Cheap Auto Insurance Quotes in Idaho (2021)

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Idaho is known for its fantastic baking potatoes nationwide, but there’s a whole lot more than potatoes going on in The Gem State. Startlingly beautiful mountainscapes and river valleys, hot springs galore, and an increasingly cool metropolitan area are attracting new residents from around the country. Whether you’re new to the state or called it home your whole life, you could probably still use a break on your car insurance premium. Read on to discover how every Idahoan can get the best car insurance at the cheapest rate.

Cheapest Car Insurance in Idaho

Here are the cheapest carriers in Idaho for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Idaho.

Best Car Insurance in Idaho

The Insurify Composite Score is calculated by analyzing multiple factors that indicate 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, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Idaho. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Idaho

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Idaho to find you the cheapest quotes in each of these metropolitan areas.

Idaho's capital is also its most populous city. But Boise is notable for more than just potatoes. Boise drivers rank among the most faulty in the nation, according to Insurify's 2018 study of top cities with the worst drivers.

Quotes by Top Carriers
Quotes ($/mo)
$64
$71
$99
$158
$167
State FarmProgressiveNationwideAmerican FamilyThe General
Monthly $
CityCheapest Carrier
State FarmState Farm
$64/mo
State FarmState Farm
$70/mo
State FarmState Farm
$66/mo
AllstateAllstate
$49/mo
AllstateAllstate
$45/mo
ProgressiveProgressive
$27/mo
ProgressiveProgressive
$28/mo
ProgressiveProgressive
$33/mo
ProgressiveProgressive
$28/mo
ProgressiveProgressive
$28/mo
ProgressiveProgressive
$31/mo
ProgressiveProgressive
$32/mo
ProgressiveProgressive
$33/mo
ProgressiveProgressive
$31/mo
ProgressiveProgressive
$26/mo
ProgressiveProgressive
$32/mo
ProgressiveProgressive
$28/mo
ProgressiveProgressive
$28/mo
TravelersTravelers
$79/mo

Cheapest Liability Auto Insurance in Idaho

For drivers in Idaho, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Idaho. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Idaho.

Cheapest Full Coverage Auto Insurance in Idaho

For drivers in Idaho, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Idaho. The following are the best insurance rates from carriers that offer full coverage auto insurance in Idaho.

Idaho Driving Facts

idaho

Minimum Car Insurance Requirements in ID

Every state is unique when it comes to car insurance requirementsThe requirements in Idaho are only slightly higher than the national averageMinimum coverage in Idaho includes:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Optional coverage includes $25,000/$50,000 uninsured and underinsured motorist coverage. However, to waive that coverage Idaho drivers must do so in writing (according to Idaho Insurance Code §41-2502)

Cheapest Car Insurance Quotes in Idaho by Profile

Here are the cheapest insurance companies in Idaho based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Idaho drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Idaho, at $26 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance Company
Progressive
$26/mo
Allstate
$39/mo
State Farm
$42/mo
GEICO
$72/mo
Travelers
$74/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance Company
State Farm
$27/mo
American National
$28/mo
USAA
$31/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance Company
American National
$23/mo
USAA
$23/mo
Grange
$24/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance Company
USAA
$18/mo
American National
$21/mo
Grange
$21/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Idaho, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $14 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Idaho 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Idahoans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
USAA
$14/mo
American National
$17/mo
Grange
$20/mo

SR‌-22 Insurance in Idaho

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Idaho on your behalf.

ID DMV Information

You’ll have 30 days to transfer your out-of-state license to an Idaho license when you move. You can turn in your old license and an application for your new license at your local Department of Motor Vehicles. You will also need to provide proof of residency with a utility bill or lease agreement.

To transfer your vehicle’s title and registration, provide the VIN, current title and registration, and your new Idaho driver’s license. You may also need to have your vehicle inspected if the county you move to requires it. Once you are fully registered, there are many things you do with the Idaho DMV online services, including:

  • Renew or replace your driver’s license
  • Check your driving status
  • Obtain your driving record
  • Change of address
  • Pay fees
  • Renew license plates

Insurify Insights: How Idaho Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Idaho drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Idaho

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. Among all fifty states, Idaho drivers rank 22 in the number of car accidents per driver.

  • Rank of States: #22
  • Percent of drivers in Idaho with an accident: 10.56%
  • Drivers in ID with an accident in their driving history paid on average 33.33% more than drivers with a clean record

Speeding Idaho

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Idaho drivers rank 10 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #10
  • Percent of drivers in Idaho with a speeding ticket: 12.24%
  • Drivers in ID with a speeding ticket in their driving history paid on average 24.17% more than drivers with a clean record

DUI/DWIs Idaho

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Idaho drivers rank 8 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #8
  • Percent of drivers in Idaho with a DUI: 3.2%
  • Drivers in ID with a DUI in their driving history paid on average -95.83% more than drivers with a clean record

Most Popular Vehicle Idaho

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Idaho is the Ford F-Series Pickup.

Rude Idaho

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Idaho drivers rank 2 in rude driving infractions.

  • Rank of States: #2
  • Percent of drivers in Idaho with a reckless driving violation: 3.51%
  • Drivers in ID with a reckless driving violation in their driving history paid on average 17.5% more than drivers with a clean record.

Safest Drivers Idaho

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Idaho drivers rank 42 in clean driving records across all fifty states.

  • Rank of States: #42
  • Percent of drivers in Idaho with clean record: 76.84%

Street Racing Idaho

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Idaho drivers rank 3 in street racing violations per driver.

  • Rank of States: #3
  • Percent of drivers in Idaho with a street racing violation: 0.03%

Failure to Yield the Right of Way Idaho

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Idaho drivers rank 4 in failure to yield violations per driver across all fifty states.

  • Rank of States: #4
  • Percent of drivers in Idaho with a failure to yield violation: 0.85%
  • Drivers in ID with a failure to yield violation in their driving history paid on average 29.17% more than drivers with a clean record

Reckless Drivers Idaho

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. Among all fifty states, Idaho drivers rank 12 in the number of reckless driving offenses per driver.

  • Rank of States: #12
  • Percent of drivers in Idaho with a reckless driving offense: 0.19%

Hybrid/Electric Vehicle Ownership Idaho

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Idaho drivers rank 40 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #40
  • Percent of drivers in Idaho with a hybrid/electric vehicle: 0.59%

Greenest Cities in Idaho

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

Idaho has well-documented air pollution issues. Among the most pressing concerns in the state are the smoke levels that are obscuring the Foothills region, which is said to have contributed to a rise in pulmonary disease. The state of Idaho offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities

Meridian

Greenes Cities
% of Hybrids / Electrics
2%
Most Patriotic City

Most Patriotic City

Boise

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Twin Falls won Insurify's Most Patriotic Cities Award for the state of Idaho. The city has become notable for its cultural and ethnic diversity in recent years.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Idaho is vital for all car insurance shoppers hitting the road in The Gem State.

road with cars illustration

Road Rankings

14%Rural Roads in
Poor Condition

#14
Ranked

10%Structurally Deficient
Rural Bridges

#9
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#13
Ranked


FAQs - Idaho Car Insurance

Which companies offer the cheapest car insurance in Idaho?

The truth is, the cheapest car insurance company for you will likely be different than the ones cheapest for other drivers. That’s because each car insurance company has its own way of calculating risk, putting different emphasis on the factors that influence your rate. These factors include location, driving history, credit score, age, gender, and marital status. The best way to find cheap car insurance in Idaho is to do some comparison shopping. By doing so, you will get a broad view of the cost of insurance specific to your driving profile. The old way to do this was to contact each insurance company one-by-one, giving out your personal information, and generating separate quotes.  Nowadays, you can do this in just a few minutes using Insurify. Enter your information one time and get six or more real quotes without handing your personal information out to every company. You’ll also be able to adjust your coverage options to see the full range of costs available to you. Once you decide which company you want, you just click a button and you’ll be able to purchase your car insurance policy within a few minutes.

Which company offers the best car insurance in Idaho?

This will largely depend on the kind of car insurance company you want to do business with. What’s most important to you in car insurance? Do you need a company with excellent customer service or do you prize easy-to-use technology? Do you prefer a company with in-person agents or one with a 24/7 customer service line? Maybe it really comes down to price? Knowing the answers to these questions and making a list of your priorities will help you narrow down your choices and, more importantly, choose between companies offering a similar price. 

How do I lower my car insurance rate in Idaho?

If you’re having trouble finding cheap car insurance, there are several things you can do to get a better rate. Here are some ideas: Go through all the discounts the company offers and use all the discounts you’re can, sign up for a telematics program, remove coverage you don’t need, like comprehensive if your car is older, find a way to go low mileage, enroll in an inexpensive defensive driving course approved by your insurance company, ask your agent for ideas to lower your rate, don’t forget that discount programs come and go quickly, so you may be eligible for a discount that wasn’t available when you first signed up. It’s also a great idea to run your numbers at least a month before your policy renews just to see if a lower rate is available. Keep in mind that you can almost always change your insurance company without paying a penalty, even in the middle of your policy term. 

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.