- Best car insurance companies in Idaho
- Cheapest car insurance companies in Idaho
- Average cost of car insurance in Idaho
- Idaho car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Idaho
- Cheapest car insurance cost in Idaho by age
- Cheapest car insurance companies in Idaho by driver profile
- Compare auto insurance rates by city in Idaho
- Car insurance premium trends in Idaho
- Methodology
- Compare Idaho car insurance rates with other states
Best car insurance companies in Idaho
State Farm is the best car insurance company in Idaho, based on our 2025 rankings, with an overall rating of 4.63. GEICO is the second-best auto insurance company in Idaho with an overall rating of 4.45.
Below is a full list of the top Idaho insurance companies based on price, NAIC complaint ratio and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| State Farm | A++ | 656 | 0.79 | $1,120 | 4.63 |
| GEICO | A++ | 637 | 0.69 | $1,174 | 4.45 |
| Travelers | A++ | 592 | 0.52 | $1,263 | 4.01 |
| Farmers | A | 641 | 0.86 | $1,606 | 3.88 |
| Allstate | A+ | 626 | 1.1 | $1,945 | 3.35 |
| USAA | A++ | 743 | 1.18 | $742 | 4.5 |
Cheapest car insurance companies in Idaho
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Idaho and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, USAA is the cheapest auto insurance company in Idaho, but is only available to military members, veterans, and their families, with average rates of $777 annually or $65 a month for full coverage. GIECO is the cheapest company that is open to all drivers, with an average annual rate of $1,308 for full coverage in Idaho.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| GEICO | $201 | $257 | $1,308 |
| State Farm | $296 | $384 | $1,452 |
| Auto-Owners | $315 | $425 | $1,558 |
| Farmers | $393 | $515 | $1,636 |
| Travelers | $407 | $507 | $1,756 |
| Nationwide | $784 | $729 | $1,802 |
| Idaho Farm Bureau | $410 | $513 | $2,272 |
| Allstate | $563 | $617 | $2,525 |
| Sentry Insurance | $689 | $823 | $2,947 |
| USAA | $174 | $213 | $777 |
*USAA is only available to military members and their families.
Average cost of car insurance in Idaho
The average car insurance rate in Idaho is $1,428 a year for a full coverage policy with a coverage level of 100/300/100 for a male driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Idaho is $423.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Idaho
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Rigby | $658 | $55 |
| Lewisville | $657 | $55 |
| Shelley | $647 | $54 |
| Menan | $646 | $54 |
| Athol | $641 | $53 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Mountain Home | $476 | $40 |
| King Hill | $477 | $40 |
| Glenns Ferry | $478 | $40 |
| Hammett | $484 | $40 |
| Bellevue | $485 | $40 |
The Idaho Department of Insurance says...
Insurance companies are required to provide Uninsured Motorist (UM) Bodily Injury coverage & Underinsured Motorist (UIM) Bodily Injury coverage, unless a named insured has rejected the coverages in writing.
The coverage limits for UM/UIM Bodily Injury coverage generally will match the coverage limits you chose for your Bodily Injury Liability coverageThis auto insurance coverage helps pay for medical expenses and lost wages if you injure someone in a car accident. It also covers legal fees if you're sued. limits; however, this may differ between insurance carriers.
Insurance companies are required to provide to the named insured a disclosure via the Idaho Uninsured Motorist and Underinsured Motorist Disclosure Form, which explains the UM/UIM Bodily Injury coverages, provides the option to reject either or both coverages, and explains the difference between the two (2) types of Underinsured Motorist Bodily Injury coverage.
Idaho car insurance requirements
You need car insurance with minimum coverage levels of 25/50/25 in Idaho, which costs $423 each year or $36 each month.
Minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. requirements for Idaho:
- Bodily injury liability (BI): $20,000 per person, $50,000 per accident
- Property damage liability (PD): $15,000 per accident
Cheapest car insurance companies for minimum liability coverage in Idaho
According to Insurance.com, GEICO has the cheapest state minimum liability coverage, at $257 per year or $21 each month.USAA offers cheaper rates but is available only to military veterans and their families.
Here are the most affordable car insurance companies for state minimum coverage in Idaho.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| GEICO | $257 | $21 |
| State Farm | $384 | $32 |
| Auto-Owners | $425 | $35 |
| Travelers | $507 | $42 |
| Farmers | $515 | $43 |
| Idaho Farm Bureau | $513 | $43 |
| Allstate | $617 | $51 |
| Nationwide | $729 | $61 |
| Sentry Insurance | $823 | $69 |
| USAA | $213 | $18 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Idaho by age
In Idaho, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of experience on the road.
GEICO offers the cheapest car insurance for a 16-year-old driver in Idaho at $4,701 per year.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Idaho, USAA offers the cheapest full coverage car insurance for adult and senior drivers at $957 per year and at $741 per year, respectively, unless they are eligible for USAA.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| GEICO | $4,701 | $392 |
| Idaho Farm Bureau | $4,861 | $405 |
| State Farm | $5,165 | $430 |
| Auto-Owners | $5,205 | $434 |
| USAA | $7,423 | $619 |
| Travelers | $7,642 | $637 |
| Sentry Insurance | $7,733 | $644 |
| Nationwide | $7,955 | $663 |
| Allstate | $9,773 | $814 |
| Farmers | $11,527 | $961 |
*USAA is only available to military members and their families.
Cheapest car insurance companies in Idaho by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more.
However, the severity and frequency of the incidents will also play a role in your insurance rates. For instance, drivers with a single minor accident may see a smaller increase in their rates compared to those with multiple major accidents.
Below are average Idaho rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| GEICO | $1,308 | $2,145 | $1,448 |
| State Farm | $1,452 | $1,691 | $1,563 |
| Farmers | $1,636 | $2,840 | $2,092 |
| Travelers | $1,756 | $2,279 | $2,340 |
| Auto-Owners | $1,558 | $2,313 | $2,341 |
| Allstate | $2,525 | $4,020 | $2,915 |
| Nationwide | $1,802 | $3,133 | $2,982 |
| USAA | $777 | $1,139 | $983 |
*USAA is only available to military members and their families.
Compare auto insurance rates by city in Idaho
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Idaho will impact what you pay. Below, we've gathered Idaho car insurance rates by city for comparison.
Car insurance premium trends in Idaho
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Idaho to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Idaho car insurance rates with other states
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