The cheapest full coverage car insurance in Idaho is $76 , saving you $43 compared to the average cost of insurance in the state, which is around $119 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Idaho, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
- 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 policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Idaho by different insurance carriers for a full coverage policy.
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.
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Who pays the lowest auto insurance premiums in Idaho?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 6% less than single drivers.
- Idaho drivers with clean records pay 39% less than drivers who have a DUI on their records.
- 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
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
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 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Idaho
Idaho requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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
Below are the average annual rates from major insurance companies in Idaho, ranked from cheapest to the most expensive for the state minimum coverage.
| 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
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.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Idaho based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Idaho, drivers with a history of traffic violation pay an average of $362 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates after a speeding ticket in Idaho
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 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 $1,014 a year, followed by American Family with an annual premium of $1,188 annually, based on recent data.
Drivers with clean driving records can expect to pay an average of 39% less than those with a history of 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 companies in Idaho after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is Auto-Owners, at $799 a year.
On the other hand, State Farm offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,097 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Idaho cities with the lowest auto insurance rates
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.
Below is a list of cities in Idaho with the lowest auto 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 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on auto insurance in Idaho?
Shopping around for car insurance quotes in Idaho can help drivers save 36% annually on full coverage policies.
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 |
Final thoughts on cheap car insurance in Idaho
Based on our research, if you are a good driver, Auto-Owners is the cheapest in Idaho for a full coverage policy.
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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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Idaho