Auto-Owners offers the cheapest auto insurance at $793 per year or $66 monthly, on average. If you’re eligible, you can get a cheaper rates at USAA, where the average is $743 a year. Both are below the average Idaho car insurance rate of $1,052 a year.
Cheap isn’t everything, but an Insurance.com analysis of rates, complaints, and financial stability found Auto-Owners to be the best insurance company in Idaho as well as the cheapest.
Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive and the coverage you select to determine your average annual car insurance cost.
Read on to compare Idaho insurance rates by company, age and more.
Key takeaways
- Auto-Owners is the best car insurance company in Idaho overall, with below-average rates and a low complaint ratio.
- Auto-Owners is the cheapest car insurance company open to all residents at $793 per year.
- Auto-Owners also has the cheapest rates for teens as well as drivers with a ticket or accident.
Average cost of car insurance in Idaho
The average car insurance rate in Idaho is $1,052 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 $294.
Best car insurance companies in Idaho
Auto-Owners is the best car insurance company in Idaho, based on a 2023 analysis by Insurance.com, with an overall rating of 4.68. State Farm is the second-best auto insurance company in Idaho with an overall rating of 4.46.
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.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| Auto-Owners | A++ | $793 | 0.64 | 4.68 |
| State Farm | A++ | $920 | 0.52 | 4.46 |
| Geico | A++ | $858 | 0.77 | 4.33 |
| Nationwide | A+ | $920 | 0.66 | 4.17 |
| USAA* | A++ | $743 | 0.99 | 4.03 |
| Travelers | A++ | $933 | 1.03 | 3.69 |
| American Family | A | $1,206 | 0.57 | 3.67 |
| Farmers | A | $1,326 | 0.77 | 3.09 |
| Allstate | A+ | $1,769 | 0.95 | 2.41 |
*USAA is only available to military members and their families.
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 $743 annually or $62 a month, on average for full coverage. Auto-Owners is the cheapest company overall, and is open to all drivers, with an average annual rate of $793 for full coverage in Idaho.
| Company | State minimum | 50/100/50 liability only | 100/300/100 liability with $500 comp/coll deductible |
|---|---|---|---|
| USAA* | $163 | $202 | $743 |
| Auto-Owners | $169 | $238 | $793 |
| Geico | $200 | $247 | $858 |
| State Farm | $215 | $284 | $920 |
| Nationwide | $448 | $424 | $920 |
| Travelers | $331 | $409 | $933 |
| American Family | $403 | $520 | $1,206 |
| Farmers | $332 | $409 | $1,326 |
| Allstate | $382 | $437 | $1,769 |
*USAA is only available to military members and their families.
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 $2,315 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 drivers at $815 per year and at $820 per year, respectively, unless they are eligible for USAA.
| Age (group) | Company Group | Avg. Annual Premium |
|---|---|---|
| Teens (16-19) | Auto-Owners | $ 2,315 |
| Teens (16-19) | Geico | $ 2,645 |
| Teens (16-19) | State Farm | $ 2,686 |
| Teens (16-19) | Travelers | $ 3,204 |
| Teens (16-19) | American Family | $ 3,310 |
| Teens (16-19) | Nationwide | $ 3,720 |
| Teens (16-19) | USAA | $ 4,531 |
| Teens (16-19) | Allstate | $ 6,115 |
| Teens (16-19) | Farmers | $ 6,823 |
| Young Adults (20-24) | Geico | $ 1,344 |
| Young Adults (20-24) | USAA | $ 1,402 |
| Young Adults (20-24) | Auto-Owners | $ 1,417 |
| Young Adults (20-24) | Travelers | $ 1,497 |
| Young Adults (20-24) | State Farm | $ 1,547 |
| Young Adults (20-24) | American Family | $ 1,766 |
| Young Adults (20-24) | Nationwide | $ 1,830 |
| Young Adults (20-24) | Farmers | $ 2,016 |
| Young Adults (20-24) | Allstate | $ 2,708 |
| Adults (25-55) | USAA | $ 755 |
| Adults (25-55) | Auto-Owners | $ 815 |
| Adults (25-55) | Geico | $ 818 |
| Adults (25-55) | State Farm | $ 939 |
| Adults (25-55) | Nationwide | $ 947 |
| Adults (25-55) | Travelers | $ 948 |
| Adults (25-55) | American Family | $ 1,191 |
| Adults (25-55) | Farmers | $ 1,367 |
| Adults (25-55) | Allstate | $ 1,762 |
| Seniors (60-75) | USAA | $ 736 |
| Seniors (60-75) | Auto-Owners | $ 820 |
| Seniors (60-75) | Nationwide | $ 859 |
| Seniors (60-75) | State Farm | $ 879 |
| Seniors (60-75) | Travelers | $ 915 |
| Seniors (60-75) | Geico | $ 963 |
| Seniors (60-75) | American Family | $ 1,180 |
| Seniors (60-75) | Farmers | $ 1,277 |
| Seniors (60-75) | Allstate | $ 1,673 |
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 | Ticket |
|---|---|---|---|
| Auto-Owners | $ 698 | $ 799 | $ 769 |
| USAA* | $ 702 | $ 1,027 | $ 842 |
| Geico | $ 800 | $ 1,294 | $ 886 |
| Nationwide | $ 900 | $ 1,399 | $ 1,236 |
| Travelers | $ 927 | $ 1,298 | $ 1,235 |
| State Farm | $ 932 | $ 1,097 | $ 1,014 |
| American Family | $ 1,161 | $ 1,210 | $ 1,210 |
| Farmers | $ 1,327 | $ 1,937 | $ 1,830 |
| Allstate | $ 1,692 | $ 2,554 | $ 1,958 |
*USAA is only available to military members and their families.
Methodology
Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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.
