- According to recent data, State Farm offers the cheapest full coverage car insurance in Idaho at $109 per month.
- Idaho drivers with a clean driving record pay 77% less for car insurance than drivers with a DUI.
- In Idaho, the city of Meridian has the most affordable car insurance rates at $1,661 annually.
- Comparing price quotes from multiple insurers can help you save up to 31% per year on your car insurance policy in Idaho.
The cheapest car insurance in Idaho costs $109 per month for a full coverage policy from State Farm. That’s a $49 savings from the average cost of insurance in the state, which is $158 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.
Which company offers the cheapest car insurance in Idaho?
State Farm offers the cheapest car insurance rates in Idaho for a full coverage policy with an average premium of $109 per month or around $1,313 per year, based on CarInsurance.com’s rate analysis.
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 |
|---|---|
| State Farm | $109 |
| GEICO | $113 |
| Travelers | $136 |
| Auto-Owners | $138 |
| Farmers | $144 |
| Nationwide | $151 |
| Farm Bureau Insurance of Idaho | $185 |
| Allstate | $211 |
| Dairyland | $240 |
Who pays the lowest auto insurance premiums in Idaho?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 6% less than single drivers.
- Idaho drivers with clean records pay 77% less than drivers who have a DUI on their record.
- Idaho drivers in their 20s pay 56% lower rates for insurance than a 16-year-old in Idaho.
- Adding a teen to your policy will cost you 60% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 23% less on their insurance premiums.
- Drivers insured for three or more years can save up to 19% 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 8% for this state more on their premiums.
Cheapest companies for different coverage levels in Idaho
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.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- GEICO is the cheapest for a state minimum policy.
- GEICO has the cheapest rates for a liability-only policy (50/100/50).
- State Farm offers the cheapest car insurance for a full coverage policy (100/300/100) in Idaho.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest state minimum coverage in Idaho
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Idaho, you must have at least the following insurance coverage on your car.
| 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, you’ll see average annual rates for major insurance providers in Idaho, ranked from cheapest to most expensive for state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| GEICO | $312 |
| State Farm | $396 |
| Auto-Owners | $418 |
| Travelers | $503 |
| Farmers | $536 |
| Farm Bureau Insurance of Idaho | $591 |
| Allstate | $693 |
| Dairyland | $881 |
| Nationwide | $1,018 |
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 |
|---|---|
| GEICO | $356 |
| State Farm | $471 |
| Auto-Owners | $489 |
| Travelers | $540 |
| Farmers | $578 |
| Allstate | $694 |
| Farm Bureau Insurance of Idaho | $710 |
| Nationwide | $865 |
| Dairyland | $1,043 |
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 |
|---|---|
| State Farm | $1,313 |
| GEICO | $1,360 |
| Travelers | $1,626 |
| Auto-Owners | $1,661 |
| Farmers | $1,723 |
| Nationwide | $1,811 |
| Farm Bureau Insurance of Idaho | $2,225 |
| Allstate | $2,536 |
| Dairyland | $2,885 |
Learn more about who has the cheapest full coverage auto insurance
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Cheapest car insurance in Idaho, by driving history
Your driving history affects how much you pay for insurance in Idaho because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $953 more annually in Idaho than an individual with a clean driving record.
Cheap car insurance in Idaho after a speeding ticket
If you have a speeding ticket on your Idaho driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,419 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,313 | $1,419 | 8% | $106 |
| GEICO | $1,360 | $1,506 | 11% | $146 |
| Travelers | $1,626 | $2,179 | 34% | $553 |
| Farmers | $1,723 | $2,336 | 36% | $613 |
| Auto-Owners | $1,661 | $2,506 | 51% | $845 |
| Allstate | $2,536 | $2,947 | 16% | $411 |
| Nationwide | $1,811 | $3,068 | 69% | $1,257 |
| Dairyland | $2,885 | $4,539 | 57% | $1,654 |
Cheapest car insurance in Idaho after a DUI conviction
State Farm offers the cheapest car insurance to Idaho drivers with a DUI conviction at $1,419 per year and Travelers has the second-cheapest insurance premiums at $2,275 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 77% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,313 | $1,419 | 8% | $106 |
| Travelers | $1,626 | $2,275 | 40% | $649 |
| Farmers | $1,723 | $2,397 | 39% | $674 |
| Allstate | $2,536 | $3,429 | 35% | $893 |
| Dairyland | $2,885 | $3,770 | 31% | $885 |
| Auto-Owners | $1,661 | $3,805 | 129% | $2,144 |
| GEICO | $1,360 | $4,142 | 205% | $2,782 |
| Nationwide | $1,811 | $4,153 | 129% | $2,342 |
| Farm Bureau Insurance of Idaho | $2,225 | $4,868 | 119% | $2,643 |
Cheap car insurance rates after an at-fault accident in Idaho
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,540 .
Travelers is the second most affordable option, providing full-coverage car insurance with an average annual premium of $2,158 .
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 |
|---|---|---|---|---|
| State Farm | $1,313 | $1,540 | 17% | $227 |
| Travelers | $1,626 | $2,158 | 33% | $532 |
| GEICO | $1,360 | $2,223 | 63% | $863 |
| Auto-Owners | $1,661 | $2,475 | 49% | $814 |
| Farmers | $1,723 | $2,544 | 48% | $821 |
| Farm Bureau Insurance of Idaho | $2,225 | $2,900 | 30% | $675 |
| Nationwide | $1,811 | $3,230 | 78% | $1,419 |
| Allstate | $2,536 | $4,091 | 61% | $1,555 |
| Dairyland | $2,885 | $4,906 | 70% | $2,021 |
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, Meridian stands out as the city with the lowest auto insurance rates, at an average of $1,661 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 |
|---|---|
| Meridian | $1,661 |
| Boise City | $1,682 |
| Caldwell | $1,706 |
| Nampa | $1,740 |
| Twin Falls | $1,816 |
| Post Falls | $1,881 |
| Coeur d’Alene | $1,896 |
| Pocatello | $1,925 |
| Idaho Falls | $1,942 |
| Rexburg | $1,960 |
Learn about the 10 most important factors that affect 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 31% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Idaho: Save on premiums
Idaho drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Idaho.
| Discount type | % difference | $ difference |
|---|---|---|
| Air Bags | 5% | $91 |
| Anti-Theft Device | 1% | $14 |
| Comp and Coll Deductibles | 17% | $320 |
| Daily Commute | 8% | $154 |
| Days Advanced Purchase | 8% | $153 |
| Days Per Week Driven | 5% | $96 |
| Education | 10% | $181 |
| Electronic Funds Transfer | 3% | $54 |
| Homeowner | 5% | $100 |
| Lower Annual Mileage | 9% | $178 |
| Loyalty – Years Renewal With Company | 7% | $139 |
| Marital Status | 6% | $119 |
| Multi Policy | 8% | $147 |
| Paperless/Electornic Documents | 3% | $58 |
| Payment Type | 9% | $166 |
| Primary Use | 9% | $163 |
| Profession | 10% | $181 |
| Safety Devices | 4% | $83 |
| Student Away At School | 15% | $284 |
| Telematics | 8% | $148 |
| Years Insured | 18% | $342 |
| Years Licensed | 34% | $648 |
The bottom line on cheap car insurance in Idaho
Based on our research, if you are a good driver, State Farm is the cheapest in Idaho for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Idaho is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates 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.
*USAA is only available to military community members and their families.
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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