- 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
Auto-Owners is the best car insurance company in Idaho, based on a 2024 analysis by Insurance.com, with an overall rating of 4.14. Travelers is the second-best auto insurance company in Idaho with an overall rating of 3.63.
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 | Insurance.com score | Average annual premium |
|---|---|---|---|---|---|
| Auto-Owners | A++ | 840 | 0.5 | 4.14 | $916 |
| Travelers | A++ | 810 | 0.49 | 3.63 | $1,263 |
| State Farm | A++ | 821 | 0.7 | 3.59 | $1,120 |
| Geico | A++ | 797 | 0.91 | 3.35 | $1,174 |
| Nationwide | A+ | 810 | 0.64 | 3.2 | $1,505 |
| Allstate | A+ | 783 | 0.65 | 2.98 | $1,945 |
| Farmers | A | 796 | 0.8 | 2.96 | $1,606 |
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 $742 annually or $62 a month for full coverage. Auto-Owners is the cheapest company that is open to all drivers, with an average annual rate of $916 for full coverage in Idaho.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| USAA | $170 | $209 | $742 |
| Auto-Owners | $190 | $252 | $916 |
| State Farm | $244 | $322 | $1,120 |
| Geico | $201 | $257 | $1,174 |
| Travelers | $323 | $405 | $1,263 |
| Nationwide | $645 | $690 | $1,505 |
| Farmers | $406 | $579 | $1,606 |
| Farm Bureau | $337 | $423 | $1,652 |
| Allstate | $484 | $517 | $1,945 |
| Sentry Insurance | $567 | $748 | $2,352 |
*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 $357.
Auto insurance calculator
Most & least expensive ZIP codes for auto insurance in Idaho
Most Expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 83840 | Kootenai | $141 |
| 83853 | Porthill | $141 |
| 83865 | Colburn | $140 |
| 83526 | Ferdinand | $140 |
Least Expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 83647 | Mountain Home | $114 |
| 83716 | Boise City | $115 |
| 83706 | Boise City | $117 |
| 83712 | Boise City | $117 |
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 coverage 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 $357 each year or $30 each month.
Minimum liability insurance 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, Auto-Owners has the cheapest state minimum liability coverage, at $190 per year or $16 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 |
|---|---|---|
| USAA* | $167 | $14 |
| Auto-Owners | $190 | $16 |
| Geico | $211 | $18 |
| State Farm | $244 | $20 |
| Travelers | $329 | $27 |
| Farm Bureau | $337 | $28 |
| Farmers | $393 | $33 |
| Allstate | $478 | $40 |
| Sentry Insurance | $582 | $48 |
| Nationwide | $636 | $53 |
*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.
Auto-Owners offers the cheapest car insurance for teen drivers in Idaho at $2,753 per year for a full coverage policy.
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, Auto-Owners offers the cheapest full coverage car insurance for adult and senior drivers at $932 per year and at $973 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.
| Auto-Owners | $3,466 | $289 |
| Farm Bureau | $3,541 | $295 |
| State Farm | $3,950 | $329 |
| Geico | $4,212 | $351 |
| Travelers | $5,349 | $446 |
| Nationwide | $5,687 | $474 |
| Sentry Insurance | $6,007 | $501 |
| USAA | $7,171 | $598 |
| Allstate | $9,688 | $807 |
| Farmers | $11,239 | $937 |
*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 |
|---|---|---|---|
| USAA | $742 | $1,087 | $938 |
| State Farm | $1,120 | $1,305 | $1,205 |
| Auto-Owners | $916 | $1,360 | $1,223 |
| Geico | $1,174 | $1,926 | $1,301 |
| Travelers | $1,263 | $1,640 | $1,684 |
| Farmers | $1,606 | $2,787 | $2,054 |
| Allstate | $1,945 | $3,097 | $2,245 |
| Nationwide | $1,505 | $2,245 | $2,490 |
*USAA is only available to military members and their families.
Compare auto insurance rates by city in Idaho
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Idaho.
| City | Annual insurance premium |
|---|---|
American Falls | $1,405 |
Boise City | $1,309 |
Meridian | $1,306 |
Nampa | $1,400 |
Car insurance premium trends in Idaho
Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.
That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Idaho have increased or decreased from 2020 to 2023.
Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
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
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
Compare Idaho car insurance rates with other states
Helpful auto insurance tools and calculators
You might also be interested in