Cheap Car Insurance in Idaho (With Quotes, August 2022)

A wild, enchanting place, Idaho is one of those states where almost everyone needs a car. And luckily, car insurance is pretty affordable for Idaho drivers: it’s over 50 percent cheaper than the national average, just $146 per month. But the most important decision on your way to getting the best rates for you and your family is to choose the perfect car insurance company.

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First, who has the cheapest auto insurance rates in the Gem State? Take a look at the quotes from these Idaho insurance companies to get a sense of the range of insurance premiums Idaho drivers can expect. As you can see, cheap car insurance is the norm here, especially if you’re moving from California or Colorado.

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Cheapest Liability Auto Insurance in Idaho

Minimum liability insurance in Idaho includes bodily injury coverage, which pays for medical expenses that are your fault in an accident, and property damage liability coverage, which pays to repair damage to someone’s car or other property that you cause. If liability coverage is all you need from an insurance policy, check out these super-low car insurance quotes:

Cheapest Full-Coverage Auto Insurance in Idaho

Liability coverage by itself can leave you vulnerable, and full-coverage car insurance insures you for much more than bodily injury and property damage you cause to others. With collision coverage, you can protect your car no matter what you hit or who caused the car accident, and comprehensive coverage insures you from weather events, theft, and vandalism.

But cheap car insurance quotes are only one part of how you should assess an insurance company. The best car insurance companies also have reputations for customer satisfaction and financial stability, and that’s what our ICS captures. The key is to balance the needs of your budget while buying insurance coverage from a quality auto insurance provider.

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Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

When insurance companies set your car insurance premiums, they are especially interested in predicting how likely you are to get into car accidents. So if your driving history has speeding tickets, DUIs, or prior car accidents on it, you will probably be charged higher car insurance rates. If your driving record isn’t perfect, choosing wisely is even more important.

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Cheap Car Insurance for Good Drivers in Idaho

Drivers with squeaky-clean driving records have no trouble finding cheap car insurance. These average car insurance quotes from Idaho insurance companies show you where to start looking if you’ve avoided car accidents, speeding tickets, and other violations in the last five years.

Cheap Car Insurance for Drivers with DUI in Idaho

Just because you have a DUI on your driving record doesn’t mean you should be condemned to sky-high car insurance rates. You just have to find the best car insurance company for your circumstances. Take special note of these auto insurance providers offering attractive car insurance quotes to Idaho drivers with DUIs:

SR-22 Insurance in Idaho

SR-22 insurance is for drivers who lose their driver’s license and are required by the state to secure a special, high-risk policy to get back on the road. This will raise your auto insurance rates, but the insurance company handles the SR-22 certificate; you only pay a small filing fee. Only some companies sell SR-22 insurance, but the companies listed below are great options.

Cheap Car Insurance for Drivers with an At-Fault Accident in Idaho

An at-fault car accident is another ding on your driving history that gives car insurance companies pause when setting your insurance premiums. These Idaho auto insurance companies have the cheapest rates for drivers with at-fault accidents:

Cheap Car Insurance for Drivers with Speeding Tickets in Idaho

Speeding tickets can raise your annual premium significantly. But some companies quote average rates to drivers with speeding tickets that still amount to some of the cheapest auto insurance money can buy. Idaho drivers should especially note these insurance companies for the best rates around for their driving history:

Did you know your auto insurance coverage can be even cheaper with a good credit score? Auto-owners with excellent credit pay lower insurance premiums than the state average by over $10 per month—but drivers with average or poor credit can see increased premiums compared to the state average.

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You’ve heard that young drivers have super-high car insurance costs, and it’s true. Looking at average car insurance quotes, you see that teen drivers and young drivers in their 20s pay high insurance premiums compared to the rest of Idaho. But they still pay about half of what young drivers pay in some states, and old drivers in Idaho have very cheap car insurance.

Idaho’s largest city, Boise, doesn’t even have a quarter of a million residents. So where you live in Idaho doesn’t affect your insurance premiums like it does in other states. You’ll see that the best rates aren’t just for rural dwellers: cheap car insurance is an attainable dream for every Idaho driver.

Every state has minimum insurance requirements, and Idaho is no exception. Additionally, all drivers in Idaho will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Idaho.

Minimum Car Insurance Requirements in Idaho

All motor vehicles operated or parked on Idaho roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement
• Renewing vehicle registration
• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Idaho^[1] are:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Idaho is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Idaho, this coverage is optional but recommended for all drivers.

Idaho DMV Information

Idaho’s Division of Motor Vehicles is the place for Idaho drivers to obtain (and renew) a driver’s license (including a CDL), register a car or transfer the title, and get other car-related paperwork in order. Idaho drivers can access these services online or at one of the DMV’s dozens of locations.

Public Transportation in Idaho

A very rural state, Idaho often needs transportation to be intercity or intercounty to be effective. Areas like Moscow, Ada & Canyon County, Driggs/Victor/Grand Targhee, Twin Falls, Lewiston, and other areas have municipal transit resources that help you navigate the region.

If there’s one trick to cheap auto insurance, it’s comparison. Finding car insurance quotes for your driving history, location, marital status, preferences for coverage limits and deductibles, and other particularities of your situation will allow you to pinpoint the car insurance companies whose discounts are the best match for you.

The cheapest car insurance goes to the driver who is most willing to seek out the greatest diversity of car insurance quotes—but this takes some effort. Good thing you have Insurify to do the work for you! In only a few minutes, you can access a free, personalized list of car insurance quotes from the best car insurance companies in Idaho. Try it out!