Car Insurance in Idaho
- American National offers the cheapest liability at $25/mo.
- American National has the cheapest full coverage at $82/mo.
Enter your ZIP code to start your search for Idaho car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Idaho at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Drew joined The Zebra as a Senior Content Specialist in 2026, bringing more than a decade of content writing and research experience to help develop …
Credentials
- SEO Copywriting Certification — SEO Content Institute
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in Idaho
The average car insurance rate in Idaho is $836 for a six-month policy — 28% cheaper than the U.S. average.[1] But don’t be fooled — your location is just one piece of the puzzle. Car insurance rates in Idaho are shaped by a variety of factors, including your age and driving history.
According to our data, 48% of Idahoans believe they’re overpaying for car insurance.[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options.
Cheapest liability coverage in ID
- American National offers the cheapest liability coverage in Idaho at $25/mo.
Best customer service in ID
- State Farm scored 667 in JD Power's latest study — the highest in Idaho.[3]
Cheapest full coverage in ID
- American National offers the cheapest full coverage in Idaho at $82/mo.
*While USAA offers the cheapest rates in Idaho, it’s excluded as our top choice due to its strict eligibility guidelines. The Zebra focuses on providers accessible to the most consumers. If you’re eligible for USAA, it’s an excellent choice.
Cheap liability insurance in Idaho
The average cost for liability insurance in Idaho is $273 for a 6-month policy.[1] For our user profile, American National offers the most affordable liability insurance options in the state.
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 full coverage insurance policy with a $500 deductible costs $836, considerably more than liability-only car insurance.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $134 | $22 |
| American National | $150 | $25 |
| GEICO | $185 | $31 |
| Auto-Owners | $212 | $35 |
| Travelers | $226 | $38 |
| State Farm | $235 | $39 |
| Farmers | $236 | $39 |
| Allstate | $316 | $53 |
| American Family | $362 | $60 |
| Nationwide | $429 | $71 |
| Oregon Mutual | $615 | $103 |
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.
According to our data, 35% of Idaho drivers carry only the state-required liability coverage.[2] In Idaho, the law mandates minimum liability limits of 25/50/15. Learn more about car insurance requirements in the state of Idaho with our helpful guide.
If you buy auto insurance in Idaho, your policy will automatically include uninsured and underinsured motorist (UM/UIM) coverage unless you specifically decline it in writing.[4] This rule helps protect you if you're injured by a driver who has no insurance or doesn't carry enough liability coverage to pay for your damages. If your insurer doesn't obtain a valid written rejection, the coverage generally remains part of your policy. Because medical bills can quickly exceed Idaho's minimum liability limits, keeping UM/UIM coverage can provide valuable financial protection after a serious crash.
Renata Balasco, licensed agent and insurance writer at The Zebra
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| Company | Liability Coverage | Full Coverage |
|---|---|---|
| USAA | $134 | $456 |
| Travelers | $226 | $631 |
| State Farm | $235 | $725 |
| Sentry | $337 | $888 |
| Oregon Mutual | $615 | $2,363 |
| Nationwide | $429 | $999 |
| MetLife | $466 | $1,227 |
| Grange | $241 | $901 |
| GEICO | $185 | $722 |
| Farmers | $236 | $800 |
| Auto-Owners | $212 | $680 |
| American National | $150 | $490 |
| American Family | $362 | $1,054 |
| Allstate | $316 | $1,078 |
| Allied | $488 | $1,003 |
Source: The Zebra
What are the best car insurance companies in Idaho?
We’ve named State Farm as Idaho's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national scale.
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Cheap full coverage insurance in Idaho
In 2026, the average cost of full coverage insurance in Idaho is $836 for a six-month policy. Full coverage is a popular choice here, with 65% of The Zebra’s Idaho customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from American National — they’re known for offering some of the most competitive rates in the state.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $456 | $76 |
| American National | $490 | $82 |
| Travelers | $631 | $105 |
| GEICO | $722 | $120 |
| State Farm | $725 | $121 |
| Farmers | $800 | $133 |
| Nationwide | $999 | $167 |
| American Family | $1,054 | $176 |
| Allstate | $1,078 | $180 |
| Oregon Mutual | $2,363 | $394 |
Source: The Zebra
Local insights
Drivers near you in Idaho weigh in
"I hit a deer and was the hospital for 3 days afterward. I had GEICO and it was fine."
-Reddit user on r/Idaho
"I’m in Boise and ended up going with GEICO. They were noticeably cheaper than most of the other quotes I got and the coverage options were pretty flexible."
-Reddit user on r/Idaho
Compare car insurance rates from the best companies in Idaho.
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 Boise City, Idaho and the most expensive in Idaho Falls, Idaho.
Have a look at the table below to see average car insurance costs in some of Idaho's biggest cities.
Source: The Zebra
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Source: The Zebra
Real people. Real help. Right here.
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive where she spe…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
With over 6 years of industry experience spanning commercial and personal insurance lines, Nicholas is a dedicated insurance professional lending his…
Credentials
- Licensed Insurance Agent — Property and Casualty
Idaho auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Idaho. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Idaho insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
The Zebra's guide to Idaho car insurance laws for high-risk drivers
For high-risk drivers in Idaho with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Idaho's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
Idaho DUI laws
In Idaho, a DUI offense can increase your annual car insurance premium substantially. 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. Check out the table below to see average rates by top insurers in Idaho.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $831 | $138 |
| American Family | $834 | $139 |
| Travelers | $855 | $143 |
| State Farm | $1,011 | $168 |
| Farmers | $1,085 | $181 |
| Allstate | $1,295 | $216 |
| GEICO | $1,352 | $225 |
| Auto-Owners | $1,516 | $253 |
| Oregon Mutual | $1,568 | $261 |
| Nationwide | $2,185 | $364 |
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.
Idaho SR-22 laws
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 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 up-front 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 an affordable policy in Idaho in minutes!
How have car insurance costs in Idaho changed?
Idaho’s auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — Idaho |
|---|---|
| 2026 | $1,673 |
| 2025 | $1,536 |
| 2024 | $1,224 |
| 2023 | $1,344 |
| 2022 | $1,197 |
| 2021 | $1,338 |
| 2020 | $1,256 |
| 2019 | $1,163 |
| 2018 | $1,069 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
Idaho car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Idaho auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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2026 U.S. Auto Insurance Study. J.D. Power
2026 U.S. Auto Insurance Study. J.D. Power
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Idaho Requires Insurers to Offer UM/UIM Coverage.Idaho Code § 41-2502 – Uninsured and Underinsured Motorist Coverage
Idaho Requires Insurers to Offer UM/UIM Coverage.Idaho Code § 41-2502 – Uninsured and Underinsured Motorist Coverage
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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.
