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Cheap Auto Insurance in Idaho 2022

Drivers in Idaho pay rates starting at $31/mo. for car insurance.

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Sarah Sharkey
Written by
Sarah Sharkey
Sarah Sharkey
Written by
Sarah Sharkey
Insurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Tanveen Vohra
Edited by
Tanveen Vohra
Photo of an Insurify author
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.

Updated November 16, 2022

Idaho drivers enjoy relatively affordable auto insurance rates. With an average rate of $167 per month, the Gem State ranks as the 15th-cheapest state for buying car insurance.

Idaho motorists can maximize their chances of finding affordable car insurance by comparing quotes online. By providing basic information about your driving record, vehicle, and more, you can easily compare quotes from multiple top insurance companies.

Quick Facts

  • The average cost of car insurance in Idaho is $167/mo.

  • Travelers is the cheapest provider in Idaho, with average rates of $80/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Idaho: Travelers

1
Travelers logo

Travelers

Best Cheap Car Insurance
Average Monthly Cost:
$80
Insurify Composite Score:
80

Car insurance companies decide on premiums by using unique methodologies that factor in driving history, personal information, vehicle type, and more. Drivers in Idaho pay a wide range of car insurance rates, with the average monthly rate starting as low as $80 with Travelers and reaching as high as $220 with The General. Compare quotes and ICS ratings below.

Car Insurance CompanyInsurify Composite ScoreThe 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.Average Monthly Quote
Travelers80$80
State Farm88$117
Nationwide89$118
USAA96$124
GEICO88$146
Safeco86$111
StilwaterN/A$115
Erie85$118
Foremost SignatureN/A$118
Midvale Home & AutoN/A$141
Liberty Mutual82$146
DairylandN/A$148
Kemper SpecialtyN/A$155
American Family89$157
ProgressiveN/A$178
Allstate85$197
Bristol WestN/A$209
The GeneralN/A$220
Farmers85$247
AmicaN/A$490
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

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

What to know about minimum car insurance requirements in Idaho

Even though 88% of all land in Idaho is considered rural, according to the state government, you’ll still need to insure your vehicle. Idaho requires insurance for all motor vehicles operated or parked on state roadways. You’ll also need to carry proof of insurance in your car at all times. It must be available when someone in law enforcement asks to see it, you renew your registration, or you’re involved in an accident.

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

  • $25,000 per person and $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 and underinsured motorist coverage: Underinsured and uninsured 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

Drivers can obtain or renew a driver’s license, register a car, transfer a title, and tackle most other vehicle-related paperwork online or in person at the Idaho Division of Motor Vehicles (DMV).[2] More specific information is available through online resources from the Idaho DMV, and in-person offices are spread throughout the state.

Public transportation in Idaho

Idaho has very limited public transportation options in the vast majority of the state. However, bus and other transportation options are available in more populous areas, like Nampa, Boise, and Twin Falls.[3] In many cases, operating a vehicle of your own will be the most efficient way to travel throughout your city and state.

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Tips for getting cheap car insurance in Idaho

When determining your annual premium for car insurance, companies consider a wide variety of factors, including your age, credit history, driver profile, and driving record. Depending on your circumstances, you might find your rates are different from the average car insurance rates in Idaho. Compare quotes from multiple providers to find the best deal for you.

You can also look into discounts, like bundling your home and auto policies with just one insurance company, or enrolling in an insurer’s telemetrics program that monitors and rewards good driving habits.

Liability-only vs. full-coverage insurance in Idaho

Most states have minimum insurance requirements, and each sets its own minimums for liability. If you choose liability-only auto insurance, your coverage will only pay for expenses related to injuries and damage to the other party’s car if you cause an accident. Generally, liability-only insurance is the cheapest you can buy, and it may be a good choice for you if:

  • Your vehicle is fully paid for.

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

Full-coverage insurance, which includes basic liability plus collision and comprehensive coverage, provides greater protection, and may be a good choice if you have a high-value vehicle, couldn’t afford to repair or replace it out of your own pocket, and your car’s actual cash value is more than your annual premium costs. Collision coverage pays for damages to your car, even if you’re at fault for an accident.

If you leased or financed your car, your lender or leasing company will likely require you to carry full coverage. 

Here’s a look at the cheapest auto insurance in Idaho by policy type.

Car Insurance CompanyAverage Monthly Quote: LiabilityAverage Monthly Quote: Full Coverage
American Family$58$157
GEICO$54$146
State Farm$43$115
Travelers$50$80
USAA$46$124
Allstate$73$197
Amica$182$490
Bristol West$120$209
Dairyland$98$148
Erie$44$118
Farmers$92$247
Foremost Signature$48$118
Kemper Specialty$93$155
Liberty Mutual$113$146
Midvale Home & Auto$120$141
Nationwide$98$121
Safeco$60$111
Progressive$66$178
Stillwater$31$115
The General$138$220
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your driving history affects Idaho car insurance rates

Your driving history is the factor that most influences your car insurance costs. If you have a clean driving record that’s free of serious traffic violations like speeding tickets or reckless driving, you may be able to get the best car insurance rates in Idaho. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Idaho based on driving and accident history.

See More: High-Risk Car Insurance Idaho

Car Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
American Family$127$357N/A$212
Farmers$96$269N/A$160
Nationwide$110$169N/A$169
State Farm$118$332N/A$197
Travelers$75$93$88$95
Allstate$160$449N/A$266
Amica$397N/AN/A$661
Bristol West$176$303$172$290
Dairyland$138$187$131$168
Erie$316N/AN/A$527
Foremost Signature$115$161N/A$162
GEICO$200$562N/A$333
Kemper Specialty$128$260$155$192
Liberty Mutual$127$198$95$199
Midvale Home & Auto$128$191$144$179
Progressive$144$405N/A$240
Safeco$92$119N/A$145
Stillwater$149N/A$42$113
The General$195$260$214$291
USAA$184$517N/A$307
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Idaho SR-22 Car Insurance

SR-22 insurance in Idaho

If you have a DUI on your driving record, your license might be suspended. In that case, the state of Idaho requires you to file proof of your car insurance policy. To complete this requirement, you can file an SR-22 form with the Idaho Transportation Department’s Division of Motor Vehicles (DMV).[4] You’ll also need to file a reinstatement fee to get back on the road.

How credit scores affect Idaho car insurance quotes

Some states bar insurers from considering credit information when making decisions about insurance premiums. But in Idaho, insurers can consider credit scores because auto insurers view it as an indicator of risk. Generally, drivers with good and excellent credit scores pay less for car insurance than those with average or poor credit scores.

Credit TierAverage Monthly Quote
Excellent$157
Good$186
Average$204
Poor$316
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Bad Credit Car Insurance Idaho

How your city affects Idaho car insurance quotes

Where you live within the state of Idaho impacts your auto insurance rates. Location-based factors like crime rates, average commuting times, population, and more can affect how much you pay. In general, drivers in cities pay more for car insurance than those in rural areas. In Idaho, the cities with the highest rates include Cocolalla, Mountain Home AFB, and Horseshoe Bend.

CityAverage Monthly Quote
Boise$136
Caldwell$186
Cocolalla$320
Coeur D’Alene$150
Eagle$148
Hayden$162
Horseshoe Bend$257
Idaho Falls$127
Lewiston$175
Meridian$162
Mountain Home$167
Mountain Home AFB$348
Nampa$137
Pocatello$191
Post Falls$147
Preston$255
Rexburg$185
Twin Falls$106
Victor$249
Worley$57
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your age affects your Idaho car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Age GroupAverage Monthly Rate
Teenagers$391
Under 25$218
20s$143
30s$112
40s$171
50s$102
60s$84
70s$129
80+$195
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for younger drivers

Idaho has a graduated licensing program for teenagers, designed to help them gain experience safely before they’re fully licensed. Drivers younger than 17 must complete classroom instruction, behind-the-wheel instruction, and in-car observation. They also must complete at least six months of supervised driving.

As in virtually every state, Idaho teen drivers face higher insurance rates than motorists over the age of 25.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
Bristol West$165$280$350$241
Dairyland$134$192$212$188
Liberty Mutual$174$212$245$193
Foremost SignatureN/A$137N/AN/A
Kemper Specialty$128$204$281$172
Midvale Home & AutoN/A$176$178N/A
NationwideN/A$164N/AN/A
ProgressiveN/A$268N/AN/A
SafecoN/A$142$144N/A
The General$168$282$324N/A
TravelersN/A$89N/AN/A
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for middle-aged drivers

Generally, once you’ve passed age 25 and logged more driving hours, your car insurance rates will likely begin to decline, especially if you maintain a clean driving record.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
Bristol West$83$170$226$299
Dairyland$63$121$137$229
Liberty Mutual$54$106$120$193
Foremost SignatureN/A$122N/AN/A
Kemper Specialty$55$116N/A$205
Midvale Home & Auto$83$126N/A$233
Nationwide$72$105N/AN/A
ProgressiveN/A$111N/AN/A
Safeco$55$91N/AN/A
StillwaterN/A$81N/AN/A
The General$115$193$202$362
TravelersN/A$75N/AN/A
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for senior drivers

Senior drivers in Idaho enjoy some especially low insurance rates. For example, minimum coverage with Liberty Mutual can be as cheap as $41 per month. However, infractions like an accident or DUI will significantly increase rates for senior drivers.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
Bristol West$75$152$110$275
Dairyland$59$104$86$201
Liberty Mutual$41$80$60$145
Kemper Specialty$45$112$66$211
Midvale Home & AutoN/A$110N/AN/A
NationwideN/A$86N/A$163
SafecoN/A$78N/A$155
The General$123$177$180$368
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Idaho car insurance FAQs

  • The top providers with the cheapest car insurance in Idaho include Travelers, State Farm, and Nationwide. Smaller auto insurers like Stillwater and Midvale Home & Auto also offer Idaho drivers affordable rates. The lowest available full-coverage policy quote comes from Travelers, at $80 per month. State Farm provides the cheapest liability-only quote, at $43 per month.

    By driver age, Liberty Mutual consistently quotes the most affordable car insurance rates for middle-aged and senior Idaho drivers. Travelers is the cheapest provider for drivers with speeding tickets or at-fault accidents on their driving records.

  • Around 21% of drivers in Idaho have a driving incident on their record, and the state ranks as one of the least-safe states to drive in — 48th, to be exact. Idaho drivers rank 11th in speeding tickets, 8th in DUIs, and 20th in accidents in the country. All these factors influence rates for drivers with any recorded infraction, especially a DUI.

    The most significant influence on insurance costs in Idaho is age. Young drivers under the age of 25 consistently pay much higher rates than middle-aged and senior drivers in Idaho. For example, teen drivers pay an average monthly rate of $391, while drivers in their 60s pay the lowest rates of $84 per month on average.

  • On average, Idaho drivers spend $167 per month on car insurance, which is much less than the national average rate of $233 per month. Idaho is in the top 30% of cheapest states for car insurance, making it an ideal place for finding affordable coverage. With the exception of Wyoming, Idaho offers cheaper car insurance coverage than all its neighboring states.

    Auto insurance providers calculate premiums based on location, driver profile, and industry factors. In the past year or so, Idaho drivers have faced increased average premiums from a number of auto insurers. In the beginning of 2021, for example, average monthly rates were $122. Supply chain issues and increased costs of repairs and replacements increase rates.

  • Top providers offering the cheapest rates in Idaho include State Farm, Nationwide, and USAA, alongside smaller auto insurers like Safeco and Stillwater. With an A++ rating from A.M. Best and a AA from Standard & Poor’s, State Farm maintains good financial stability for its policyholders.

    USAA also has an A++ from A.M. Best, and an AA+ from Standard & Poor’s. Nationwide is the lowest ranked of the three top insurers in Idaho, with an A+ rating from A.M. Best and an A+ from Standard & Poor’s.

  • No, personal injury protection (PIP) coverage is not required for Idaho drivers because it is an at-fault state. The only required coverage types in the state include bodily injury liability and property damage liability. Uninsured or underinsured motorist coverage is recommended.

    Drivers are also not required to purchase medical payments coverage, or MedPay, which is sometimes required by states that do not require PIP coverage. MedPay coverage, when required, helps cover costs related to a car accident, like medical bills and ambulance fees. Unlike with PIP coverage, Idaho drivers do have the option to purchase MedPay coverage.

  • Yes, car insurance is required in Idaho. To remain in legal compliance with the state, Idaho drivers need to purchase minimum insurance requirements, including:

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

    • $15,000 per accident for property damage liability coverage[5]

    • $50,000 per accident for uninsured/underinsured motorist coverage

    Bodily injury liability provides coverage for the medical bills of anyone other than the policyholder in the event of an at-fault accident, and property damage liability covers repairs necessary for another person’s property. Lastly, optional uninsured/underinsured motorist coverage goes toward costs from an accident caused by a driver with little or no insurance.

  • Auto insurance coverage in Idaho typically follows the car rather than the insured driver. Most auto insurance policies will follow the car, including bodily injury liability, property damage liability, collision coverage, comprehensive coverage, and full-coverage insurance.

    If someone has an accident while borrowing your car, your auto coverage should still provide the same level of coverage as if you were the one behind the wheel. If your coverage doesn’t cover everything, the personal coverage of the insured driver borrowing your car may also apply. It’s never a good idea, however, to let an uninsured motorist drive your vehicle.

  • Full-coverage car insurance is a type of coverage that combines elements of liability, comprehensive, and collision coverage. As the only coverage type required in Idaho, liability coverage provides bodily injury and property damage coverage for costs related to people affected by an at-fault accident other than the policyholder.

    Comprehensive coverage provides protection for costs related to vehicle incidents from vandalism and natural disasters but does not cover car accidents. Collision coverage, on the other hand, simply covers costs related to repairs associated with a car accident. Drivers in densely populated areas or with expensive vehicles should consider a full-coverage policy.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Sources

  1. Idaho Department of Insurance. "State Minimum Car Insurance." Accessed November 16, 2022
  2. Idaho Transportation Department. "Division of Motor Vehicles." Accessed November 16, 2022
  3. Valley Regional Transit. "Routes." Accessed November 16, 2022
  4. Idaho Transportation Department Division of Motor Vehicles. "DMV: Be Sure to Insure." Accessed November 16, 2022
  5. Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed November 16, 2022
Sarah Sharkey
Written by
Sarah Sharkey
Linkedin

Insurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Learn More
Tanveen Vohra
Edited by
Tanveen Vohra
Linkedin

Editorial Manager

Photo of an Insurify author
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.