idaho use your credit score when setting your auto insurance rate, plus a variety of other risk factors. Idaho drivers with bad credit pay 32% more for auto insurance per year ($596 annually) or $1,788 over three years than those with good credit.

Make sure to keep an eye on your credit report and credit score, any mistakes on your credit report may cause your auto insurance rates to increase. 

Cheapest Car Insurance for Young Drivers in Idaho

Young Idaho drivers can find the cheapest full coverage auto insurance with GEICO, which provided us a $3,745 annual rate or 22% less expensive than Idaho’s younger driver average rates.

Drivers under 25 who qualify can get affordable insurance coverage with USAA, which offered our agents an annual rate of $3,781 for full coverage and $1,088 for minimum coverage.

GEICO also provides the cheapest minimum coverage rates for young or teen drivers at $1,131 per year or 24% lower than average Idaho rates.

The next best option for young Idahoans for state minimum is Allstate, at $1,462 per year. 

InsurerFull coverageMinimum coverage
GEICO$3,754$1,131
USAA$3,781$1,098
Auto-Owners$3,980$1,327
American National$4,127$1,561
American Family$4,256$1,984
State Farm$4,431$2,035
Farmers$5,047$2,326
Allstate$5,541$1,462

*USAA is for qualified military members, their spouses, and direct family members. Your insurance rates may vary based on your driver profile.

According to the Insurance Information Institute (III.org), your age correlates with safe driving habits. Statistically, the younger you are, the higher likelihood you will be in a car accident.

Auto insurers account for this risk factor by charging higher insurance rates for inexperienced drivers, according to the National Highway Traffic Safety Administration (NHTSA). As you gain more driving experience, your rates should decrease as you get older.  

Cheapest Car Insurance for Younger Drivers with Speeding Tickets

Younger drivers who receive a ticket for speeding in Idaho can find the cheapest auto insurance quotes with GEICO. The average insurance cost with GEICO is $3,951 per year for full coverage or 29% less expensive than Idaho’s average speed violation rate for young drivers. 

InsurerCost per yearCost per month
GEICO$3,951$329
Auto-Owners$4,343$361
State Farm$4,941$411
Idaho average$5,517$459

Cheapest Car Insurance for Young Drivers with an At-fault Accident

Inexperience Idaho drivers with a recent at-fault accident can find the best car insurance with American Family with a $4,371 quote for full coverage insurance.

American Family’s at-fault accident rate for young drivers is 27% cheaper than Idaho’s average rate of $5,967 per year. 

InsurerCost per yearCost per month
American Family$4,371$364
Auto-Owners$4,486$373
GEICO$5,267$438
Idaho average$5,967$497

Best Auto Insurance Companies in Idaho

Based on customer service and claims satisfaction, Idaho’s best car insurance companies are Auto-Owners, USAA, and American Family.

If customer service is a priority, we recommended Auto-Owners as the best auto insurer in Idaho.

ValuePenguin conducted a recent customer survey, which had similar results.

Company% respondents extremely satisfied with recent claim% respondents with customer service as excellent
Auto-Owners100%67%
USAA78%62%
American Family86%50%
State Farm73%46%
Allstate72%47%
Farmers71%38%
GEICO64%42%
Farm Bureau Insurancen/an/a

Buying cheap insurance helps Idahoan’s insurance shoppers save money, but companies with poor customer service or claims handling sometimes are not worth the extra savings in your bank account.

Finding affordable auto insurance companies in Idaho that offers the cheapest premium can be good. Other things such as customer service rating, claims satisfaction, and driver discounts are good to consider when deciding.

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AutoInsureSavings licensed agents collected information on car insurance companies in Idaho from the National Association of Insurance Commissioners (NAIC), J.D. Powers, and A.M. Best’s financial strength ratings.

The insurance companies with the lowest NAIC complaint index ratio is Farmers (0.00), Farm Bureau Insurance of Idaho (0.26), and Auto-Owners (0.42). All three insurers have a complaint index ratio of less than one (1.00).

InsurerNAIC Complaint IndexJ.D. Power Claims Satisfaction ScoreAM Best Financial Strength Rating
Farmers0.00872A
Farm Bureau0.26n/aA-
Auto-Owners0.42890A++
American Family0.44862A
Allstate0.63876A+
State Farm0.66881A++
USAA0.68890A++
GEICO1.01871A++

NAIC’s complaint ratio compares the numbers of complaints based on the market share of the car insurer. The national average is 1.00. Any auto insurance provider below 1.00 is better than the national average.

Auto-Owners ratio is 0.42 with a J.D. Power’s claims satisfaction score of 890 out of a possible score of 1,000 with “A++” financial strength ratings with AM Best. 

American Family’s complaint ratio is only 0.44, scoring 842 with J.D. Powers auto claims process, and “A” financial strength rating with AM Best. 

While comparing Idaho car insurance companies, several factors contribute to your insurance cost. Your driving history, type of vehicle, age, and even your credit rating can impact your total monthly or annual insurance premium. 

It is always best to compare plans to find an Idaho auto insurance company with the cheapest rates with excellent customer service ratings. 

Average Car Insurance Cost by City in Idaho

We collected insurance quotes from Idaho zip codes from top auto insurance companies, and found rates can vary by $313 by zip code and city. The least expensive auto policy is in Riggins ($1,114 per year), and the most expensive average auto policy is in Boise ($1,427 per year).

Your zip code is one of many risk factors auto insurers use to set your auto insurance rate. Other factors include your marital status, credit history, age, liability limits, and vehicle type.

Cheapest Car Insurance in Boise, ID

Drivers in Boise can find the best coverage rates with Auto-Owners, which provided us a quote at $971 annually for a full coverage insurance policy. Auto-Owners’ rate is 32% cheaper than Boise’s yearly insurance rate of $1,427 per year.

Boise CompanyAverage Premium
Auto-Owners$971
American National$1,055
Farmers$1,273
Boise average$1,427

Cheapest Car Insurance in Meridian, ID

AutoInsureSavings’ agents found Farmers is the cheapest insurance company for people in Meridian. They provided us a $1,160 annual rate for full coverage, 16% less expensive than Meridian’s yearly average rate of $1,375.

Meridian CompanyAverage Premium
Farmers$1,160
American National$1,201
State Farm$1,366
Meridian average$1,375

Cheapest Car Insurance in Nampa, ID

Nampa drivers can find the best full coverage insurance policy with State Farm, which provided us a $1,271 annual rate per year of $105 per month. State Farm’s insurance quote is 10% cheaper than average rates for 30-year-old drivers in Nampa. 

Nampa CompanyAverage Premium
State Farm$1,271
Auto-Owners$1,290
GEICO$1,363
Nampa average$1,399

Cheapest Car Insurance in Idaho Falls, ID

Through research, we found the cheapest auto insurance in Idaho Falls is Auto-Owners with an $85 monthly rate or $1,022 per year, while State Farm offers a $1,314 quote, and Liberty Mutual offers a $1,381 rate per year.

Idaho Falls CompanyAverage Premium
Auto-Owners$1,022
State Farm$1,314
Liberty Mutual$1,381
Idaho Falls average$1,376

Cheapest Car Insurance in Pocatello, ID

Pocatello drivers can find the cheapest auto insurance with GEICO, which provided our agents a $1,277 average rate per year for our 30-year-old driver. GEICO’s quote is 10% less expensive than Pocatello’s average rates. 

Pocatello CompanyAverage Premium
GEICO$1,277
Auto-Owners$1,319
State Farm$1,389
Pocatello average$1,410

Cheapest Car Insurance in Caldwell, ID

Drivers in Caldwell looking for cheaper car insurance rates should get quotes from Auto-Owners, which offered our agents a $1,013 annual rate for full coverage. Auto-Owners’ rate is 28% less expensive than Caldwell’s average rates of $1,393 per year. 

Caldwell CompanyAverage Premium
Auto-Owners$1,013
GEICO$1,271
State Farm$1,311
Caldwell average$1,393

Average Car Insurance Costs for All Cities in Idaho

CityAnnual Premium CostCityAnnual Premium Cost
Boise$1,427Athol$1,239
Meridian$1,375Moyie Springs$1,270
Nampa$1,399Dover$1,214
Idaho Falls$1,376Hauser$1,239
Pocatello$1,410Teton$1,363
Caldwell$1,393Horseshoe Bend$1,337
Coeur d'Alene $1,388Mullan$1,239
Twin Falls $1,214Kooskia$1,269
Post Falls$1,339Ririe$1,374
Lewiston $1,226Downey$1,271
Rexburg $1,317Notus$1,401
Eagle$1,247Carey$1,269
Moscow $1,273Hayden Lake$1,198
Kuna$1,342Smelterville$1,214
Ammon$1,329Dubois$1,226
Chubbuck$1,239Juliaetta$1,199
Hayden$1,216Roberts$1,337
Mountain Home$1,374Clark Fork$1,266
Blackfoot $1,158Melba$1,214
Garden City$1,322Deary$1,273
Jerome $1,400Paris$1,247
Burley $1,226New Meadows$1,344
Star$1,266Craigmont$1,401
Sandpoint$1,341Georgetown$1,239
Hailey$1,214Lewisville$1,311
Rathdrum$1,247Mackay$1,266
Middleton$1,345Richfield$1,206
Payette $1,273Pierce$1,374
Emmett $1,411Firth$1,214
Rupert$1,270Dayton$1,401
Preston$1,147Nezperce$1,239
Weiser$1,206Weston$1,226
Fruitland$1,300Grand View$1,247
Shelley$1,214Idaho City$1,138
Buhl$1,370Weippe$1,266
American Falls$1,311Lava Hot Springs$1,205
Rigby$1,401Eden$1,337
Kimberly$1,239Riggins$1,114
St. Anthony $1,247Fairfield$1,214
Gooding $1,226Basalt$1,266
McCall$1,140Mud Lake$1,311
Heyburn$1,257Culdesac$1,143
Grangeville$1,403Bancroft$1,206
Salmon$1,214Winchester$1,247
Soda Springs$1,200Arimo$1,370
Orofino$1,311Declo$1,226
Filer$1,173Dietrich$1,401
Ketchum$1,337Cambridge$1,239
Wendell$1,206Newdale$1,214
Homedale$1,150Kendrick$1,273
Bonners Ferry$1,226Bliss$1,257
Montpelier$1,247Parker$1,311
St. Maries$1,156Clifton$1,140
Dalton Gardens$1,401Hollister$1,382
Bellevue$1,239Rockland$1,104
Spirit Lake$1,273Tetonia$1,226
Iona$1,370Albion$1,247
Victor$1,214Island Park$1,206
Malad City$1,257Worley$1,178
Parma$1,337Bovill$1,239
Kellogg$1,117Irwin$1,257
Aberdeen$1,311Castleford$1,401
Priest River$1,133Stites$1,214
Driggs$1,401Swan Valley$1,239
Wilder$1,247East Hope$1,273
Pinehurst$1,206Harrison$1,214
Osburn$1,226Bloomington$1,370
New Plymouth$1,411Malta$1,311
Shoshone $1,154Peck$1,206
Sun Valley$1,339Oldtown$1,158
Sugar City$1,273Onaway$1,361
Paul$1,239Wardner$1,381
Marsing$1,370Fernan Lake Village$1,247
Kamiah$1,257Crouch$1,233
Hansen$1,206Moore$1,109
Glenns Ferry$1,247Ferdinand$1,226
Ucon$1,403Murtaugh$1,273
Lapwai$1,233Midvale$1,370
Ponderay$1,311Donnelly$1,257
Ashton$1,214St. Charles$1,233
Challis$1,337Acequia$1,247
Plummer$1,402Elk River$1,408
Cascade$1,370Tensed$1,405
Genesee$1,226Minidoka$1,214
Cottonwood$1,380Huetter$1,233
Grace$1,254Leadore$1,206
Troy$1,273Hamer$1,366
Inkom$1,247Hope$1,254
Arco$1,214White Bird$1,296
Greenleaf$1,226Stanley$1,247
Hagerman$1,233Butte City$1,353
Council$1,388Reubens$1,214
Kootenai$1,337Placerville$1,353
McCammon$1,206Oxford$1,273
Franklin$1,233State Line$1,379
Potlatch$1,254Spencer$1,214
Hazelton$1,296Atomic City$1,325
Oakley$1,254Drummond$1,226
Menan$1,353Clayton$1,206
Wallace$1,214Warm River$1,233

Minimum Car Insurance Requirements in Iowa

According to the Idaho Department of Insurance (doi.idaho.gov), all auto insurance policies sold to Idahoans must have the minimum liability limits. 

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

Bodily injury liability coverage covers injuries sustained in a car accident up to $25,000 per person of bodily injury and $50,000 per accident. Property damage liability insurance pays for repairs to personal property up to $15,000 per accident.

We recommend adding uninsured motorist coverage to your auto insurance policy since the uninsured motorist rate is 8.2%, according to the Insurance Information Institute (III.org).

Frequently Asked Questions

Who has the Cheapest Car Insurance Coverage in Idaho?

American National offers the cheapest minimum coverage in Idaho, with average rates of $248 per year. The average annual premium for minimum coverage is $512, and American National’s premium costs 52% less per year.

How Much Is Car Insurance For Drivers in Idaho per Month?

The average cost for car insurance per month in Idaho is $107 or $1,294 per year for full coverage. The average price of a minimum coverage car insurance policy per month is $42 or $512 per year. Auto-Owners’ full coverage average rate is $940 per year or 28% less expensive, while American National offers state minimum policies in Idaho at $283 or 45% cheaper.

How Much Is Full Coverage Car Insurance in Idaho?

The average cost of full coverage car insurance in Idaho is $1,294 annually or $107 per month. Auto-Owners’ average rate for full coverage is $940 a year or $78 per month. American National ($1,032) and USAA ($1,085) are also below the state’s average.

How Much Will my Car Insurance Rise With a Speeding Ticket in Idaho?

You can expect your car insurance rates to increase by 23% or $297 per year after a ticket in Idaho. Most drivers pay around $1,591 annually or $132 monthly for full coverage once they have a traffic ticket on their driving records. The amount it goes up depends on the car insurance company and several other risk factors.

How do I Save on Car Insurance in Idaho?

There are many ways for drivers in Idaho to save on their car insurance premiums. You can determine if you are eligible for a money-saving driver discount offered by the auto insurance company. Many insurance providers will lower your overall rates if you have multi-policies with them, such as life or home insurance.

Another way to save on your car insurance premium is to practice good driving habits and keep a clean driving record. That will not only keep you and your passengers safe but will also help you avoid auto accidents or traffic violations that could cause your premium to increase.

To learn more about the most affordable car insurance options for drivers in Idaho, contact the experts at AutoInsureSavings.org. Our licensed insurance professionals will be happy to answer any questions you have.

Methodology

AutoInsureSavings.org comparison shopping insurance study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily injury liability$50,000 per person / $100,000 per accident
Property damage liability$25,000 per accident
Personal injury protection$10,000
Uninsured / underinsured motorist bodily injury$50,000 per person / $100,000 per accident
Comprehensive and collision coverage$500 deductible

We used insurance rates for drivers with an accident history, credit score, and marital status for other Idaho rate analyses. We used car insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your insurance rates may vary when you get quotes.

Sources

– National Highway Traffic Safety Administration. “Traffic Safety Facts.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Companies.”
– NOLO. “Idaho Car Insurance Laws.”
– Idaho Traffic Safety Resource Prosecutor. “Insurance Penalties for a DUI Conviction.”
– Idaho Dept. of Insurance Division of Motor Vehicles. “Idaho’s Point Violations.”
– Insurance Information Institute. “Basic auto insurance policy.”
– Dept of Insurance Idaho. “Auto Insurance Requirements.”

Maurice Draine

Maurice Draine

Maurice, a former licensed P&C insurance agent with a 4-year degree in journalism. He resides in Minneapolis and has worked as a technical writer for UnitedHealthcare and Wells Fargo, where he created Medicare-related policies and procedures for three years. He is also an editor for AutoInsureSavings.org.

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