The Cheapest and Best Car Insurance Quotes in Idaho 2023
State Farm has the best cheap car insurance in Idaho, at $16 per month for minimum liability coverage.
Best cheap car insurance in Idaho
To help drivers in Idaho find the best cheap car insurance, our editorial team collected quotes from top insurance companies in every ZIP code in the state. Quotes for minimum coverage meet the Idaho state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, plus $15,000 in property damage coverage. Full coverage quotes include comprehensive and collision protection, along with higher liability limits than state minimums.
In addition, we ranked the best insurance companies in Idaho based on the cost of coverage for different drivers, convenience, coverage availability and customer service ratings.
Cheapest auto insurance quotes in Idaho: State Farm
State Farm has the best cheap liability car insurance in Idaho. A minimum coverage policy from State Farm costs $16 per month, which is 53% cheaper than the state average.
The average cost of car insurance in Idaho is $34 per month, or $410 per year, for minimum liability.
Find Cheap Auto Insurance Quotes in Idaho
Drivers in Idaho can also find cheap car insurance with Auto-Owners, where a minimum coverage policy costs $17 per month, on average. That's only $1 per month more expensive than State Farm and half the cost of an average policy in the state.
Cheapest Idaho car insurance companies
Company | Monthly rate | |
|---|---|---|
| State Farm | $16 |
| Auto-Owners | $17 |
| Geico | $29 |
| Farm Bureau | $31 |
| Travelers | $41 |
*USAA is only available to current and former military members and their families.
Minimum liability coverage is the cheapest form of car insurance, but it's usually not the best option. Minimum liability policies in Idaho only cover the other driver's injuries or repairs. That means your insurance company won't cover your injuries or pay to repair damage to your car.
We recommend full coverage car insurance for most drivers because it will help you avoid expensive repairs after an at-fault accident.
Cheapest company for full coverage: State Farm
State Farm has the cheapest car insurance quotes in Idaho for full coverage. Coverage from State Farm costs $43 per month — 56% less than the state average.
Full coverage car insurance in Idaho costs $99 per month, or $1,188 per year.
Company | Monthly rate |
|---|---|
| State Farm | $43 |
| Auto-Owners | $59 |
| Geico | $92 |
| Farm Bureau | $97 |
| Travelers | $106 |
*USAA is only available to current and former military members and their families.
Full coverage policies help protect your own car by including collision and comprehensive coverages. Collision coverage pays for damage from a driving accident, regardless of who is at fault. Comprehensive coverage pays for the damage out of your control, like weather-related damage or theft.
Cheap car insurance quotes for Idaho drivers with prior incidents
State Farm offers the cheapest car insurance quotes in Idaho for people with a speeding ticket or accident on their driving record.
Insurance companies consider factors like your driving history and credit score to help determine your rate. If you were recently responsible for a crash or got a ticket for driving under the influence or speeding, your rates will likely be higher because insurance companies see you as a riskier driver.
Find Cheap Auto Insurance Quotes in Idaho
Cheapest car insurance for people with a speeding ticket: State Farm
Drivers in Idaho can find the cheapest auto insurance quotes with State Farm, which charges $47 per month. That's 60% less than the Idaho state average.
Company | Monthly rate |
|---|---|
| State Farm | $47 |
| Auto-Owners | $59 |
| Farm Bureau | $97 |
| American Family | $113 |
| Geico | $118 |
Speeding tickets raise your rate by an average of 19%, or $18 per month, in Idaho.
Cheapest for drivers after an accident: State Farm
State Farm has the cheapest quotes for Idaho drivers who have been in an at-fault accident. State Farm charges around $51 per month for full coverage, which is 64% less than the state average and 44% less than the next-cheapest company, Auto-Owners.
Company | Monthly rate |
|---|---|
| State Farm | $51 |
| Auto-Owners | $67 |
| American Family | $113 |
| Farm Bureau | $127 |
| Travelers | $139 |
Average rates in Idaho increase by 40% after an at-fault accident. That means a single accident can cost you almost $480 more per year.
Cheapest car insurance for drivers with a DUI: American Family
American Family has the most affordable coverage for drivers with a DUI on their record. Full coverage from AmFam costs $113 per month, which is 38% cheaper than the average rate for drivers with a DUI.
Company | Monthly rate |
|---|---|
| American Family | $113 |
| Auto-Owners | $131 |
| Travelers | $146 |
| State Farm | $147 |
| Allstate | $206 |
Driving under the influence (DUI) causes rates to increase more than any other driving incident. Quotes for drivers with a DUI increased by 84%, compared to a 40% increase for an at-fault accident and 19% for a speeding ticket.
Cheapest car insurance quotes for drivers with poor credit: Geico
Geico has the most affordable auto insurance for drivers with bad credit in Idaho. At $131 per month, full coverage from Geico is 24% cheaper than the state average of $172 per month.
Company | Monthly rate |
|---|---|
| Geico | $131 |
| State Farm | $135 |
| Auto-Owners | $138 |
| Farm Bureau | $147 |
| Travelers | $158 |
A poor credit score doesn't mean you're a bad driver, but insurance companies consider it when setting your rates. In Idaho, drivers with bad credit pay 74% more than drivers with good credit.
Cheapest car insurance quotes for young drivers in Idaho: State Farm
State Farm has the cheapest quotes for 18-year-old drivers in Idaho at $55 per month for minimum coverage.
On average, young drivers in Idaho pay $123 per month for minimum coverage car insurance — more than three times as much as a 30-year-old driver pays.
State Farm also offers the best rates for full-coverage policies for teen drivers at $133 per month, which is 60% cheaper than the Idaho state average.
Cheapest Idaho car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $55 | $133 |
| Farm Bureau | $68 | $212 |
| Auto-Owners | $68 | $187 |
| Geico | $112 | $326 |
| American Family | $122 | $253 |
Young drivers are less experienced behind the wheel, which means they're more likely to get into an accident. That's why insurance is much more expensive for teens.
Cheapest car insurance quotes for young drivers after a ticket: State Farm
State Farm offers the best rates to young drivers in Idaho after a ticket. Minimum coverage from State Farm costs $60 per month — 59% cheaper than the state average of $145 per month.
Company | Monthly rate |
|---|---|
| State Farm | $60 |
| Farm Bureau | $68 |
| Auto-Owners | $79 |
| American Family | $127 |
| Geico | $131 |
Young Idaho drivers who get a speeding ticket will see their rates increase by an average of 18%. Fortunately, you won't have to pay these increased rates forever — speeding tickets usually stay on your record for just three years.
Cheapest car insurance for teen drivers after an accident: State Farm
State Farm has the cheapest quotes for young drivers in Idaho who have been in an at-fault accident. Minimum coverage is $66 per month from State Farm after a crash, which is $93 per month cheaper than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $66 |
| Auto-Owners | $79 |
| Farm Bureau | $89 |
| American Family | $127 |
| Geico | $145 |
Young drivers with an accident on their records pay some of the highest car insurance rates in Idaho. Minimum coverage rates for an 18-year-old Idaho driver increase by 29% after an at-fault accident to $159 per month.
Cheapest car insurance for married drivers in Idaho: State Farm
State Farm has the best rates for married drivers in Idaho at $43 per month for a full coverage policy.
Company | Monthly rate |
|---|---|
| State Farm | $43 |
| Auto-Owners | $59 |
| Geico | $87 |
| Farm Bureau | $92 |
| American Family | $94 |
Auto insurance quotes are usually cheaper for married drivers because they get into accidents less often, on average. Idaho drivers who are married pay $7 less per month on average for full coverage.
Best auto insurance companies in Idaho
Farm Bureau is the best-rated insurance company in Idaho when it comes to customer service.
The company's overall mix of dependable service, useful coverage options and affordable quotes make it an excellent option for car insurance in Idaho. Drivers can also find outstanding service with State Farm and USAA.
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| Farm Bureau | NR | A | |
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Auto-Owners | 837 | A++ | |
| Geico | 835 | A++ |
It's important for Idaho drivers to consider customer service reviews when shopping for a car insurance policy. When you choose an insurance company with excellent reviews, you can rest assured it will help you get back on the road quickly after an accident.
A company with poor reviews may take longer to investigate your claim, and you could pay more out of pocket for repairs.
Average car insurance cost in Idaho by city
Colburn is the most expensive city in Idaho for car insurance quotes, while Mountain Home is the cheapest.
In addition to credit score and driving history, insurance companies factor your location into your auto insurance quotes. Depending on where you live in Idaho, your rates can vary by as much as $22 per month.
Drivers in Mountain Home pay $86 per month for full coverage car insurance, on average. On the other hand, insurance costs around $108 per month for people living in Colburn.
City | Average monthly cost | Percent from average |
|---|---|---|
| Aberdeen | $99 | 0% |
| Ahsahka | $106 | 7% |
| Albion | $97 | -2% |
| Almo | $97 | -2% |
| American Falls | $97 | -2% |
Minimum requirements for auto insurance coverage in Idaho
Drivers in Idaho are required to have car insurance with a minimum of 25/50/15 of bodily injury liability and property damage liability limits.
Coverage | Limit |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $15,000 per accident |
Frequently asked questions
Who has the cheapest car insurance in Idaho?
State Farm has the cheapest minimum liability car insurance in Idaho at $16 per month. It also offers the most affordable full-coverage quotes at $43 per month.
How much does auto insurance cost in Idaho?
Minimum liability car insurance in Idaho costs an average of $34 per month, or $410 per year. Idaho drivers can expect to pay $99 per month, or $1,188 per year, for a full coverage policy.
Does Idaho accept electronic insurance cards?
Yes, Idaho accepts electronic proof of insurance. Idaho officers may also use an Online Insurance Verification System (OIVS) to verify that you have the minimum amount of insurance required.
Methodology
We collected thousands of rates from ZIP codes across Idaho for the state's largest insurance companies. Our sample driver was a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX, unless otherwise noted.
The base policy for the study was a full coverage policy with the following limits:
Coverage | Limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For our minimum coverage policy, we quoted a policy with the minimum required limits in Idaho. We also used minimum coverage in our sample quotes for younger drivers.
For other rates analyses (credit score, accident history and marital status) the base policy listed above was alternated to reflect the new driver.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.