Cheap Auto Insurance in Idaho (2024)

Safeco offers the cheapest car insurance in the Gem State, with liability rates as low as $49 per month..

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As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated February 26, 2024 at 11:00 AM PST

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On average, Idaho drivers pay $143 per month for full-coverage car insurance, much lower than the national average of $207. Rates are low partially due to the state’s high number of rural areas and seventh-lowest population density.[1]

Location isn't the only factor that affects car insurance rates. Insurers also consider your age, driving history, vehicle, credit history, and more when determining your premium. Because each insurer weighs those factors differently, it's important to compare car insurance quotes to find the coverage you need at a good price. Here’s what you need to know to find the best car insurance in Idaho.

Quick Facts
  • Idaho car insurance rates are among the lowest in the U.S. Full-coverage car insurance averages $143 per month in Idaho; liability averages $70 per month.

  • Auto insurers in Idaho can consider your credit history when determining your premium.

  • Idaho is a fault-based insurance state, meaning the insurance of the driver who caused the accident pays for the other party's damages and injuries.

Best car insurance companies in Idaho

While shopping for the best car insurance in Idaho, you’ll see variance in rates and the specific insurance products and perks companies offer. The company that’s best for you depends on your insurance needs, budget, and how you drive.

Insurance CompanyBest ForAverage Monthly Quote: Full CoverageInsurify Quality (IQ) Score
SafecoOverall$813.8
Liberty MutualFamilies$1053.8
The GeneralHigh-risk drivers$2053.3
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurance for overall: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
816
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$81/mo

With some of the lowest rates in Idaho and an Insurify Quality (IQ) Score of 3.8, Safeco is a good option for most Idaho drivers. The company offers multiple incentives for good driving, including a diminishing deductible program that lowers your deductible amount for driving claims-free. You can also save by bundling your Safeco auto policy with one of the insurer's other products, like homeowners or renters insurance.

Pros
  • Some of the lowest rates in Idaho

  • Rewards good drivers with savings

  • Lower-than-average number of consumer complaints with the National Association of Insurance Commissioners

Cons
  • Low customer satisfaction ranking in 2023 J.D. Power U.S. Auto Insurance Study

  • Doesn't offer gap insurance

  • Some online reviews suggest there's room for improvement in customer service

Significant price increase! Over twenty-two dollars monthly, without any driving changes. No accidents or tickets.

BILLY - December 4, 2023
Verified

Quality price & service.

Emery - September 21, 2023
Verified

They are really patient over the phone, and anytime I can change something on my policy online.

Mildred - August 30, 2023
Verified
Read our Safeco review

Best for families: Liberty Mutual

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$105/mo

The sixth-largest U.S. auto insurer by market share, Liberty Mutual can be a good choice for families looking for savings and ample coverage options. Liberty Mutual offers a wide array of discounts, including good student, claims-free, multi-car, multi-policy, and homeowner discounts. Besides standard coverages like liability, collision, and comprehensive, Liberty Mutual offers appealing optional coverages like roadside assistance, gap insurance, accident forgiveness, and new car replacement. It also offers a deductible fund that allows policyholders to save up to $100 per year toward a fund they can use to reduce their deductible if they ever need to file a claim.

Pros
  • Numerous discounts

  • Unique coverage options

  • Competitive prices for Idaho residents

Cons
  • Lower-than-average rank for customer satisfaction in J.D. Power 2023 U.S. Auto Insurance Study

  • Much higher-than-average number of complaints in the National Association of Insurance Commissioners' complaint index

  • Only 1.1 stars (out of 5) on Trustpilot

The only thing is pricing and checking with other carriers for pricing!!! Liberty Mutual has all of them beat.

William - December 1, 2023
Verified

Wasn't consistent with price from year one to year two.

Lester - November 30, 2023
Verified

Best service there is.

H - November 27, 2023
Verified
Read our Liberty Mutual review

Best for high-risk drivers: The General

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$205/mo

Idaho drivers whose driver profile or driving history make it difficult to find necessary coverage might find success with The General. The company specializes in providing coverage to difficult-to-insure drivers such as ones who need an SR-22, have a history of violations or accidents, have had a lapse in coverage, or poor credit. Unlike some competitors who offer limited discounts to high-risk drivers, The General has good student, bundling, and other discounts.

Pros
  • Competitive rates for high-risk drivers

  • Gap insurance available in some states

  • SR-22 filing available in most states

Cons
  • No usage-based insurance option to help good drivers save

  • Higher-than-average number of complaints in NAIC index

  • Relatively small number of agents (100 across the country)

Prices are way to high for good drivers with no violations in over 30 years.

Timothy - December 2, 2023
Verified

Best convenience.

Jennifer - November 22, 2023
Verified

They are the only insurance company I know of that covers for a whole year, and I like that because it makes my insurance payments more affordable.

LaDonna - November 21, 2023
Verified
Read our The General review

Cheapest liability-only car insurance

As one of America’s most rural states, Idaho auto rates are among the nation’s lowest due to below-average accident rates. In fact, Idaho ranks 12th-cheapest for liability-only car insurance, according to Insurify’s internal data.

Liability insurance, which is mandatory in Idaho, offers two types of protection for accidents that you cause:

  • Bodily-injury liability covers other drivers’ and passengers’ medical bills if they’re injured or killed.

  • Property damage liability covers damage to other drivers’ and passengers’ property.[2]

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
Safeco49
Liberty Mutual52
National General54
Progressive56
Dairyland56
Bristol West85
Foremost86
Midvale Home & Auto92
The General109
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Idaho

Full-coverage car insurance includes optional coverages to pay for damage to your car and other property. If you lease or finance your vehicle, your leasing company or lender will require you to carry full coverage. It typically consists of:

  • Collision coverage for car accidents with another vehicle or an object like a tree or light pole

  • Comprehensive coverage for damage caused by weather events, animals, theft, vandalism, and events other than collision

Depending on your circumstances, it might be a good idea to add additional optional coverages, such as uninsured/underinsured motorist coverage, when you purchase full coverage for your car. This coverage also protects you from hit-and-run losses.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
Safeco81
Progressive93
National General98
Liberty Mutual105
Midvale Home & Auto122
Dairyland124
Foremost137
Bristol West203
The General205
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Idaho

As a fault-based insurance state, Idaho law requires all drivers to have bodily injury liability and property damage liability auto insurance coverage.[3] Fault-based insurance means the at-fault driver is responsible for the other parties’ damages.

Here are the minimum coverages you’ll need in Idaho:

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability

    • $25,000 per person

    • $50,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Property damage liability

    • $15,000

The Idaho Department of Insurance notes that your insurance company must offer you uninsured motorist bodily injury and underinsured motorist bodily injury coverage, but you’re not obligated to purchase either.[4]

Find Car Insurance in Idaho

Liability-only policies start at $49/mo.

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Cheapest car insurance companies for drivers with an incident

An incident is an event reported to your car insurance company and might result in an increase in your insurance rate. Examples include a speeding ticket, DUI conviction, or at-fault accident.

Insurance companies have two ways to increase rates following a chargeable incident: by imposing a surcharge or by ending any discounts you receive based on a good driving record or absence of claims.

Whether a particular incident actually increases your rate, and if so, by how much, depends on the severity of the incident and your car insurance company’s policies.

Cheapest car insurance for drivers with a speeding ticket

A speeding ticket may increase your insurance rate for three to five years, especially if you’ve had violations in the recent past and your insurance company identifies you as a high-risk driver. That’s because those behaviors increase your chance of having an accident. In Idaho, the average cost of full-coverage car insurance with a speeding ticket is $216 per month.

Here’s how much you can expect to pay for car insurance each month if you have a speeding ticket on your record in Idaho.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Safeco11570
Progressive12877
National General13172
Liberty Mutual14974
Dairyland17077
Midvale Home & Auto171129
Bristol West273114
The General280149
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

Unless you've purchased accident forgiveness coverage, an at-fault accident is likely to result in your insurance company imposing a surcharge for three to five years. How much depends on the circumstances and severity of the crash. A fender bender for which you’re partly responsible is likely to result in a smaller surcharge than an accident for which you’re 100% responsible and which totaled the other driver’s car.

In Idaho, an at-fault accident boosts the average cost of full-coverage car insurance to $212 per month.

Check the rates below to see how much you might pay each month for auto coverage if you have an at-fault accident on your driving record.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Safeco12073
Progressive13280
National General13574
Liberty Mutual15376
Dairyland17278
Midvale Home & Auto179135
Bristol West274115
The General288153
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Idaho drivers with a blood alcohol content of 0.08% or more (0.02% if you’re under 21) are considered under the influence, according to the Idaho State Police.[5] In addition to resulting in severe legal consequences, a DUI conviction is almost certain to substantially increase your auto insurance rate for three to five years, or even cause insurers to refuse to provide you coverage.

A DUI in Idaho pushes the average monthly cost of full coverage to $241. Liability-only coverage averages $118 per month after a DUI.

These are the monthly averages you might pay in Idaho if you’ve been convicted of driving under the influence.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Safeco13179
Progressive15091
National General15987
Liberty Mutual17084
Midvale Home & Auto197149
Dairyland20191
Foremost222139
Bristol West328138
The General332176
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Age is an influential factor in determining insurance rates. Young drivers tend to have high rates, which decline up until around age 35. However, once you reach age 70, you’re likely to see them climb again. The primary reason for this increase is that drivers over age 70 are more vulnerable to being injured in a crash, according to the Centers for Disease Control and Prevention.[6]

Here’s how much senior drivers in Idaho might pay each month for car insurance coverage.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Progressive4024
Safeco5231
Liberty Mutual5829
National General6234
Dairyland7233
Bristol West11548
The General13069
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Young drivers’ relative immaturity makes them riskier drivers. As a result of their higher accident rates, they’re costlier than older drivers to insure. That’s true whether they have their own auto insurance policy or are on their parents’ policy.

Despite the overall higher rates, most insurance companies give teen drivers several ways to save on their premiums. For example, you’ll pay less if you’re insured under a parent’s policy. And you can earn discounts for being a good student and taking a defense driver course.

Explore the average monthly rates for teen drivers in Idaho in the table below.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Safeco14487
Progressive16599
Liberty Mutual17888
National General183101
Dairyland19990
Midvale Home & Auto229173
Foremost243152
The General323172
Bristol West333140
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Check Out: Car Insurance Discounts

Check Out: Car Insurance Discounts

How to get the cheapest car insurance in Idaho

Finding cheap car insurance starts with assessing your coverage needs. If you live in a rural Lewis County ZIP code and you work from home, you might only need liability insurance. If you live and work in a more congested area of Madison County, on the other hand, you’ll probably want a full-coverage policy.

Once you’ve decided on the type of coverage you need, use the following tips to get the best deal:

  • Compare quotes. Call a few companies directly or request quotes online to see which has the cheapest rates.

  • Select a high deductible. Select the highest deductible you can afford to pay out of pocket.

  • Bundle coverage. Bundling your auto insurance with a homeowners or renters insurance policy can earn you a discount.

  • Have your teen drive an inexpensive car. Consider having your teenager drive the lowest-value car in your household. 

Find Car Insurance in Idaho

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Idaho car insurance quotes by credit tier

Idaho insurance companies can use credit-based insurance scores to determine insurance rates.[7] While credit is just one factor that insurance companies consider, it can have a significant effect on how much you’ll pay for coverage. Below, you can see how full-coverage car insurance quotes can change depending on your credit score.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Idaho car insurance FAQs

It can be challenging to find the right car insurance. Below, you’ll find answers to some commonly asked questions about how to find the best car insurance in Idaho.

  • How much is car insurance in Idaho?

    Car insurance in Idaho averages $143 for full coverage and $70 for liability-only policies. Your specific rate will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.

  • What are the cheapest car insurance companies in Idaho?

    Safeco, Liberty Mutual and National General are the cheapest insurers in Idaho. Safeco's liability rates start at $49 per month. Liberty Mutual and National General offer liability rates as low as $52 and $54, respectively.

    Ultimately, the best company for you will be the one that provides the coverage you need at a rate you can afford.

  • Is car insurance required in Idaho?

    Yes. Car insurance is required in Idaho. Drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability insurance, as well as $15,000 in property damage liability coverage.

  • Is Idaho a no-fault state?

    No. Idaho is an at-fault state. This means that drivers responsible for an auto accident are responsible for covering the costs of resulting damage and injury for the other driver and their passengers.

Insurify Insights

How Idaho Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Idaho below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Idaho drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Idaho

#11

State with the Most Speeding Tickets Rank

#6

State with the Moving Violations Rank

#9

State with the Most DUIs Rank

#14

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Idaho is the #16 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #16
    • Percent of drivers in Idaho with an accident: 9.6%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Idaho is the #9 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #9
    • Percent of drivers in Idaho with a DUI: 2.1%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Idaho is the #2 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #2
    • Percent of drivers in Idaho with a reckless driving offense: 2.3%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Idaho is the #1 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #1
    • Percent of drivers in Idaho with a rude driving violation: 3.1%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Idaho is the #11 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #11
    • Percent of drivers in Idaho with a speeding ticket: 10.9%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Idaho is the #5 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #5
    • Percent of drivers in Idaho with a failure to yield violation: 0.3%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Idaho Department of Health & Welfare - Division of Public Health. "Overview of Idaho." Accessed July 18, 2023
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed July 18, 2023
  3. Nolo. "Idaho Car Insurance Laws." Accessed July 18, 2023
  4. Idaho Department of Insurance. "Required Auto Coverage." Accessed July 18, 2023
  5. Idaho Transportation Department. "Idaho's 0.08% BAC Law." Accessed July 18, 2023
  6. Centers for Disease Control and Prevention. "Older Adult Drivers." Accessed July 18, 2023
  7. Idaho State Legislature. "TITLE 41 INSURANCE CHAPTER 18 THE INSURANCE CONTRACT." Accessed July 18, 2023
Daria Kelly Uhlig
Daria Kelly Uhlig

Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.

Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
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Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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