Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
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.
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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On average, Idaho drivers pay $141 per month for full-coverage car insurance, much lower than the national average of $212. Rates are low partially due to the state’s high number of rural areas and seventh-lowest population density.[1]
Your auto insurance rate will be affected by more than just your location and company, though. Insurers consider factors such as your age, driving history, and credit score when determining your premium. 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.
Auto insurers in Idaho can consider your credit history when determining your premium.
Idaho is a fault-based insurance state.
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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.
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.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$108/mo
State Farm is America’s largest insurance company by market share, according to the National Association of Insurance Commissioners (NAIC). It has a wide selection of coverages, including rideshare insurance, car rental insurance, and travel expenses coverage.
Many car insurance companies discount policies for drivers who also purchase homeowners or renters insurance, but State Farm also offers discounts for auto and life insurance bundles, giving you an additional way to save.
Pros
Rideshare and other less-common coverages available
Savings possible via bundling car insurance with other policies
Highest IQ Score of any Idaho insurer surveyed by Insurify
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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$98/mo
USAA caters specifically to current and past members of the U.S. military, pre-commissioned officers, and spouses and children of those eligible. It’s membership-based, so you’ll have to join to take advantage of its auto insurance and other products, but there’s no cost to do so.
Pros
Perks like travel deals, home security discounts, and shopping rewards
Can choose between usage-based and standard policies
Online claims filing available
Cons
Live customer service not available on Sundays
Roadside assistance costs extra
Membership limited to military members and their families
Overall poor service, took a safe driving discount away because I wasn’t driving enough.
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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$112/mo
GEICO is well known among drivers looking for low-cost auto insurance, but it has more going for it than cheap rates. It has reliable customer service and offers a variety of discounts. GEICO also has an easy-to-use website and full-featured mobile app that’s rated 4.6 out of five stars on Google Play and 4.8 out of five stars on the App Store.
Pros
Highly rated mobile app
24/7 customer assistance available
Many discounts, including for vehicle equipment and membership with a partner organization
Cons
Only one local agent in Idaho
May not discount auto/home bundles
Low customer ratings on BBB website
Good communication
John - February 4, 2023
Verified
They offer the best rate.
Shannon - February 1, 2023
Verified
Any time I called them, they were on top of it and gave me an answer right away.
As one of America’s most rural states, Idaho auto rates are among the nation’s lowest. In fact, Idaho ranks 12th-cheapest for liability-only car insurance, according to Insurify’s internal data.
Liability insurance 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: Monday, September 18 at 12:00 PM PDT.
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.
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. It typically consists of:
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 motorist coverage, when you purchase full coverage for your car.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
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.
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.
Alternatively, you can self-insure by posting an indemnity bond with the director of the state department of insurance.
Here are the minimum coverages you’ll need in Idaho:
Bodily injury liability
$25,000 per person
$50,000 per accident
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]
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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, 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. 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: Monday, September 18 at 12:00 PM PDT.
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.
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
An at-fault accident is likely to result in your insurance company imposing a surcharge. 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.
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: Monday, September 18 at 12:00 PM PDT.
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.
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 increase your auto insurance rate or even cause insurers to refuse to provide you coverage.
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: Monday, September 18 at 12:00 PM PDT.
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.
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 75, 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: Monday, September 18 at 12:00 PM PDT.
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.
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: Monday, September 18 at 12:00 PM PDT.
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.
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.
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.
Have your teen drive an inexpensive car. Consider having your teenager drive the lowest-value car in your household.
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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 costs $151 per month, on average. Drivers in the state pay $190 per month for full-coverage insurance and $112 per month for liability coverage. Your specific rate will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.
What are the best car insurance companies in Idaho?
With an Insurify Quality (IQ) Score of 4.4 out of 5 and an A.M. Best financial strength rating of A++ (Excellent), State Farm is the best car insurance company in Idaho. Of the insurers Insurify has rate data for, other top Idaho auto insurers include USAA, GEICO, American Family, and Allstate.
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 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.
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.
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.
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.
State Farm
USAA
GEICO
