The cheapest car insurance in Idaho costs $76 per month for a full coverage policy from Auto-Owners. That’s a $43 savings from the average cost of insurance in the state, which is $119 a month.
“Drivers looking to get the cheapest insurance premiums in Idaho should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Idaho including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- According to recent data, Auto-Owners offers the cheapest full coverage car insurance in Idaho at $76 per month.
- Idaho drivers with a clean driving record pay 39% less for car insurance than drivers with a DUI.
- In Idaho, the city of Mountain Home has the most affordable car insurance rates at $1,247 annually.
- Comparing price quotes from multiple insurers can help you save up to 36% per year on your car insurance policy in Idaho.
Car insurance companies with cheap car insurance in Idaho
Auto-Owners has the cheapest full coverage car insurance in Idaho, at an average premium of $76 per month or around $916 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Idaho. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Idaho per month
| Company | Full coverage monthly rates |
|---|---|
| Auto-Owners | $76 |
| State Farm | $93 |
| GEICO | $98 |
| Travelers | $105 |
| Nationwide | $125 |
| Farmers | $134 |
| Farm Bureau | $138 |
| Allstate | $162 |
| Sentry Insurance | $196 |
| USAA* | $62 |
Note: USAA is only available to military community members and their families.
Idaho drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 6% less than single drivers.
- Idaho drivers with clean records pay 39% less than drivers who have a DUI on their record.
- Idaho drivers in their 20s pay 60% lower rates for insurance than a 16-year-old in Idaho.
- Adding a teen to your policy will cost you 77% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 35% less on their insurance premiums.
- Drivers insured for three or more years can save up to 15% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 5% for this state more on their premiums.
Cheapest Idaho companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Auto-Owners is the cheapest for a state minimum policy.
- Auto-Owners has the cheapest rates for a liability-only policy (50/100/50).
- Auto-Owners offers the cheapest car insurance for a full coverage policy (100/300/100) in Idaho.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Idaho
In Idaho, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $15,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists Idaho’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| Auto-Owners | $190 |
| GEICO | $201 |
| State Farm | $244 |
| Travelers | $323 |
| Farm Bureau | $337 |
| Farmers | $406 |
| Allstate | $484 |
| Sentry Insurance | $567 |
| Nationwide | $645 |
| USAA* | $170 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Idaho
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Idaho, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Auto-Owners | $252 |
| GEICO | $257 |
| State Farm | $322 |
| Travelers | $405 |
| Farm Bureau | $423 |
| Allstate | $517 |
| Farmers | $579 |
| Nationwide | $690 |
| Sentry Insurance | $748 |
| USAA* | $209 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in Idaho
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Idaho from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| Auto-Owners | $916 |
| State Farm | $1,120 |
| GEICO | $1,174 |
| Travelers | $1,263 |
| Nationwide | $1,505 |
| Farmers | $1,606 |
| Farm Bureau | $1,652 |
| Allstate | $1,945 |
| Sentry Insurance | $2,352 |
| USAA* | $742 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Idaho by driving history
In Idaho, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Idaho, drivers with a history of such violations typically pay $362 more annually than drivers with clean records.
Cheap car insurance rates in Idaho after a speeding ticket
A speeding ticket can impact your Idaho car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, GEICO has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $842 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| GEICO | $760 | $842 | 11% | $81 |
| Auto-Owners | $698 | $933 | 34% | $234 |
| State Farm | $932 | $1,014 | 9% | $83 |
| American Family | $1,141 | $1,188 | 4% | $47 |
| Travelers | $906 | $1,307 | 44% | $400 |
| Nationwide | $899 | $1,488 | 66% | $589 |
| Farmers | $1,377 | $1,720 | 25% | $343 |
| Allstate | $1,694 | $1,961 | 16% | $268 |
| USAA* | $696 | $878 | 26% | $181 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Idaho after a DUI conviction
Idaho drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $362 a year, followed by American Family with an annual premium of $1,188 annually, based on recent data.
If you have a clean record, you are likely to pay 39% less for car insurance than someone with a DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $932 | $1,014 | 9% | $83 |
| American Family | $1,141 | $1,188 | 4% | $47 |
| Travelers | $906 | $1,364 | 50% | $457 |
| Auto-Owners | $698 | $1,583 | 127% | $884 |
| Farmers | $1,377 | $1,764 | 28% | $388 |
| Nationwide | $899 | $1,994 | 122% | $1,095 |
| Allstate | $1,694 | $2,276 | 34% | $583 |
| GEICO | $760 | $2,337 | 207% | $1,577 |
| USAA* | $696 | $1,451 | 108% | $755 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates in Idaho after an at-fault accident
If you’re a driver with an at-fault accident on your record, Auto-Owners is the cheapest option, offering car insurance at an average cost of $799 annually.
State Farm is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,097.
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Auto-Owners | $698 | $799 | 14% | $101 |
| State Farm | $932 | $1,097 | 18% | $165 |
| American Family | $1,141 | $1,188 | 4% | $47 |
| GEICO | $760 | $1,250 | 64% | $489 |
| Travelers | $906 | $1,271 | 40% | $364 |
| Nationwide | $899 | $1,342 | 49% | $443 |
| Farmers | $1,377 | $1,987 | 44% | $610 |
| Allstate | $1,694 | $2,561 | 51% | $867 |
| USAA* | $696 | $1,020 | 46% | $324 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Idaho
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Idaho, Mountain Home stands out as the city with the lowest auto insurance rates, at an average of $1,247 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Idaho with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Mountain Home | $1,247 |
| Mountain Home AFB | $1,286 |
| Meridian | $1,306 |
| Glenns Ferry | $1,308 |
| Boise City | $1,309 |
| Hammett | $1,315 |
| Garden City | $1,321 |
| King Hill | $1,324 |
| Fruitland | $1,330 |
| Kuna | $1,332 |
Learn about the 10 most important factors that affect car insurance rates
Average savings on car insurance in Idaho
If you compare car insurance quotes, you could enjoy an annual saving of around 36% on a full coverage policy in Idaho.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Idaho: Save on premiums
Car insurance discounts in Idaho can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Idaho.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 1% | $7 |
| Anti-theft device | 1% | $9 |
| Daily commute | 8% | $95 |
| Days advanced purchase | 6% | $103 |
| Days per week driven | 5% | $65 |
| Education | 10% | $119 |
| Electronic funds transfer | 4% | $60 |
| Homeowner | 5% | $79 |
| Lower annual mileage | 6% | $59 |
| Loyalty – years renewal with company | 7% | $74 |
| Marital status | 6% | $78 |
| Multi policy | 8% | $108 |
| Paperless/electornic documents | 4% | $63 |
| Payment type | 9% | $135 |
| Primary use | 8% | $85 |
| Profession | 10% | $119 |
| Safety devices | 4% | $63 |
| Telematics | 15% | $115 |
| Years insured | 15% | $288 |
| Years licensed | 33% | $942 |
The bottom line on cheap auto insurance in Idaho
Based on our findings, Auto-Owners provides the cheapest rates for a full coverage policy in Idaho if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Idaho, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Idaho for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/15.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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