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?
Based on data analysis by CarInsurance.com, Auto-Owners provides the cheapest full coverage auto insurance rates for Idaho drivers at a monthly rate of $76 or $916 a year.
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.
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 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 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:
- 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 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 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
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
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.
Cheap car insurance rates after a DUI conviction in Idaho
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.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 39% less than drivers with a DUI on their record.
| 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.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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
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 companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
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 car insurance in Idaho?
By comparing car insurance quotes, you can save an average of 36% per year for a full coverage policy in Idaho.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
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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