Car Insurance in Idaho

  • American Family offers the cheapest full coverage auto insurance in ID
  • Compare the cheapest car insurance quotes in ID from GEICO, Allstate, and Nationwide (+ other top companies)
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About The Zebra's recommendations

The Zebra’s product features real quotes from some of the companies we review. However, our content and reviews are unbiased and never commissioned-based.

Reference our editorial standards or learn more about how we make money.

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Ross Martin

Insurance Writer

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

Credentials
  • 5+ years in the Insurance Industry
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Kristine Lee

Insurance Analyst

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 5+ years of Experience in the Insurance Industry

Car insurance quotes in Idaho

The average car insurance rate in Idaho is $731 per year — 33% cheaper than the U.S. average.[1] While our data shows 38% of Idaho drivers feel they're paying too much for car insurance, many are willing to pay a little extra for better customer service and flexible coverage options that meet their specific needs.[2] In a state where the cost of living is lower, having that peace of mind can be essential.

The Zebra's experts analyzed average Idaho car insurance rates for these rating factors to help you find an affordable policy. Read on to learn how much auto insurance costs in Idaho based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.

Cheapest liability coverage in ID
Cheapest liability coverage in ID
Best customer service in ID
Best customer service in ID
The Zebra's Recommendation for best car insurer — American Family
Best car insurance in ID — overall
Cheapest full coverage in ID
Cheapest full coverage in ID

*Note: USAA offers the cheapest rates in Idaho, but it's excluded from our list due to their strict eligibility guidelines. The Zebra focuses on providers accessible to most consumers. If you're eligible for USAA, it's an excellent choice.


Cheap liability insurance in Idaho

You can save a significant amount by choosing the minimum level of liability coverage required to drive legally in Idaho, but it can leave you at risk. In Idaho, the average cost for minimum coverage is $235 for a 6-month policy.[1] According to our data, 39% of Idaho drivers choose to insure their vehicles with liability coverage only.[2]

The Idaho Department of Insurance mandates minimum liability limits of 25/50/15, meaning $25,000 per person and $50,000 per accident for bodily injury, along with $15,000 for property damage per accident. While this meets the state’s legal requirements, many drivers consider additional coverage to protect against Idaho’s unpredictable road conditions and wildlife encounters.

Cheapest liability coverage in ID

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
USAA $116 $19
GEICO $180 $30
State Farm $225 $37
Farmers $237 $39
American Family $245 $41
Allstate $285 $48
Nationwide $358 $60

Source: The Zebra

The Zebra’s auto insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism or weather incidents. But better coverage comes with a cost: in Idaho, a six-month comprehensive insurance policy with a $1,000 deductible costs $731, significantly more than liability-only car insurance.

Ross Martin - Insurance writer and content manager at The Zebra
Zebra tip: Is the required liability insurance in Idaho enough?

Minimum liability limits in Idaho are on par with most other states, but that doesn't mean that they provide enough coverage. Limits of 25/50/15 may not be enough to fully cover you if you cause an accident. As such, we at The Zebra suggest increasing your liability limits to at least 50/100/50, or higher if you can comfortably afford it. Learn more about car insurance requirements in the state of Idaho with our helpful guide.

Ross Martin - Insurance writer and content manager at The Zebra

Cheapest liability & full coverage quotes in Idaho

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Company Liability Coverage Full Coverage
USAA $116 $394
State Farm $146 $608
GEICO $174 $703
Allstate $219 $1,029
Farmers $229 $801
Nationwide $229 $666
American Family $235 $600

Source: The Zebra


What are the best car insurance companies in Idaho?

We named American Family as the best overall option for most Idaho drivers. This is due to the company's strong reputation for customer service and generally affordable rates. In the Northwest region, American Family scored highly in J.D. Power's Customer Satisfaction Survey.[3]

American Family logo
Overall best car insurance in Idaho — American Family

In Idaho, American Family Insurance is known for its personalized service through local agents and a range of discounts, making it a strong choice for many drivers. However, some Idaho customers find their base premiums higher compared to national competitors. While the KnowYourDrive program offers discounts for safe driving, it has raised concerns over privacy due to tracking. The company has a solid financial standing, ensuring reliable claims payout, though there have been occasional reports of delays in complex claims.[4]

Pros
  • Robust coverage options

  • Great customer service reputation

  • Wide availability of agents

  • Affordable rates for most drivers

  • The "KnowYourDrive" telematics program

Cons
  • Limited availability: not available in all 50 states

  • Mixed reviews on claims handling

  • No mileage-based policies available yet

  • Costs can be higher for certain drivers

Best car insurance in Idaho — honorable mentions

To determine the best companies, we looked at J.D. Power Auto ratings and consumer reviews we collected from nearly 3000 drivers across Idaho and the US. Have a look at these other great options if you a driver in Idaho.

Best car insurance companies in ID

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
USAA $389 $65
State Farm $693 $115
GEICO $719 $120

Source: The Zebra

How did we pick what company has the "Best Value" in Idaho?

The author's recommendation for "best value" is based on:

  • The Zebra's 2024 Customer Satisfaction Survey
  • J.D. Power's 2024 Regional Customer Satisfaction Study
  • Each company's average cost of car insurance in Idaho
  • Available coverage options
  • The author's 5+ years of insurance industry experience

Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.

For more information, see our editorial standards page.

Compare car insurance rates from the best companies in Idaho.

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Cheap full coverage insurance in Idaho

In 2025, full coverage insurance in Idaho costs an average of $731 for a 6-month policy. As peace of mind is a priority for many drivers, it's no surprise that 61% of The Zebra's Idaho customers opt to receive quotes for full coverage insurance.[2] In a state known for its scenic drives and rugged landscapes, having comprehensive protection is a smart choice to safeguard against Idaho's unpredictable road conditions and weather.

While it's certain to be more expensive than liability-only coverage, Idaho drivers looking for affordable full coverage rates should start by looking at USAA, American Family and State Farm

Full coverage quotes in ID

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
USAA $389 $65
American Family $629 $105
State Farm $693 $115
GEICO $719 $120
Farmers $801 $133
Nationwide $803 $134
Allstate $1,037 $173

Source: The Zebra


How have car insurance costs in Idaho changed?

In recent years, Idaho's auto insurance premiums have fluctuated, with notable declines in 2022 and 2024. After peaking in 2017 at $1,796, premiums began to drop, especially with a sharp decrease in 2018. While rates rebounded in 2020 and 2021, they have mostly remained below 2017 levels, with 2024 showing a significant $120 drop, bringing the average annual premium down to $1,224. This suggests a trend toward more affordable rates in the state over the last few years.

Car insurance costs in Idaho since 2015
Year Avg. Annual Premium Yearly Change
2024 $1,224 -$120
2023 $1,344 $147
2022 $1,197 -$141
2021 $1,338 $82
2020 $1,256 $93
2019 $1,163 $94
2018 $1,069 -$727
2017 $1,796 $234
2016 $1,562 -$323
2015 $1,885 $216

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.

Find an affordable policy in Idaho in minutes!

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Idaho auto insurance quotes after an accident or ticket

Your driving history has a major impact on your insurance rates. Companies assess many individual factors, including your past accidents where you were at fault, to determine the risk you present as a customer. If you've had an at-fault accident recently, your annual premium could jump to as much as $2,142, reflecting the added risk insurers associate with your driving record.

Best insurance companies in ID after an accident

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
USAA $548 $91
State Farm $802 $134
GEICO $1,016 $169
American Family $1,028 $171
Farmers $1,145 $191
Nationwide $1,192 $199
Allstate $1,507 $251

Source: The Zebra

Zebra tip: Don't forget about claims satisfaction

Ideally, you'll never need your insurance, but if you do, a stress-free experience is crucial. In our 2024 Customer Satisfaction Survey, we gauged satisfaction among those who filed claims. American Family emerged as a great choice and is worth considering if you live in Texas.

In Idaho, a poor driving record can send your insurance rates soaring. A traffic ticket or violation will likely lead to higher premiums, though the exact increase depends on the type of offense, your insurer’s pricing policies, and local factors. Idaho's insurance rates may differ from the national average due to unique regional risks and regulations. Below are the average auto insurance rates in Idaho after common driving infractions.

Idaho auto insurance quotes by violation

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Accident/Violation Avg. Annual Premium $ Rate Increase
None $1,463 $0
One Med/PIP claim $1,472 $9
Not-at-fault accident $1,508 $45
One comp claim $1,558 $95
Failure to wear a seat belt $1,585 $122
Two Med/PIP claims $1,588 $125
Child safety restraint $1,686 $223
Driving without lights $1,686 $223
Two comp claims $1,698 $235
Failure to show documents $1,719 $255
Texting while driving $1,748 $285
Cell phone violation $1,748 $285
Following too closely $1,748 $285
Driving with expired registration $1,749 $286
Illegal turn $1,750 $286
Wrong way/wrong lane $1,752 $289
Speeding 6 - 10 MPH over limit $1,764 $301
Speeding 11 - 15 MPH over limit $1,765 $302
Failure to yield $1,768 $304
Driving too slowly $1,769 $306
Failure to stop at a red light $1,777 $314
Improper passing $1,786 $322
Speeding 16 - 20 MPH over limit $1,788 $325
In 65 MPH zone $1,794 $331
Speeding in school zone $1,802 $339
Speeding 21 - 25 MPH over limit $1,828 $365
Open container $1,947 $484
At-fault accident - less than $1000 $1,955 $491
Passing school bus $2,007 $544
Operating a vehicle without permission $2,028 $565
At-fault accident - $1000-$2000 $2,142 $679
At-fault accident - greater than $2000 $2,142 $679
Driving with a suspended license $2,356 $893
Reckless driving $2,361 $898
Refusal to submit to a chemical test $2,390 $927
Racing $2,454 $990
DUI $2,455 $992
Leaving scene of an accident/hit and run $2,524 $1,061

Source: The Zebra

The Zebra's guide to Idaho car insurance laws for high-risk drivers

Certain violations, like a DUI or driving without insurance, can result in more serious insurance consequences in Idaho. These offenses may lead to higher premiums, coverage restrictions, or even difficulty finding an insurer. For a closer look at Idaho’s car insurance laws and requirements, check out our comprehensive guide below.

Idaho DUI laws

In Idaho, a DUI offense can increase your annual car insurance premium by an average of 65%. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing or reckless driving.

 
Low-cost car insurance after a DUI in Idaho

If you're convicted of a DUI or DWI violation in Idaho, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Idaho, State Farm, advertises annual rates 37% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Idaho is Auto-Owners, while the priciest firm is Nationwide, with prices 27% above average.

Idaho car insurance quotes with a DUI

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
USAA $822 $137
American Family $835 $139
State Farm $960 $160
Farmers $1,085 $181
Allstate $1,247 $208
GEICO $1,336 $223
Nationwide $1,543 $257

Source: The Zebra

There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.

Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.

Learn more about car insurance and DUI infractions.

Idaho SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Idaho to ensure that you remain insured.

Finding cheap auto insurance with an SR-22 in Idaho might require some research, but it could pay off in the end.

 

How to acquire an SR-22 in Idaho

For currently insured drivers

If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company and ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.

 

For uninsured drivers

When filing for a new policy, you might be saddled with an upfront fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

 

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.

Find your best value insurance match with The Zebra.

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Cheap auto insurance for teens and young drivers in Idaho

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Idaho, teen drivers pay especially high rates: $4,852 per year — $3,323 more than the nationwide average and over three times as much as a 30-year-old Idaho driver.

Cheapest car insurance quotes for young drivers in ID

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
USAA $1,611 $268
American Family $1,679 $280
GEICO $1,825 $304
Nationwide $2,296 $383
State Farm $2,467 $411
Allstate $2,978 $496
Farmers $3,666 $611

Source: The Zebra

Top companies in ID for Teens
Filter by:

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
Farmers $4,815 $803
Allstate $3,464 $577
State Farm $3,294 $549
Nationwide $2,563 $427
USAA $2,439 $407
American Family $2,161 $360
GEICO $2,135 $356

Source: The Zebra

Zebra tip: 3 smart strategies to lower insurance rates for young drivers

  • Complete a defensive driving course for discounts.
  • Pick a safe, budget-friendly car over pricey models.
  • Stay on a parent’s policy to score lower rates.

 


Car insurance in popular Idaho cities

Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Mountain Home and the most expensive is in Eastport, Idaho.

Have a look at the table below to see average car insurance costs in some of Idaho's biggest cities.

Auto insurance quotes in Idaho's biggest cities

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City Avg. 6 Mo. Premium Avg. Monthly Premium
Boise City $663 $111
Meridian $667 $111
Nampa $707 $118
Caldwell $718 $120
Idaho Falls $748 $125

Source: The Zebra


Idaho car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Idaho auto insurance.

Car insurance in Idaho is reasonably priced. For a full coverage six-month policy, drivers pay $731 on average. This is nearly 33% cheaper than the national average for car insurance.

For drivers in Idaho, full coverage consists of collision and comprehensive. Depending on which company you choose, your six-month rate for this coverage could range from $629 to $1,037.

Idaho is not a no-fault state. You are required to pay for bodily injury damage you cause in an at-fault accident.

Idaho requires drivers to have liability car insurance with the following minimums:

  • $25,000 for bodily injury per person,
  • $50,000 for bodily injury per accident,
  • $15,000 for property damage per accident.

This ensures that drivers are covered for damages or injuries they cause to others in an accident.

Save money on your next car insurance policy!

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Sources:
  1. Data Methodology. The Zebra’s Dynamic Insurance Rating Tool

  2. Anonymized User Surveys. The Zebra

  3. J.D. Power. 2024 U.S. Auto Insurance Study

  4. 2024 Customer Satisfaction Survey. The Zebra

RECENT QUESTIONS ABOUT CAR INSURANCE IN ID

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What's the difference between an insurance carrier and an insurance agency?

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.