Cheap Idaho Car Insurance

Compare the best rates from 8 car insurance companies in Idaho.

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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.

 


 

Cheap Car Insurance

What's the cheapest car insurance in Idaho?
RankCompany NameAvg. Annual Premium
1American National$242
2Farm Bureau of ID Group$539
3USAA$541
4Oregon Mutual$665
5Travelers$693
6American Family$713
7Auto-Owners$727
8The Hartford$742
9State Farm$816
10Nationwide$919
11Grange$964
12Allied$1,010
13Mutual Enumclaw$1,067
14GEICO$1,071
15MetLife$1,084
16Safeco$1,139
17Progressive$1,141
18Cal Casualty$1,189
19Liberty Mutual$1,298
20Allstate$1,478
21Sentry$1,751
22Baldwin & Lyons$1,798
23Workmen's Auto$1,989
24Dairyland$12,000

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Cheap 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 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 Car 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%

What are the Best 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.

Compare top insurers' financial strength and claims satisfaction levels to better understand the level of service you will receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — determines an insurer's financial stability and ability to meet its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allied3Superior
Allstate3Superior
American Family4Excellent
American NationalNot RatedExcellent
Baldwin & LyonsNot RatedSuperior
Farm Bureau of ID GroupNot RatedExcellent
GEICO3Superior
Liberty Mutual3Excellent
MetLife3Superior
Nationwide4Superior
Progressive3Superior
State Farm3Superior
The Hartford4Excellent
Travelers3Superior
USAA5Superior

 

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What is the Best Auto Insurance Coverage in Idaho?

The minimum insurance requirement in Idaho is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $15,000 Property Damage per accident.

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.

Compare average prices for basic, good, and great car insurance tiers below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Idaho$404.11$916.65$1,024.11
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Idaho

In Idaho, the state minimum coverage requirement is liability with limits of:
  • 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

Liability coverage is legally required in Idaho and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Idaho, the minimum is listed as 25/50/15 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $15,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
  • These numbers reflect the minimum limits required in Idaho but higher coverage amounts are available with most companies.

Idaho Car Insurance FAQs

Do I need to have car insurance in Idaho?

Yes. If you want to legally drive your vehicle in Idaho, you need to have insurance.

What is Idaho's minimum car insurance for a financed car?

Because you do not finance a vehicle through the state but usually a private entity, these rules are not set or enforced by the state.

How does an insurance company declare a car "totaled" in Idaho?

A total loss is determined in Idaho if a vehicle if the cost of repairs plus the scrap value of the vehicle is greater or equal to the actual cash value of the vehicle. This will be determined by your insurance company.

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 Sandpoint, Idaho.

RankCityAvg. Annual Premium
1Sandpoint$1,088
2Moscow$1,051
3Lewiston$1,040
4Blackfoot$1,040
5Ammon$1,030
6Idaho Falls$1,022
7Rexburg$1,018
8Pocatello$1,007
9Chubbuck$1,004
10Hayden$998
11Burley$996
12Jerome$985
13Twin Falls$976
14Caldwell$972
15Coeur d'Alene$972
16Garden City$971
17Nampa$969
18Boise$965
19Hailey$964
20Post Falls$946
21Eagle$943
22Kuna$939
23Payette$931
24Mountain Home$914
25Meridian$910

Recent Idaho Car Insurance Questions and Answers

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.

Which portion of insurance policy pays for hit and run?

Your uninsured motorist physical damage coverage would pay for the damages. The insurance company typically will require a police report for the uninsured motorist coverage to pay.

Will my company find out about a car accident if I don't file a claim?

Your companies insurance company can find out about the incident if you file a claim. Most insurance companies report claims to CLUE, which is a database that holds claims and insurance information to be shared amongst insurance companies.

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.


Driving Laws

Idaho Texting and Driving Laws

  • Ban on text messaging for all drivers

Idaho DUI Laws

The lookback period in Idaho is 10 years. Repeated DUI offenses within this time period result in enhanced fines and penalties.

First and second DUI offenses are considered misdemeanors in Idaho. Third and subsequent DUI offenses are felonies, without regard for a violator’s BAC level.

In all cases, penalties are enhanced if a DUI offender injures someone else. A violator’s car may also be towed and impounded after being arrested.

Penalties for a first-time DUI offense in Idaho are:

  • Up to six months in jail
  • Up to $1,000 in fines
  • 90- to 180-day license suspension

Idaho Speeding Laws

Drivers are speeding in Idaho when exceeding:

  • 75 miles per hour on the interstate (or 80 miles per hour, where posted)
  • 65 miles per hour on state highways (or 70 miles per hour, where posted)
  • 55 to 70 miles per hour in other locations
  • 35 miles per hour in residential, business, or urban districts

Idaho Reckless Driving Regulations

A person is guilty of reckless driving in Idaho when driving or in actual physical control of a vehicle while driving “carelessly and heedlessly or without due caution and circumspection” and:

  • “at a speed or in a manner as to endanger or be likely to endanger any person or property”
  • or “who passes when there is a line in his lane indicating a sight distance restriction”

What Counts as Distracted Driving in Idaho?

Laws for distracted driving in Idaho apply primarily to those operating a wireless device while driving, versus simply driving while distracted.

Drivers in Idaho are prohibited from texting while driving, including manually preparing and transmitting a written message via a wireless device. Drivers can use voice-activated or hands-free technology and are allowed to use one hand to activate or deactivate a function of such a device.

What Constitutes Racing in Idaho?

Racing in Idaho constitutes participation in “any race, speed competition or contest, drag race or acceleration contest, test of physical endurance, exhibition of speed or acceleration,” or any event that takes place “for the purpose of making a speed record.”

Accident Liability in Idaho

Idaho is a fault-based state when assigning responsibility for an accident. After an accident, one or more drivers may be assigned a degree of liability for the accident.

Idaho also operates on a comparative fault basis. This means multiple parties may share the blame for an accident. Those who are at less than 50 percent fault for an accident will have compensation reduced by the percent for which they are liable.

How Do Tickets Impact Idaho Auto Insurance Rates?

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

Idaho Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Idaho area, while also getting an insider view of the Gem State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.