Best Car Insurance in Idaho (2025)
Progressive, State Farm, and USAA offer the best car insurance policies in Idaho.
Excellent
)
Written byLindsay VanSomeren
)
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
Edited byKatie Powers
)
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
){kind=small}
)
Reviewed byDaniel Roccato
)
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Table of contents
Choosing the best car insurance company may feel difficult — especially with so many options available. That’s why Insurify’s editorial team analyzed 50 different companies to find the best options for cheap car insurance in Idaho.
Here’s a closer look at the top five companies offering low average rates for Gem State residents.
Best car insurance companies in Idaho
Idaho drivers may face challenges when they hit the road. The best way to find the right auto policy for your needs is to compare quotes from multiple insurers. Start your search below, with information about five of the top car insurance companies in Idaho.
Progressive: Best overall
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 819 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $59/mo |
| 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. | $94/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (6,456)
Marshall
March 26, 2025
Verified Review
Excellent
Get many quotes.
Patricia
March 26, 2025
Verified Review
High Costs and Roadside Assistance Experience
I found the costs to be too high. I had to turn in a towing bill for my roadside assistance and was told that the check will be coming.
Catherine
March 26, 2025
Verified Review
Cats Toy
Fine. I drive less than 50 miles a week, so I have no problems to resolve.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82A.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+Why we picked this company
A popular option in the state, Progressive insures about 14% of Idaho drivers on the road.[1] The company offers some of the lowest annual premiums for full coverage and minimum coverage in the state.
Progressive is a good option for all your insurance needs. It’s one of the few insurers to offer snowmobile insurance — perfect for snow sports enthusiasts.
Pros
Many available coverages and discounts
Highest rated for digital service offerings
Local offices in 50+ Idaho towns and cities
Cons
Slightly higher average rates for minimum coverage
Below-average J.D. Power customer satisfaction rating in the Northwest region
Lower financial stability rating than some competitors
State Farm: Best for customer satisfaction
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| 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. | $118/mo |
4.2
Best choiceBased on 10,204 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,623)
Brent
March 26, 2025
Verified Review
Underwhelmed
The premiums have significantly increased over the years.
James
March 26, 2025
Verified Review
Good
Good, but I'm looking for a discount for full coverage.
Michael
March 26, 2025
Verified Review
Your rate increases for no apparent reason. My agent is never available for direct communication. They don't live up to the hype.
Your rate increases for no apparent reason. My agent is never available for direct communication. They don't live up to the hype.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
839NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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++Why we picked this company
State Farm insures slightly more residents than Progressive in Idaho, making it the top car insurance company by market share in the state. Working with a large insurer like State Farm means you can rest assured it’ll take care of your claims.
State Farm is one of the most financially stable car insurance companies on the market today. Plus, it offers numerous ways to save on your policy.
Pros
Above-average J.D. Power customer satisfaction rating in the Northwest region
AM Best financial strength rating of A++ (Superior)
Nearly 40 local offices throughout the state
Cons
Gap insurance not available
Accident forgiveness not available
Annual premiums may be higher than competitors
USAA: Best for current and former military members
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $47/mo |
| 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. | $99/mo |
4.9
Best choiceBased on 1,838 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,059)
Donald
March 26, 2025
Verified Review
Unsatisfactory Experience for Veterans
They are unsatisfactory in handling home claims. They seem to side with questionable contractors and don't pay adequate attention to the veterans. Both the claims adjuster and the mitigation company seem dishonest. I had a very negative experience.
Tammie
March 26, 2025
Verified Review
USAA
USAA has always been quick to respond. However, they don't really fight for their policy holders.
Michael
March 25, 2025
Verified Review
Other than that, they're great
The car coverage cost goes up a little too high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
863NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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++Why we picked this company
USAA has a good reputation for providing cheap car insurance and good customer service for most of its members. Idaho is home to roughly 3,500 active-duty soldiers, 5,200 reservists, and 118,000 veterans, who should qualify for membership with USAA.[2] It offers many military-specific discounts for young and old drivers alike.
Pros
Highest-rated insurer by J.D. Power in the Northwest region
Low average rates for most auto owners
Full-service banking and insurance company
Cons
No physical locations in Idaho
Not open to civilians with no military connections
Higher-than-average amount of customer complaints with the NAIC
Amica: Best for good claims service
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $150/mo |
| 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. | $274/mo |
4.1
Best choiceBased on 136 verified guest reviews and ratings
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
24/7 claims service
Bundling discounts
High customer satisfaction
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
24/7 claims service
Bundling discounts
High customer satisfaction
Reviews (81)
Kerry
March 24, 2025
Verified Review
KP Review
Extremely expensive.
Tuan
March 18, 2025
Verified Review
Very good service at a premium price
The customer service and claim handling are very good, but the policy, which used to be annual, has been split into 6-month terms like other competitors over the last few years. This change allows for higher increases.
Arlene
March 11, 2025
Verified Review
Price for Coverage Continually Increases
It's quite expensive, especially for someone who has only made two small claims.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.61A.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+Why we picked this company
You can get minimum liability coverage consistent with Idaho state laws from Amica, but it has unique premium-level car insurance packages. The company’s Platinum Choice plan includes things like deductible-free glass coverage and credit monitoring. Special touches like that are what help it stand out among Idaho auto owners.
Pros
Low rate of customer complaints filed with the NAIC
Many insurance products and service options
Highest-quality claims support among Idaho insurers
Cons
Relatively high average annual rates
No local Idaho state offices
Lower financial stability rating than some other insurers
Direct Auto: Best for SR-22 coverage
| 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 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
| 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. | $114/mo |
How drivers feel about Direct Auto
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
How drivers feel about Direct Auto
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
Reviews (318)
Sade
March 25, 2025
Verified Review
Avoid Plans Without Extensive Coverage
It's bad to pay a high price for a plan that doesn't offer extensive coverage.
Mary
March 25, 2025
Verified Review
Credit Basis
Even though they're not supposed to base it off credit, they directly base it off credit. When they were having a major issue with their computers shutting down, they ran it through my credit nearly 10 times. This affected my quote, which they would not change, and now I'm paying more.
Christina
March 25, 2025
Verified Review
The number in the app doesn't work. When I call a local office, they never answer the phone. They added my parents to my policy without my permission, even though they have their own insurance and policy with a different company.
The number in the app doesn't work. When I call a local office, they never answer the phone. They added my parents to my policy without my permission, even though they have their own insurance and policy with a different company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.02A.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).
AWhy we picked this company
Drivers with violations on their records often struggle to get cheap car insurance in Idaho, but Direct Auto can help. It offers competitive rates for second-chance Idaho drivers and numerous discounts, including for drivers younger than 21 and senior drivers older than 55.
Pros
Cheap car insurance coverage options
Specializes in high-risk auto policies
Many discounts for auto owners and older drivers
Cons
Relatively low financial stability rating
Doesn’t offer many other types of insurance in Idaho
Many customer complaints with NAIC
Our editorial team analyzed regional and national auto insurance companies that sell policies in Idaho to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Idaho
Following the tips below can help you save money on the car insurance Idaho requires all drivers to buy. See how you can save on coverage.
Revisit your coverage limits and types
Choosing a policy with the minimum coverage for bodily injury and property damage liability is one of the easiest ways to get cheap car insurance. Lenders usually require you to purchase higher coverage limits on your vehicle, so you can’t do this if you have an auto loan or lease.
A lower coverage limit is only appropriate if you can afford to pay extra costs out of pocket if needed. If you have a new or expensive car, for example, you should consider getting more robust coverage.
Improve your credit
Having good credit can help you get more than just low average rates on loans. It can help you earn more affordable annual premiums on car insurance. Companies in Idaho can consider your credit-based insurance score when determining premiums, so healthy credit can help you save on coverage.
Try setting your bills on auto pay so you don’t miss any payments, and focus on paying down high-interest debt to build your credit.
Compare car insurance quotes
Comparing quotes from multiple insurers is the best way to find cheap car insurance. It’s a good way to help you determine the best car insurance option for your needs. Experts recommend checking rates every time your insurance policy is up for renewal to get the best premiums.[3]
Even though Idaho auto owners pay a low average rate for car insurance compared to the rest of the country, you can always try to save more.
Look for relevant discounts
Many insurers offer specific car insurance discounts that Idaho drivers can easily qualify for. Common discounts reward drivers for completing a defensive driving course, maintaining a clean record, operating a safe vehicle, bundling two or more coverages, and more.
Shop for Auto Insurance
Compare quotes from real insurers in minutes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Average cost of car insurance in Idaho
Idaho auto owners live in a relatively inexpensive state for car insurance. Residents pay an average rate of $68 per month for liability coverage and $126 for full coverage.
In contrast, drivers nationwide pay an average of $105 per month for liability and $197 for full coverage.
Best car insurance in Idaho FAQs
The following information can help answer your questions about finding good car insurance in Idaho at an affordable average rate.
How much is car insurance in Idaho?
The average rate for car insurance in Idaho is $151 per month. By coverage level, Idaho residents pay $105 per month for minimum liability and $197 for full coverage.
How much you pay will ultimately depend on factors like your driving record, insurance company, age, ZIP code, and more.
What are the best car insurance companies in Idaho?
State Farm, USAA, and Progressive are a few of the best car insurance options in the state. Each company offers low average annual rates for minimum liability and full-coverage policies. Direct Auto and Amica also offer cheap car insurance options with good coverage.
What is the required auto insurance coverage amount in Idaho?
State law requires all Idaho drivers to carry minimum coverage amounts of $25,000 per person and $50,000 per accident in bodily injury liability protection and $15,000 in property damage liability protection. Insurers must also automatically include uninsured and underinsured motorist coverage, but Idaho drivers have the option to decline this coverage in writing.[4]
Sources
- National Association of Insurance Commissioners. "2023 Market Share Reports For Property/Casualty Groups and Companies by State and Countrywide."
- U.S. Department of Defense. "2023 Demographics Profile of the Military Community."
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- Idaho Department of Insurance. "Required Auto Coverage."
)
Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Lindsay has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.