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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.
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.
| Cheapest Companies | |
|---|---|
 Progressive | $26/mo |
 Allstate | $39/mo |
 State Farm | $42/mo |
 GEICO | $72/mo |
 Travelers | $74/mo |
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.
| Best Companies | ||
|---|---|---|
 Nationwide | $98/mo | |
 American Family | $158/mo | |
State Farm | $42/mo | |
GEICO | $72/mo | |
Allstate | $39/mo | |
 Liberty Mutual | $150/mo | |
Progressive | $26/mo | |
Travelers | $74/mo |
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.
| City | Cheapest Carrier | |
|---|---|---|
| Boise |  State Farm | $64/mo |
| Nampa | State Farm | $70/mo |
| Meridian | State Farm | $66/mo |
| Idaho Falls |  Allstate | $49/mo |
| Pocatello | Allstate | $45/mo |
| Caldwell | Progressive | $27/mo |
| Twin Falls | Progressive | $28/mo |
| Lewiston | Progressive | $33/mo |
| Post Falls | Progressive | $28/mo |
| Rexburg | Progressive | $28/mo |
| Moscow | Progressive | $31/mo |
| Eagle | Progressive | $32/mo |
| Kuna | Progressive | $33/mo |
| Hayden | Progressive | $31/mo |
| Mountain Home | Progressive | $26/mo |
| Blackfoot | Progressive | $32/mo |
| Garden City | Progressive | $28/mo |
| Jerome | Progressive | $28/mo |
| Coeur D Alene |  Travelers | $79/mo |
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 companies | |
|---|---|
Travelers | $57/mo |
 Safeco | $71/mo |
 Kemper Specialty | $73/mo |
Progressive | $77/mo |
 Dairyland | $83/mo |
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.
| Cheapest companies | |
|---|---|
Travelers | $88/mo |
Safeco | $126/mo |
Progressive | $127/mo |
Liberty Mutual | $154/mo |
Nationwide | $155/mo |
Every state is unique when it comes to car insurance requirements. The requirements in Idaho are only slightly higher than the national average. Minimum coverage in Idaho includes:
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)
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.
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 |
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 |
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 |
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 |
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 |
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.
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
