Cheap Idaho Car Insurance

Find affordable auto insurance that works for you in Idaho. Compare quotes from over 100 top companies.

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Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

Here's what you need to know when driving in Idaho

Across the Gem State, there are 98,132 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel. 


 

Affordable insurance companies in Idaho

What's the cheapest car insurance in Idaho?
RankCompany NameAvg. Annual Premium
1American National$522
2Travelers$693
3Auto-Owners$727
4USAA$776
5State Farm$876
6Oregon Mutual$972
7Allied$1,206
8Nationwide$1,243
9Progressive$1,250
10Safeco$1,452

Check out quotes from dozens of companies that provide coverage throughout Idaho. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Idaho

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Idaho drivers without a recent traffic ticket typically save 19% on their car insurance, on average — well above the national average of 17%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$24619.35%
No Accidents$46031.01%
Good Credit$91047.07%

 

Cheap auto insurance for young drivers in Idaho

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Idaho is a relatively affordable state for teen drivers: the typical teen driver pays $3,550 per year — about $1,400 less than the national average for teens, but still approximately three times the average for all Idaho drivers.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$2,792$5,816
17$2,659$5,130
18$2,671$4,565
19$2,298$2,470

 

Cheap auto insurance for bad drivers in Idaho

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 34% after a DUI, 31% after an at-fault accident, and 19% after a speeding ticket in Idaho. These post-incident rate hikes roughly align with national averages. If you have a clean recent driving history, be sure to inquire about your insurer's safe driver discount.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,48431.01%
DUI$1,56634.64%
Speeding Violation$1,26919.35%
Bad Credit$1,93447.07%

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Top rated car insurance companies in Idaho

Each and every car insurer brags about its cheap prices. But just like with any product, the cheapest auto insurance policy isn't always the best option. Considering the financial stakes, it's worthwhile to do the homework to obtain an insurance policy that covers your car completely after a collision. Work to find a great value, instead of settling for the most affordable auto insurance in Idaho.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AllstateAbove averageAverageSuperior4.3 / 5
Auto-OwnersExcellentAbove averageSuperiorN/A
American NationalN/AN/AN/AN/A
GEICOAverageAverageSuperior4.4 / 5
NationwideAbove averagePoorSuperior4.3 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
The HartfordExcellentAbove AverageAverageN/A
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 5

Idaho Auto Insurance Laws

In Idaho, drivers are required to carry liability coverage at or above the below minimum levels:

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $15,000 per accident

Optional coverage in Idaho (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

If you select the minimum required coverage in Idaho, expect to pay a mean of $404 per year. This outlay is cheaper than the national average by 39%. If you opt for higher-level car insurance coverage, you can purchase a policy with comprehensive and collision coverage, insuring against damages caused by auto collisions, theft, or weather conditions. But better insurance coverage comes at a cost: in Idaho, a comprehensive insurance policy with a $1,000 deductible costs $917, 127% more than basic liability-only coverage. For a comprehensive policy with a $500 deductible, you can expect to pay 153% more than for liability-only coverage.

Learn more about auto insurance laws in Idaho

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How tickets change insurance rates in Idaho

If you receive a ticket or citation, your auto insurance rates may go up. How much your rates rise depends on the type of violation, your car insurance company's pricing standards, and differences in local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at average car insurance rates in Idaho after some common violations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$1,68866%$670
Refused Breathalyzer/Chemical Test$1,60758%$589
DUI$1,60758%$589
Racing$1,51849%$499
Reckless Driving$1,56153%$542
Driving with a Suspended License$1,47745%$459
At-Fault Accident$1,44442%$426
Driving with an Open Container$1,49246%$473
Operating a Vehicle Without Permission$1,23421%$216
Passing a School Bus$1,32730%$309
Improper Passing$1,14312%$125
Following Too Closely$1,15614%$138
Speeding$1,25323%$235
Failure to Stop at a Red Light$1,15614%$138
Illegal Turn$1,14212%$124
Driving Wrong Way/Wrong Lane$1,14312%$125
Failure to Yield$1,22220%$204
Speeding in a School Zone$1,17015%$152
Driving Too Slowly$1,18516%$166
Distracted Driving$1,15614%$138
Driving with Expired Registration$1,0311%$13
Failure to Show Documents$1,0311%$13
Not-at-Fault Accident$1,0352%$16
Failure to Use Child Safety Restraint$1,0220%$3
Failure to Wear a Seat Belt$1,0826%$64
Driving Without Lights$1,0220%$3

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Idaho Car Insurance FAQs

How much does car insurance cost in Idaho?

Car insurance in Idaho is reasonably priced. For a full coverage six-month policy, drivers pay $512. This is nearly $200 cheaper than the national average for car insurance.

What is full coverage insurance in Idaho?

For drivers in Idaho, full coverage consists of collision and comprehensive. Depending on your deductible, your rate for this coverage ranges from $458 to $512.

Is Idaho an at-fault state?

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

How much does car insurance cost in Idaho cities?

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

RankCityAvg. Annual Premium
1Lewiston$1,201
2Idaho Falls$1,165
3Pocatello$1,146
4Twin Falls$1,117
5Caldwell$1,117
6Nampa$1,111
7Coeur d'Alene$1,098
8Post Falls$1,063
9Boise$1,044
10Meridian$1,040

 

Recent Questions:

Why does my premium change when I change my address?

Insurance is zip code specific - so moving from one zip code to another can cause your premium to change. Especially if you move into a more crowded urban area (like a downtown area) because there are new factors of risk your insurance company has to compensate for.
Jan 21, 2018 Pocatello, Idaho

Can my ex add me to their policy if I don't consent?

No. I would call the insurance company he has his policy and speak to a manager or customer service representative.
May 19, 2018 Frankfort, ID

What does Rate Lock mean, and can I make adjustments to collision and comprehensive deductibles?

"Rate Lock" is a term defined by the specific company that is offering that type of feature — I believe it's Erie that offers this. This feature will "lock in" your rate, even if you file a claim, until changes are made to your policy (i.e.
Aug 7, 2019 Meridian, ID

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

The word carrier in terms of insurance is just a synonym for company. An insurance carrier is the company that covers your vehicle and is listed on your policy.
Apr 15, 2016 Boise, ID

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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 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.