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Cheapest Auto Insurance in Idaho & Minimum Requirements, plus Strategies to Help Lower Your Premium

Here you will find the least expensive insurance companies in the state of Idaho and the minimum coverage requirements.

Plus strategies to help you lower your premium.

Overall and depending on your driving history, the lowest price insurers are American National, Progressive, and Mutual Enumclaw.

Depending on the city or zip code you reside, there are other carriers which may cost less.

I will go into more details below. 

Otherwise, I will briefly cover the minimum coverage, the cheapest auto insurance carriers, and cost-saving ideas for you.

If you would like to skip to a certain portion of the article, please use the table of contents down a little and to the right.

Minimum Car Insurance Requirement in Idaho

CoverageIdaho Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$15,000$25,000
Uninsured Motorist Coverage*$25,000 / $50,000$50,000 / $100,000
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$500 deductible

*Uninsured/underinsured coverage can be waived by signing a form. Idaho does not require you to carry additional coverage such as medical payments or Collision & Comprehensive. However, if you own property or other valuable assets, supplementing the minimum requirements can help you protect yourself from monetary loss.

Bodily Injury Liability

Coverage which is meant to cover the hospital bills of the opposing party in an accident.

If only the minimum quantity of coverage is purchase an insurer will pay up to $25,000 for a single person and a grand total of $50,000 for all passengers for a single accident.

Cheapest premium options for a 30 y/o driver.Note: As illustrated, the cheapest rates for a 30 year old driver are American National, Progressive, and Mutual Enumclaw. This is for a driver driving a 2012 Honda Accord, good credit, no more than one driving violation in the past three years. Please see table below.

Property Damage Liability

Property damage is damage to public property like road signs or guard rails, personal property like somebody’s home or somebody’s vehicle.

If the minimum coverage is purchased the insurer will make allowance for a maximum payout of $15,000 for a single accident.

Lowest insurers for a 40 year old driver in IdahoNote: For a 40 year old driver to get the lowest rates you may want to try Progressive, American National, or Mutual Enumclaw. Our driver in this study had no more than one driving violation.

The set numbers for the state of Idaho are 25/50/15 which are always in thousands as you can see from above respectfully.

Inexpensive policies for a 55 year old driver in IdahoNote: A 55 year old driver in Idaho should be able to get really low rates. Particularly if you have a clean driving record. For a more detailed comparison see table below.

Who has the Cheapest Insurance in Idaho?

In the table below I have include the least costly insurers by price for drivers from 25 to 55 years of age.

The cheapest carriers are American National, Progressive, and Mutual Enumclaw.

All three average from 14% to 28% lower than the median rate for about any age of driver.

Young or teen drivers are probably going to see wild changes in their premium therefore I haven’t included that age group.

For drivers 40 years of age and older, any of the top carriers such as Progressive, GEICO, and State Farm are always competitive.

If you want a regional company then American National, Mutual Enumclaw, or Grange are competitive across the board.

All of them are over 13% lower than the average price for a driver of the same age and profile.

While shopping for quotes you have to realize each carrier has their own method of determining risk.

Therefore, you will more than likely receive quotes different from the ones detailed below.

CompanyAverage Annual Rate 25 Y/O Driver30 Y/O Driver40 Y/O Driver45 Y/O Driver55 Y/O Driver
American National$1,287$1,009$702$650$601
Progressive$1,321$1,010$731$655$610
Mutual Enumclaw$1,343$1,021$739$668$625
Grange$1,376$1,045$804$702$655
GEICO$1,398$1,068$810$714$665
Oregon Mutual$1,455$1,129$859$756$715
State Farm$1,487$1,156$870$798$728
21st Century$1,547$1,179$920$820$786
Allied$1,658$1,180$973$872$784
Farmers$1,687$1,231$990$897$782
Liberty Mutual $1,698$1,245$1,003$911$789
Amica$1,750$1,378$1,121$986$790
Ameriprise$1,842$1,379$1,147$988$801
MetLife$1,896$1,428$1,208$1,043$825

Cheapest premiums by price for 40 year old driver

Exceptions Not to Carry Minimum Coverage

In Idaho, the minimum car insurance requirements has some exceptions.

One possibility is to have an indemnity bond issued by a surety company that’s approved to conduct business in Idaho.

If you prefer not to have minimum coverage, the bond must guarantee you have the ability to pay $50,000 in the event of an accident.

Median rates from top firms for 55 year old driver

If you have more than one vehicle, for example, two, then you would have to have a bond guaranteeing you could pay $100,000 with a cap at $120,000 for five vehicles.

If you don’t have the financial capacity to get an indemnity bond then you are required to get the minimum coverage in the state of Idaho.

Since the state has harsh winters with snow fall reaching into the hundreds of inches per season in some areas, it may be worthwhile to consider comprehensive and collision coverage.

Best Companies by Consumer Rating, Rate Change over 18 Months, and Complaints

Outlined below are the best companies in the state of Idaho based on written premiums, rate change over a 12 to 18 month period, consumer rating, and complaints.

The amount of written premiums are included since the amount of complaints are too.

There reason for this is a company with a high amount of complaints and a very low amount of written premiums, should make a potential consumer wary.

For the insurers in the list below there is nothing unusual or out of the ordinary which should deter you from buying a policy from them.

The rate change over a 12 to 18 month period varied from 1.8% to 3.3%. This is nothing out of the ordinary.

However, if you receive a traffic violation your rate can spike 20% or more depending on the violation.

There are other items which could spike your rates such as letting your premium lapse.

The consumer rating data is a combination of JD Power & Associates, AM Best, and other reputable online sources for the state of Idaho.

CompanyWritten PremiumsRate Change > 18 Months# of ComplaintsRating Out of 5 Stars
State Farm$39,972,763+2.1%154.7
Progressive$32,799,622+2.4%144.7
USAA$16,675,152 +1.8%34.7
Farm Bureau$26,342,798+2.2%24.6
GEICO$37,835,779+2.0%234.6
American Family$16,165,307 +2.6%184.6
Auto Owners$2,443,776 +2.8%64.5
21st Century$11,197,321+2.9%54.5
Allstate$9,137,143+2.8%114.4
Farmers$10,080,174+3.0%94.3
Liberty Mutual $8,302,048+3.1%194.3
Amica$7,385,013+3.2%74.2
Ameriprise$6,302,048+3.1%54.1
MetLife$4,385,013+3.3%44.0

Insurance Card Requirement in Idaho

The state of Idaho requires every passenger to carry an insurance card with them either on their person or in the vehicle.

This applies to those that have coverage from a carrier and those which have an indemnity bond.

The indemnity bond must be verified through Idaho’s department of motor vehicles which have locations at Idaho Falls, Boise, Caldwell, Pocatello, and Buhl.

Uninsured Motorist Protection Policy

Idaho car insurance companies are required to include uninsured and underinsured motorist coverage in your liability policy.

This coverage helps you pay for costs you might incur in an accident with a driver who has insufficient or no car insurance.

The state mandates coverage for bodily injury at the same minimums as your liability coverage

Idaho has a relatively low uninsured motorist rate compared to the national average.

However, it is better to be safe than sorry if you are in accident with an uninsured motorist.

Apart from comparing quotes there are more things you can do to get the best rates.

Average Premium by City

Below are 24 cities in the state of Idaho and the average premium by city.

The quotes varied from $720 to $876 depending on the city.

Therefore, your quotes are going to vary significantly from zip code to zip code.

Other factors which may be included are items such as were you park your or how far do you drive to work.

Or how many miles do you drive in a year.

I haven’t include a list of the cheapest carriers by city since most of them stayed pretty much the same.

The quotes listed are for informational purposes and guide to help you get a better premium.

The rates are for a 30 year old male driver with one driving violation.

If you would like a detailed comparison of quotes by city please read further below.

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Ammon $72014,960Grangeville$7163,139Middleton $7206,828
Blackfoot $74411,740Hagerman $785851Moscow $71625,060
Buhl$7294,298Hayden $68914,133 Parma $7232,083
Burley $77910,436Idaho Falls $64559,184Pocatello$81254,441
Cottonwood$812917Jerome $82011,184 Post Falls $76730,453
Chubbuck$87614,428Kendrick $729300Preston $7875,212
Coeur d'Alene $70949,122Lewiston $79932,544Rexburg $79127,663
Eagle $87623,612McCall $8043,278Twin Falls $79047,468

Boise, ID

Boise least expensive premiums by price for drivers.Drivers in Boise can get the cheapest quotes with Mutual Enumclaw, American National, and Progressive.

I queried each at $711, $714, and $755 for a 30 year old driver.

Which is 16% to 19% lower than the average rate for a driver of similar profile and age.

For a 45 year old driver the least costly are Mutual Enumclaw and American National.

I queried each at $601 and $643 per year for full coverage.

Which is over 14% lower than the median quote in Boise.

With quotes clustering between $711 and $821 it would be smart to compare for the most savings. 

Boise Company30 Y/O Driver45 Y/O Driver
Mutual Enumclaw$711$601
American National$714$643
Progressive$755$649
Grange$769$698
GEICO$821$701
Oregon Mutual$844$711
State Farm$900$712

Boise is the largest city in Idaho and home to over 200,000 people.

With a “techie” heritage as of the 1970’s, companies such as Hewlett-Packard and Micron Technology lure people to the city of Boise each year.

Boise has been named the best place in the United States to mountain bike.

With beautiful landscapes, nature trails, and bike paths, outdoor enthusiasts enjoy riding almost year round.

Meridian, ID

Meridian low-cost policy options for all drivers.If you are driver in Meridian and don’t have the lowest premium then your probably getting quotes from the wrong companies.

Start by getting prices from Mutual Enumclaw, American National, and Progressive.

I queried each at $723, $721, and $744 respectfully for a 30 year old driver.

Which is 14% to 17% lower than the “mean” quote for drivers of similar age and profile.

In fact, the quotes clustered between $723 and $782 making any of the insurers illustrated worth getting a quote from.

A 45 year old can get the best prices with American National and Mutual Enumclaw.

I queried both of them at $603 and $608 respectfully per year for full coverage.

Both are over 16% lower than the median price.

Grange is another which should be on your list to get quotes with a low price at $611. 

Meridian Company30 Y/O Driver45 Y/O Driver
American National$721$603
Mutual Enumclaw$723$608
Grange$729$611
Progressive$744$648
GEICO$782$683
Oregon Mutual$802$691
State Farm$806$702

Meridian’s small-town feel but convenient location has made it an attractive spot for families.

Meridian is known for having more new residential subdivisions per square mile than any other location in the area.

With this comes the highest percent of Charter and Magnate schools, educational opportunities in the state for K-12.

Nampa, ID

Nampa low-cost policy choices for 30 to 45 y/o drivers.To get the lowest auto insurance rates you would get quotes Mutual Enumclaw, American National, or Grange in Nampa.

I queried each at $756, $766, and $787 per year for a 30 year old driver.

Which is 13% lower than the median rate for similar drivers in Nampa.

A 45 year old can get the lowest quotes with Mutual Enumclaw and American National.

Each queried at $621 and $628 per year for full coverage.

Or nearly 17% lower than the “mean” quote for similar drivers.

All carriers clustered between $621 and $711 making any illustrated worthwhile to get quotes for the most savings. 

Nampa Company30 Y/O Driver45 Y/O Driver
Mutual Enumclaw$756$621
American National$766$628
Grange$787$629
Progressive$803$641
GEICO$844$673
Oregon Mutual$845$690
State Farm$851$711

Nampa has been known as a strong agricultural base.

The surrounding area produces more than 90 percent of the world’s sweet corn, and is also a leader in the production of livestock and dairy.

Located in the heart of Idaho’s wine country, Nampa also produces its share of grapes.

Thus producing some of the finest wines in the West – Midwest area of the United States.

Caldwell, ID

Caldwell inexpensive policy options for all drivers.Drivers in Caldwell shopping for the lowest quotes would want to start with Mutual Enumclaw, American National, and Grange.

I queried each at $742, $768, and $789 for a 30 year old.

Which is 18% to 20% lower than the median quote for drivers of similar age and profile.

Both Progressive and GEICO are over 10% cheaper making them equally good contenders for maximum savings.

A 45 year in Caldwell can get the best prices with Mutual Enumclaw and American National.

Each queried at $641 and $649 per year for a full coverage premium.

They are 4% to 9% cheaper than their direct competitors and nearly 14% lower than the average premium cost. 

Caldwell Company30 Y/O Driver45 Y/O Driver
Mutual Enumclaw$742$641
American National$768$649
Grange Insurance$789$677
Progressive$809$679
GEICO$841$700
Oregon Mutual$868$710
State Farm$899$731

The city of Caldwell has seen explosive population growth in recent years.

With nearly 55,000 residents, 5 secondary schools, and 10 public parks may residents enjoy the family friendly atmosphere Caldwell has established.

With this it brings charming river side views and a quaint atmosphere for residents.

Coeur d’Alene

Coeur d'Alene, Idaho low-cost policy options for drivers.

Quotes clustered between $787 and $957 in Coeur d’Alene for a 30 year old driver.

If you want the lowest prices then start with Mutual Enumclaw and Progressive.

I queried each at $787 and $822 respectfully for a 30 year old.

Quotes varied by $170 for those illustrated making it important to compare before buying a policy.

A 45 year old can get the best prices with Mutual Enumclaw, Progressive, and American National.

I queried each at $625, $655, and $698 per year for full coverage.

Which is 13% to 18% lower than the median rate.

Both Grange and Oregon Mutual are below the average premium making them good contenders if you are shopping for quotes.

Coeur d'Alene Company30 Y/O Driver45 Y/O Driver
Mutual Enumclaw$787$625
Progressive$822$655
American National$855$698
Grange Insurance$890$724
GEICO$925$754
Oregon Mutual$957$768
State Farm$1,004$812

Coeur d’Alene was founded in 1878 with approximately 150 residents.

Coeur d’Alene is a French word which means heart of the awl.

This also implies shrewd or sharphearted.

The name of the city was directly taken from a fort called Fort Coeur d’Alene and was constructed by General William Tecumseh Sherman.

Today it is the largest city in the Idaho Panhandle with approximately 45,000 residents.

Twin Falls

Twin Falls inexpensive quotes by price for 30 to 45 y/o drivers.

Drivers in Twin Falls can get the cheapest premium by getting quotes from American National, Mutual Enumclaw, and Progressive.

I queried each at $766, $789, and $817 per year for a 30 year old driver.

Which is 16% to 20% lower than the median rate for drivers of similar age and profile.

There is a big variance among the lowest and highest insurers illustrated making it equally important to shop before buying a policy.

A 45 year old can get inexpensive quotes with American National and Mutual Enumclaw.

Each queried at $621 and $666 per year for full coverage.

Or approximately 13% to 16% lower than the “mean” rate for drivers in Twin Falls.

Progressive and Grange are well below the median rate with quotes at $698 and $718 respectfully.

Twin Falls Company30 Y/O Driver45 Y/O Driver
American National$766$621
Mutual Enumclaw$789$666
Progressive$817$698
Grange$854$718
Oregon Mutual$943$764
State Farm$967$798

Twin Falls was originally inhabited by Native American tribes like Bannock and Shoshone.

The first settles arrived around 1811 and the first permanent settlement was in 1864.

Today, it is the 7th largest city in Idaho with approximately 44,000 residents.

It is the fastest growing city in south-central Idaho.

Idaho Falls

Idaho Falls cheapest premium choices for all drivers.

If you are overpaying on your auto premium then your probably not looking in the correct place.

For driver in Idaho Falls, the cheapest quotes are with Mutual Enumclaw, American National, and Progressive.

Each queried at $765, $797, and $827 per year for a 30 year old driver.

Which is 16% to 21% lower then the median rate for drivers of similar age.

Oregon Mutual and Grange are getting the near the median rate.

However, each could offer a substantially better deal with discounts applied.

A 45 year old can get the lowest quotes with Mutual Enumclaw and American National.

I queried each at $619 and $624 per year for full coverage.

Or approximately 14% lower than the median rate for drivers in Idaho Falls.

Progressive and Oregon Mutual are well below the “mean” rate with quotes at $687 and $727 respectfully.

Idaho Falls Company30 Y/O Driver45 Y/O Driver
Mutual Enumclaw$765$619
American National$797$624
Progressive$827$687
Oregon Mutual$875$727
Grange$928$780
State Farm$963$800

Idaho Falls was the site of Taylor’s Crossing on the Montana Trail which was a timber frame bridge built across the Snake River.

During that time the city was named Eagle Rock and by 1891 it was officially a town and was named Idaho Falls.

Today, there are approximately 57,000 residents and over 133,000 in the metropolitan area.

Idaho Falls is the primary hub for eastern Idaho and western Wyoming.

Pocatello

Pocatello low-cost policy choices for drivers.Drivers in Pocatello can get the least expensive premium by getting quotes from American National, Progressive, and Mutual Enumclaw.

I queried each at $755, $809, and $816 per year for a 30 year old driver.

Which is 15% to 19% lower than the median rate for drivers of similar age and profile.

Grange is equally a good contender with low quotes at $876.

A 45 year old can get the best prices with American National and Progressive.

I queried each at $630 and $655 per year for full coverage.

Or approximately 14% lower than the “mean” rate for drivers in Pocatello of the same age.

Grange and State Farm both are slightly lower then the median rate with quotes at $726 and $776 respectfully for full coverage.

Pocatello Company30 Y/O Driver45 Y/O Driver
American National$755$630
Progressive$809$655
Mutual Enumclaw$816$689
Grange$876$726
State Farm$924$776
Oregon Mutual$980$798

Pocatello was originally inhabited by the Shoshoni Indians and the city is named after one of the Indian Chiefs.

By 1860 gold was discovered in Idaho bringing a wave of people into Pocatello.

Today, it is the 5th largest city in the state with approximately 56,000 residents.  

AARP has mentioned Pocatello at the top of list for retirees.

Lewiston

Lewiston, Idaho cheapest policy options for drivers.

I found the quotes clustering between $768 and $900 per year for a 30 year old driver in Lewiston.

If you want the lowest price then get quotes from Progressive and American National.

I queried each at $768 and $795 per year for a 30 year old driver.

Which is 16% to 18% lower than the median rate for drivers of similar age.

Grange and State Farm spike near the median mark with quotes at $845 and $900 respectfully.

A 45 year old can get the cheapest auto insurance with Progressive and American National.

I queried each at $611 and $615 respectfully per year for full coverage.

Which is 16% lower than the “mean” rate for drivers with a similar profile.

There are four carriers under $700 including Mutual Enumclaw and Grange.

Both are competitive with quotes at $655 and $689.

Lewiston Company30 Y/O Driver45 Y/O Driver
Progressive$768$611
American National$795$615
Mutual Enumclaw$820$655
Grange$845$689
State Farm$900$725
Oregon Mutual$943$779

The first Europeans to visit the area of Lewiston were the U.S. expedition members who were led by Lewis and Clark.

Lewiston was founded in 1861 and was named in honor of Meriwether Lewis in the wake of the gold rush.

Today, it is the 9th largest city in the state and the 2nd largest in the Idaho Panhandle.

Moscow

Moscow, Idaho least expensive policy options for 30 to 45 y/o drivers.

Drivers in Moscow can get the cheapest premium by getting quotes from American National, Mutual Enumclaw, and Progressive.

I queried each at $735, $770, and $804 per year for a 30 year old driver.

Which is 13% to 17% lower than the median rate for drivers of similar profile.

Grange and State Farm are below the average rate with quotes at $854 and $879 respectfully.

A 45 year old can get the lowest quotes with American National and Mutual Enumclaw.

I queried each at $587 and $612 per year for full coverage.

Which is 18% lower than the “mean” rate for other policyholders within the city.

Progressive is extremely competitive with a low quote at $615 per year.

Moscow Company30 Y/O Driver45 Y/O Driver
American National$735$587
Mutual Enumclaw$770$612
Progressive$804$615
Grange$854$678
State Farm$879$711
Oregon Mutual$938$743

Moscow is one of the principal cities in the Idaho Panhandle along the border of Washington.

Where the origin of the name came from is disputed by many.

Some believe it is after Moscow, Russia, but probably not.

Interestingly enough there were five men which could not come up with a name.

The postmaster Samuel Neff completed the official papers for the town and wrote Moscow.

Sandpoint

Sandpoint low-cost policy choices for all drivers.

Drivers in Sandpoint can get the cheapest premium by getting quotes from Progressive and American National.

I queried each at $754 and $753 per year for a 30 year old driver.

Which is 17% lower than the average rate for drivers citywide.

In fact, getting quotes from any of the carriers illustrated would be smart to find the most savings.

A 45 year old can get the lowest premium with Progressive and American National.

I queried each at $567 and $589 per year for full coverage.

Which is 18% to 20% lower then the average rate for drivers of a similar profile.

With quotes clustering between $567 and $685 there is a $118 variance or over 26% difference.

Making it smart to compare quotes among all the carriers illustrated in the chart.

Sandpoint Company30 Y/O Driver45 Y/O Driver
Progressive$754$567
American National$753$589
Mutual Enumclaw$789$608
Grange$822$643
State Farm$887$685
Oregon Mutual$927$724

The Northern Pacific Railroad brought European and Chinese settlement to the area now known as Sandpoint in the 1880’s.

Theodore Roosevelt hunted in the area in 1888 and documented the area of Sandpoint as “Rough and Tumble”. 

By 1898 the city was incorporated and had approximately 1,500 residents.

Driving without Insurance & Penalties

Driving without insurance in the state of Idaho will bring you fines and penalties and successive convictions can bring you fines into hundreds, even thousands of dollars if you include court costs.

Type of PenaltyFirst OffenseSecond & Subsequent Offenses
Fine$75$1,000
Administrative Fees$56.5N/A
ImprisonmentN/AUp to 6 months or a combination of jail time and fine
SR-221 year3 years
Driving PrivilegeLicense suspension until proof of insurance is provided for each offense
Reinstatement Fee$85 for each offense

Insurance Resources & Motor Vehicle Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
3rd Floor, 700 W State St, Boise, ID 83702
(208) 334-4250
3311 W State St, Boise, ID 83703
(208) 334-8000
400 N Benjamin Ln #101, Boise, ID 83704
(208) 577-3100
WebsiteWebsiteWebsite
Final Thoughts

Idaho is among the states where premiums are the cheapest in the nation for a few years in a row.

Motorists who need to get the lowest possible price on their policy can compare different quotes.

Along with doing a little research online, you should be able to get a premium 20% to 25% lower than if you haven’t. 

Sources

Idaho Statutes & Rules

https://www.census.gov/quickfacts/ID

https://www.iii.org/publications/a-firm-foundation-how-insurance-supports-the-economy/state-fact-sheets/idaho-firm-foundation

Mutual of Enumclaw

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg enjoys writing articles to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at Google+ or Facebook Profile.

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