Cheap Idaho Car Insurance

Compare the best rates from 11 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

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

 

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 Boise, Idaho, and the most expensive in Moscow, Idaho.

RankCityAvg. Annual Premium
1Moscow$1,094
2Sandpoint$1,088
3Lewiston$1,078
4Ammon$1,068
5Idaho Falls$1,065
6Rexburg$1,064
7Blackfoot$1,063
8Chubbuck$1,047
9Pocatello$1,046
10Burley$1,041
11Twin Falls$1,039
12Jerome$1,035
13Hayden$1,032
14Caldwell$1,029
15Nampa$1,025
16Coeur d'Alene$1,018
17Hailey$1,011
18Payette$1,002
19Post Falls$1,001
20Mountain Home$981
21Eagle$976
22Kuna$974
23Garden City$971
24Meridian$966
25Boise$965

Recent Idaho Car Insurance Questions and Answers

Why does my premium change when I change my address?

I moved from one part of the city to another but it wasn’t very far away. I now live downtown ...

JAN 22, 2018
What’s the difference between an insurance carrier and an insurance agency?

I have a local agent and he talks about the “carriers” that he works with. What is the difference?...

APR 16, 2016

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
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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 destrination 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, 2018

Notification

Winner(s) will be selected and notified by email by January 31st, 2019

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.

Click here to learn more