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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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?
Rank Company Name Avg. Annual Premium
1 American National $522
2 Travelers $693
3 Auto-Owners $727
4 USAA $776
5 State Farm $876
6 Oregon Mutual $972
7 Allied $1,206
8 Nationwide $1,243
9 Progressive $1,250
10 Safeco $1,452

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

Compare Idaho car insurance quotes from top providers.

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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 $246 19.35%
No Accidents $460 31.01%
Good Credit $910 47.07%


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.

Age Annual Rate with Parents Annual 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 Factor Annual Rate % Increase
At-Fault Accident $1,484 31.01%
DUI $1,566 34.64%
Speeding Violation $1,269 19.35%
Bad Credit $1,934 47.07%

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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)

Allstate Average Average Superior 4.3 / 5
Auto-Owners N/A Above average Superior N/A
American National N/A N/A N/A N/A
GEICO Average Average Superior 4.4 / 5
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3 / 5
State Farm Above average Above average Superior 4.5 / 5
The Hartford Excellent Above Average Average N/A
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 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.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $1,688 66% $670
Refused Breathalyzer/Chemical Test $1,607 58% $589
DUI $1,607 58% $589
Racing $1,518 49% $499
Reckless Driving $1,561 53% $542
Driving with a Suspended License $1,477 45% $459
At-Fault Accident $1,444 42% $426
Driving with an Open Container $1,492 46% $473
Operating a Vehicle Without Permission $1,234 21% $216
Passing a School Bus $1,327 30% $309
Improper Passing $1,143 12% $125
Following Too Closely $1,156 14% $138
Speeding $1,253 23% $235
Failure to Stop at a Red Light $1,156 14% $138
Illegal Turn $1,142 12% $124
Driving Wrong Way/Wrong Lane $1,143 12% $125
Failure to Yield $1,222 20% $204
Speeding in a School Zone $1,170 15% $152
Driving Too Slowly $1,185 16% $166
Distracted Driving $1,156 14% $138
Driving with Expired Registration $1,031 1% $13
Failure to Show Documents $1,031 1% $13
Not-at-Fault Accident $1,035 2% $16
Failure to Use Child Safety Restraint $1,022 0% $3
Failure to Wear a Seat Belt $1,082 6% $64
Driving Without Lights $1,022 0% $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.

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



Will insurance cover damage caused by an aging house?

Typically, a homeowners policy will not cover things like wear and tear. But it depends on how the damage was caused.
Oct 23, 2018 South Bend, 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

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

Kristine Lee photo
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.