The Best and Cheapest Car Insurance Quotes in Idaho in 2024
State Farm had the best cheap car insurance in Idaho, at $54 per month for full coverage.
Find Cheap Car Insurance Quotes in Idaho
Best cheap car insurance companies in Idaho
How we chose the top companies
Best and cheapest car insurance in Idaho
- Cheapest full coverage: State Farm, $54/mo
- Cheapest minimum liability: State Farm, $19/mo
- Cheapest for young drivers: State Farm, $64/mo
- Cheapest after a ticket: State Farm, $58/mo
- Cheapest after an accident: State Farm, $63/mo
- Cheapest for teens after a ticket: Farm Bureau, $68/mo
- Cheapest after a DUI: Travelers, $158/mo
- Cheapest for poor credit: State Farm, $106/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm, Auto-Owners and Farm Bureau offer the best combination of affordable rates and reliable customer service in Idaho.
Of the three companies, State Farm is the only one that offers online quotes. That makes it the best choice for Idaho drivers looking to compare rates quickly. To get a quote from Auto-Owners or Farm Bureau, you'll have to contact a local agent.
Cheapest car insurance in Idaho: State Farm
State Farm has the cheapest car insurance quotes in Idaho for full coverage. Coverage from State Farm costs $54 per month — 48% less than the state average.
Full coverage car insurance in Idaho costs $102 per month, or $1,227 per year, on average.
Find Cheap Car Insurance Quotes in Idaho
Cheapest Idaho car insurance companies
Company | Monthly rate | |
|---|---|---|
| State Farm | $54 |
| Auto-Owners | $82 |
| Farm Bureau | $93 |
| Geico | $97 |
| Travelers | $115 |
*USAA is only available to current and former military members and their families.
Cheapest liability-only 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 $19 per month, which is 45% cheaper than the state average.
The average cost of car insurance in Idaho is $34 per month, or $413 per year, for minimum liability.
Drivers who are affiliated with the military can also find cheap car insurance with USAA, where a minimum coverage policy costs $20 per month, on average. That's only $1 per month more expensive than State Farm, and USAA's customer service is the best in the state. But only people who have served in the military or have a parent or spouse with USAA coverage are eligible.
Cheapest Idaho car insurance companies
Company | Monthly rate |
|---|---|
| State Farm | $19 |
| Auto-Owners | $26 |
| Geico | $30 |
| Farm Bureau | $31 |
| Travelers | $43 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Idaho
Cheapest car insurance quotes for young drivers in Idaho: State Farm
State Farm has the cheapest car insurance quotes for 18-year-old drivers in Idaho, at $64 per month for minimum coverage.
On average, young drivers in Idaho pay $130 per month for minimum coverage car insurance — more than three and a half 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 $166 per month, which is 52% cheaper than the Idaho state average.
Cheapest Idaho car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $64 | $166 |
| Farm Bureau | $68 | $204 |
| Auto-Owners | $92 | $234 |
| Geico | $118 | $344 |
| Travelers | $133 | $314 |
Younger drivers pay much more for car insurance because they're more likely to be involved in crashes and make claims. But the cost of insurance drops quickly as you age, as 20-year-olds pay about 32% less than 18-year-olds for the same coverage
Cheapest car insurance for people with a speeding ticket: State Farm
Drivers in Idaho with a speeding ticket on their records can find the cheapest auto insurance quotes with State Farm, which charges $58 per month. That's 53% less than the Idaho state average of $122.
Cheapest car insurance in Idaho after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $58 |
| Auto-Owners | $82 |
| Farm Bureau | $93 |
| Geico | $126 |
| Travelers | $138 |
Speeding tickets raise your rate by an average of 20%, or $20 per month, in Idaho.
Cheapest insurance 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 $63 per month for full coverage on average, which is the cheapest option by far. It's 58% less than the state average and 48% less than the next-cheapest company, Auto-Owners.
Cheapest car insurance in Idaho after an accident
Company | Monthly rate |
|---|---|
| State Farm | $63 |
| Auto-Owners | $121 |
| Farm Bureau | $122 |
| Travelers | $152 |
| Geico | $184 |
Average rates in Idaho increase by 47% after an at-fault accident. That means a single accident can cost you $583 more per year.
Cheapest car insurance for young drivers after a ticket or accident: Farm Bureau
Farm Bureau has the best rates for a younger Idaho driver after a speeding ticket. The company doesn't increase prices for an 18-year-old after one ticket, so coverage costs just $68 per month for a liability-only policy.
State Farm has the best rates for a younger driver after an at-fault crash, at $77 per month.
Both Farm Bureau and State Farm's prices were less than half the typical price for a teen driver after a ticket or at-fault crash. The average price for a young driver in Idaho after a speeding ticket is $156 per month, while the average after an at-fault crash is $177.
Cheap car insurance for 18-year-olds after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $68 | $89 |
| State Farm | $70 | $77 |
| Auto-Owners | $107 | $148 |
| Geico | $137 | $153 |
| Travelers | $165 | $188 |
Cheapest car insurance for drivers with a DUI: Travelers
Travelers has the most affordable coverage for Idaho drivers with a DUI on their record. Full coverage from Travelers costs $158 per month, which is 25% cheaper than the average rate for drivers with a DUI.
Company | Monthly rate |
|---|---|
| Travelers | $158 |
| Auto-Owners | $184 |
| Farm Bureau | $205 |
| Allstate | $206 |
| Farmers | $220 |
Driving under the influence (DUI) raises rates more than any other driving incident. Quotes for drivers with a DUI more than doubled, compared to a 47% increase for an at-fault accident and 20% for a speeding ticket.
Cheapest car insurance for drivers with poor credit: State Farm
State Farm has the most affordable auto insurance for drivers with bad credit in Idaho. At $106 per month, full coverage from State Farm is 38% cheaper than the state average of $172 per month.
Company | Monthly rate |
|---|---|
| State Farm | $106 |
| Geico | $139 |
| Farm Bureau | $141 |
| Travelers | $171 |
| Auto-Owners | $193 |
A poor credit score doesn't mean you're a bad driver, but insurance companies consider it when setting your rates because people with lower credit scores make claims more often. In Idaho, drivers with bad credit pay 68% more than drivers with good credit.
Best auto insurance companies in Idaho
Farm Bureau is the best-rated insurance company in Idaho for its 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. However, only people affiliated with the military can get coverage from USAA.
Company |
Editor's rating
|
JD 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 are more likely to get back on the road quickly after an accident.
A company with poor reviews may take longer to investigate your claim, or be less generous with its settlement offers.
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.
Drivers in Colburn, a small village in the northern part of the state, pay an average of $113 per month. That's 29% more expensive than in Mountain Home, the cheapest city for car insurance in Idaho. Residents there pay an average of just $88 per month.
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, average rates can vary by as much as $25 per month.
City | Monthly Rate | % from average |
|---|---|---|
| Aberdeen | $101 | -1% |
| Ahsahka | $111 | 9% |
| Albion | $100 | -2% |
| Almo | $99 | -3% |
| American Falls | $100 | -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 |
What's the best car insurance coverage for Idaho drivers?
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.
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.
Most drivers should get full coverage car insurance because it will help you avoid expensive repairs after an at-fault accident: it will pay for the cost of damage to your car.
Frequently asked questions
Who has the cheapest car insurance in Idaho?
State Farm has the cheapest minimum liability car insurance in Idaho at $19 per month. It also offers the most affordable full-coverage quotes at $54 per month.
How much does auto insurance cost in Idaho?
Minimum liability car insurance in Idaho costs an average of $34 per month, or $413 per year. Idaho drivers can expect to pay $102 per month, or $1,227 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
ValuePenguin editors 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:
- $50k of bodily injury liability coverage per person, and $100k per accident
- $25k of property damage liability
- $50k of bodily injury uninsured motorist coverage per person, and $100k per accident
- $25k of uninsured motorist coverage for property damage
- Collision and comprehensive coverage with a $500 deductible
For minimum coverage quotes, our experts used a policy with the minimum required limits in Idaho.
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.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.