Best Car Insurance in Idaho (2026)
Progressive, State Farm, and USAA offer the best car insurance policies in Idaho.
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Written byLindsay VanSomeren
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Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
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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. | 607 |
|---|---|
| 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. | 8.7 /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. | $42/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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 10 reviews from Idaho driversSee all 8,379 Progressive reviews
Verified Review
Reviewed in Idaho on April 6, 2026
The cost of insurance rises with very little justification.
Verified Review
Reviewed in Idaho on February 16, 2026
Shop around to verify that you are getting the best bang for your buck.
Verified Review
Reviewed in Idaho on January 17, 2026
It's Progressive. They are fine, I just need a better price.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
607NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.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. | $33/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. | $53/mo |
4.2
Best choiceBased on 17,224 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 7 reviews from Idaho driversSee all 7,409 State Farm reviews
Verified Review
Reviewed in Idaho on April 13, 2026
The company is fine, but the price of anything and everything is the problem. Good product!
Verified Review
Reviewed in Idaho on February 11, 2026
My agent is great.
Verified Review
Reviewed in Idaho on January 26, 2026
The rates are very high, and when I canceled, they still overcharged me, I believe.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
656NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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 | 4.2 |
|---|---|
| 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. | 9.1 /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. | $45/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. | $71/mo |
4.2
Best choiceBased on 3,445 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 3.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 5 reviews from Idaho driversSee all 1,537 USAA reviews
Verified Review
Reviewed in Idaho on March 29, 2026
Actually, I've had USAA for quite some time. I was looking to see if I could find cheaper and better offers, but in my case, USAA couldn't be beat. Every time I have needed to use them, they have been prompt and helpful.
Verified Review
Reviewed in Idaho on January 27, 2026
I'd shop for a different policy and probably change policies often enough for discounts. We've paid a huge amount staying with the same company for 20 years.
Verified Review
Reviewed in Idaho on December 15, 2025
Check and compare rates often.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
743NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 | 4.5 |
|---|---|
| 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. | 8.6 /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. | $245/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. | $450/mo |
4.5
Best choiceBased on 194 verified driver reviews and ratings
Amica's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 104 Amica reviews
Verified Review
Reviewed in Massachusetts on March 23, 2026
Amica is great. Customer service and claims both have great communication. It's just too pricey for my budget right now.
Verified Review
Reviewed in Massachusetts on March 1, 2026
Easy to work with.
Verified Review
Reviewed in Texas on February 26, 2026
Customer service is pretty good, but rates have gone up enough to make me look around.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
709NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.57A.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
| User Reviews | 3.8 |
|---|---|
| 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. | $66/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. | $110/mo |
3.8
A solid optionBased on 1,468 verified driver reviews and ratings
Direct Auto's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.2 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviews
Verified Review
Reviewed in Ohio on April 17, 2026
I'm paying way too much and I don't even have full coverage.
Verified Purchase
Reviewed in Alabama on April 14, 2026
Very pleasurable and easy process.
Verified Review
Reviewed in North Carolina on April 13, 2026
They tried to charge me for other drivers in my household even after I supplied their insurance information.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not ratedNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not ratedA.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.
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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 $61 per month for liability coverage and $104 for full coverage.
In contrast, drivers nationwide pay an average of $97 per month for liability and $183 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 $140 per month. By coverage level, Idaho residents pay $97 per month for minimum liability and $183 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."
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Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego