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.
Which company offers the cheapest car insurance rates in Idaho?
Auto-Owners offers the cheapest car insurance rates in Idaho for a full coverage policy with an average premium of $76 per month or around $916 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Idaho.
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.
You might also be interested in
- Non-owner car insurance in Idaho: Find affordable rates
- Liability insurance for Idaho drivers
- Minimum car insurance requirements in Idaho
- Idaho car insurance calculator: Get estimates by ZIP code and model
- How much is car insurance for a 25-year-old in Idaho?
- Car insurance for high-risk drivers in Idaho
- Cheap car insurance for seniors in Idaho
- Car insurance discounts in Idaho; 12% potential savings
- How much does car insurance cost in Idaho?
Idaho drivers who pay lower insurance premiums
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 companies for different coverage levels in Idaho
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
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 insurance providers for liability-only coverage in Idaho
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Idaho, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $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 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 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
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 $362 more annually in Idaho than an individual with a clean driving record.
Cheap car insurance rates after a speeding ticket in Idaho
If you’ve got a speeding ticket on your Idaho driving record and need affordable car insurance, Geico might be the answer. With an average annual rate of $842 , Geico offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Idaho.
| 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
CarInsurance.com analyzed insurance rates for Idaho drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,014 . American Family is the second-cheapest insurer at an average of $1,188 per year.
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 rates after an at-fault accident in Idaho
Auto-Owners is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $799 .
State Farm is the second most affordable option, providing full-coverage car insurance with an average annual premium 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.
Cheapest car insurance rates by state
Please enter the correct format
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 Which cities in Idaho have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Idaho is Mountain Home, at $1,247 per year.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Idaho cities with the lowest 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 |
Explore the top 10 factors that influence car insurance rates
How much can you save 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 |
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.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Idaho, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Ask the Insurance Expert
John McCormick
Editorial Director
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.
Ask the Insurance Expert
Leslie Kasperowicz
Managing 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.
Ask the Insurance Expert
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