Cheapest Car Insurance Quotes in Idaho
Auto-Owners offers the cheapest car insurance in Idaho, at $31 per month. Shop real-time quotes for Idaho and buy your policy all in one place with Insurify.
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Written byJessica Martel
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Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
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Edited bySara Getman
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Sara GetmanAssociate Editor
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
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Cheapest car insurance quotes in Idaho
Idaho drivers pay an average monthly premium of $83, much lower than the national average of $140. In Idaho, liability-only coverage averages $61 per month, and full coverage is $104.
Idaho’s lower minimum coverage requirements and a low population density might help explain why Idaho auto insurance rates are cheaper than the national average.[1]
The following table highlights companies offering cheap car insurance in Idaho for both liability-only and full-coverage policies.
Driver Category  | Cheapest Insurance Company in ID | Cheapest Monthly Quote in ID |
|---|---|---|
| Overall | Auto-Owners | $31 |
| State-minimum coverage | Auto-Owners | $31 |
| Full coverage | Auto-Owners | $49 |
| Drivers with a clean record | Auto-Owners | $31 |
| After a speeding ticket | Auto-Owners | $42 |
| After an at-fault accident | Auto-Owners | $42 |
| After a DUI | Auto-Owners | $43 |
| Teen/new drivers | Auto-Owners | $69 |
| Seniors | Auto-Owners | $24 |
| Bad credit | Auto-Owners | $46 |
Disclaimer: Table data is based on real-time Idaho quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest liability-only car insurance in Idaho: Auto-Owners
Idaho drivers must maintain minimum bodily injury liability and property damage liability coverage. Liability insurance protects the other driver and their property if you cause an accident, and Idaho’s minimum requirements are similar to those in neighboring states, like Montana and Wyoming.
Auto-Owners offers the cheapest liability-only car insurance in the Gem State.
The data in the following table shows several of the cheapest liability-only car insurance rates in Idaho.
The below rates in Idaho are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $31 |
| State Farm | $33 |
| Progressive | $42 |
| USAA | $45 |
| GAINSCO | $53 |
| GEICO | $56 |
| National General | $57 |
| American Family | $58 |
| Safeco | $65 |
| Direct Auto | $66 |
| Bristol West | $69 |
| Dairyland | $73 |
| Liberty Mutual | $77 |
| Liberty Mutual | $77 |
| The General | $84 |
| Travelers | $91 |
| Allstate | $93 |
| Nationwide | $104 |
| Farmers | $107 |
Disclaimer: Table data sourced from real-time Idaho car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Idaho may vary based on the policy buyer's unique driver profile.
Agent Tip: Does liability-only coverage offer enough protection in Idaho?
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Anuj Desai
Anuj Desai | Digital Insurance Agent | Insurify, Insurify
While basic liability insurance is very affordable in Idaho, it leaves drivers with major coverage gaps. For example, if you cause an accident and you only have liability coverage, any damage to your car isn’t covered. While full coverage is a bit more expensive, it could save you a lot in the long run on repair or replacement costs.
Cheapest full-coverage car insurance in Idaho: Auto-Owners
If you regularly travel on the beautiful but unforgiving Highway 55, you might consider a full-coverage policy. During the Memorial Day and Labor Day tourist season, this scenic highway consistently sees destructive crashes that full coverage can cover.
Full-coverage auto insurance in Idaho combines collision coverage and comprehensive coverage in addition to higher liability limits. Collision coverage helps pay to repair or replace your car if you’re in an accident or hit an object.
Comprehensive coverage pays for your vehicle if something other than a collision damages it, such as hail or a collision with a deer. This is a good coverage option in Idaho, where each year an average of 1,010 crashes per year involve wildlife.[2]
Auto-Owners currently offers some of the cheapest full-coverage premiums in Idaho.
The data in the following table shows more insurers offering cheap full-coverage in Idaho.
The below rates in Idaho are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $49 |
| State Farm | $53 |
| USAA | $71 |
| GEICO | $89 |
| American Family | $93 |
| Safeco | $98 |
| National General | $109 |
| Direct Auto | $110 |
| Liberty Mutual | $114 |
| Liberty Mutual | $114 |
| GAINSCO | $126 |
| Travelers | $145 |
| Allstate | $148 |
| Dairyland | $148 |
| Bristol West | $152 |
| Nationwide | $166 |
| Farmers | $171 |
| The General | $237 |
Disclaimer: Table data sourced from real-time Idaho car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Idaho may vary based on the policy buyer's unique driver profile.
Cheapest recent car insurance quotes in Idaho
Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $49/mo for full coverage in Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $49/mo for full coverage in ..
*Quotes generated for Insurify users from Idaho within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Idaho within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Best cheap car insurance companies in Idaho
Idaho drivers are lucky to pay insurance rates below the national average. Low minimum requirements and one of the nation’s lowest uninsured driver rates help keep the cost of car insurance down in the state.
Comparing quotes from the best car insurance companies in Idaho can help you find the coverage that fits your needs and budget.
Auto-Owners: Best for farmers in Idaho
| User Reviews | 4.3 |
|---|---|
| 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. | 8.2 /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. | $31/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. | $49/mo |
4.3
Best choiceBased on 326 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 149 Auto-Owners reviews
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
Verified Review
Reviewed in Florida on March 21, 2026
Definitely not the cheapest insurance you can buy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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
One out of every nine jobs in Idaho is tied to the state’s agricultural industry, and farmers have unique insurance needs. Auto-Owners is a good choice for Idaho farmers because it offers multiple farm insurance coverages in addition to car insurance, making it easy to maintain all your policies in one place.
Plus, you may qualify for a multi-policy discount. Auto-Owners is also one of the cheapest car insurers in Idaho. It offers multiple discounts and has many local agents in the state.
Pros
Wide network of local, independent agents in Idaho
AM Best financial strength rating of A+ (Superior)
Multiple discounts
Cons
Low Trustpilot score
Online quotes not available
Below-average J.D. Power claims satisfaction score
State Farm: Best for teen drivers in Idaho
| User Reviews | 4.0 |
|---|---|
| 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 |
4.0
Best choiceBased on 16,800 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Showing 6 reviews from Idaho driversSee all 7,345 State Farm reviews
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.
Verified Review
Reviewed in Idaho on January 25, 2026
I left Allstate after our agent told us we would have a cheaper payment. Not the case. Our monthly payment went from $200 to almost $500.
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
In Idaho, more than one out of every five crashes involve a teen driver, and due to the increased risk, teen driver insurance rates can be very high. State Farm offers three separate discounts aimed at Idaho teenagers. Save up to 25% through a good driver discount, which is available until your teen turns 25. You may also qualify for the company’s driver training discount or its student away at school discount if your teen leaves for college and uses the car only when they’re home.
Pros
Online quotes available
Several discounts for Iowa teens
Above-average J.D. Power claims and customer satisfaction ratings
Cons
No accident-forgiveness coverage
No gap insurance coverage
Low Trustpilot score
USAA: Best for military members in Idaho
| 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. | 9.1 /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 |
4.9
Best choiceBased on 3,364 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Showing 6 reviews from Idaho driversSee all 1,522 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 provides car insurance to military members, veterans, and eligible family members. Idaho is home to the Army National Guard, Air National Guard, and Mountain Home Air Force Base, meaning many drivers can potentially benefit from USAA’s military-focused benefits and exceptional customer service.
Plus, if you practice safe driving, you can save up to 30% with USAA’s SafePilot telematics program.
Pros
Military-focused discounts
Save up to 30% with the SafePilot program
Above-average J.D. Power customer satisfaction rating in the Northwest
Cons
Limited membership eligibility
Low Trustpilot score
Above-average number of complaints with the National Association of Insurance Commissioners (NAIC)
How car insurance costs in Idaho have changed
Idaho has some of the cheapest full-coverage premiums, according to an Insurify report. Low rates can be attributed to Idaho’s low population density, which can result in fewer people on the road and fewer crashes.
Idaho’s average car insurance rates are expected to get even lower, with an expected decrease of 0.5% by the end of 2026. This would result in average rates of $1,244 per year, according to Insurify data.
Average car insurance costs in Idaho over time
The following graph shows how the average car insurance rates in Idaho have changed over the last five years.
Average Idaho Car Insurance Rates Over the Past Five Years
State Name | 2021-03 | 2021-04 | 2021-05 | 2021-06 | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Idaho | 941 | 950 | 961 | 973 | 970 | 968 | 970 | 977 | 982 | 982 | 976 | 976 | 965 | 987 | 992 | 1,000 | 1,001 | 986 | 997 | 1,008 | 1,010 | 1,024 | 1,029 | 1,030 | 1,050 | 1,073 | 1,093 | 1,132 | 1,169 | 1,200 | 1,216 | 1,229 | 1,224 | 1,248 | 1,288 | 1,355 | 1,391 | 1,426 | 1,492 | 1,522 | 1,527 | 1,567 | 1,574 | 1,599 | 1,628 | 1,621 | 1,622 | 1,612 | 1,590 | 1,591 | 1,583 | 1,521 | 1,463 | 1,394 | 1,337 | 1,316 | 1,305 | 1,310 | 1,303 | 1,301 | 1,305 |
| United States | 1,569 | 1,560 | 1,557 | 1,553 | 1,555 | 1,559 | 1,559 | 1,564 | 1,567 | 1,569 | 1,570 | 1,573 | 1,580 | 1,594 | 1,604 | 1,609 | 1,614 | 1,620 | 1,627 | 1,634 | 1,642 | 1,653 | 1,667 | 1,690 | 1,721 | 1,759 | 1,803 | 1,851 | 1,888 | 1,920 | 1,958 | 1,985 | 2,007 | 2,037 | 2,077 | 2,129 | 2,195 | 2,241 | 2,301 | 2,342 | 2,369 | 2,390 | 2,386 | 2,373 | 2,370 | 2,361 | 2,349 | 2,364 | 2,366 | 2,366 | 2,355 | 2,341 | 2,318 | 2,286 | 2,257 | 2,228 | 2,215 | 2,222 | 2,223 | 2,224 | 2,233 |
Find Cheap Car Insurance in Idaho
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Idaho car insurance requirements
Idaho law requires all vehicles to have a combination of liability coverage, including bodily injury liability and property damage liability.
Insurers are also required to offer uninsured motorist coverage (UM) and underinsured motorist (UIM) coverage, but Idaho drivers aren’t required to carry it. If you decline UM/UIM, you must sign a form to acknowledge you’re rejecting the coverage.
To meet Idaho’s minimum car insurance requirements, you need to have the following coverage:
Type of Coverage | Idaho Requirement |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $15,000 |
Car insurance rates across Idaho cities
Thanks to Idaho’s low population density, car insurance rates remain relatively low across the state. Boise tends to have some of the lowest rates, while Idaho Falls is more expensive.
Below is a comparison of the average monthly rates across several Idaho cities.
City | Average Monthly Quote |
|---|---|
| Boise | $87 |
| Idaho Falls | $91 |
| Pocatello | $83 |
| Twin Falls | $82 |
Disclaimer: Table data is based on real-time Idaho quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Car insurance quotes in Idaho for drivers with a clean record: Auto-Owners
Auto-Owners offers the most affordable car insurance coverage in Idaho for people with a clean driving record, at $31 per month for a liability-only insurance policy.
The following table shows the cheapest liability quotes in Idaho for drivers with a clean record.
The below rates in Idaho are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $29 |
| State Farm | $31 |
| Progressive | $40 |
| USAA | $42 |
| GAINSCO | $48 |
| National General | $50 |
| GEICO | $53 |
| American Family | $55 |
| Direct Auto | $60 |
| Bristol West | $65 |
| Safeco | $66 |
| Dairyland | $66 |
| The General | $77 |
| Liberty Mutual | $77 |
| Liberty Mutual | $77 |
| Travelers | $84 |
| Allstate | $89 |
| Nationwide | $95 |
| Farmers | $99 |
Disclaimer: Table data sourced from real-time Idaho car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Idaho may vary based on the policy buyer's unique driver profile.
Cheapest car insurance in Idaho for drivers with a speeding ticket: Auto-Owners
Nearly 6% of Idaho drivers have gotten a speeding ticket. Depending on how far over the limit a driver is going when they’re stopped, the price of a speeding ticket can range from $90 to $157.[3]
Idaho drivers with a speeding ticket pay an average of $85 per month for liability coverage.
The table below highlights the most affordable car insurance quotes in Idaho for drivers with a speeding ticket.
The below rates in Idaho are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $42 |
| State Farm | $44 |
| Progressive | $58 |
| USAA | $61 |
| GAINSCO | $67 |
| National General | $75 |
| GEICO | $77 |
| American Family | $79 |
| Direct Auto | $87 |
| Safeco | $90 |
| Bristol West | $92 |
| Dairyland | $96 |
| Liberty Mutual | $103 |
| Liberty Mutual | $103 |
| The General | $118 |
| Travelers | $124 |
| Allstate | $127 |
| Nationwide | $142 |
| Farmers | $144 |
Disclaimer: Table data sourced from real-time Idaho car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Idaho may vary based on the policy buyer's unique driver profile.
Affordable car insurance in Idaho with an at-fault accident: Auto-Owners
In Idaho, a traffic crash occurs every 19 minutes. Some of the main contributors to single-vehicle crashes include speed and animals on the roadway. Multi-vehicle crashes are often the result of failing to yield, following too close, and distracted driving.[4]
Just over 5% of Idaho drivers have been in an accident, according to Insurify data. On average, drivers pay $42 per month for liability-only coverage in Idaho.
The following companies offer some of the cheapest rates after a car accident in Idaho.
The below rates in Idaho are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $42 |
| State Farm | $45 |
| Progressive | $58 |
| USAA | $62 |
| GAINSCO | $69 |
| GEICO | $75 |
| National General | $78 |
| American Family | $80 |
| Direct Auto | $92 |
| Safeco | $92 |
| Bristol West | $93 |
| Dairyland | $99 |
| Liberty Mutual | $104 |
| Liberty Mutual | $104 |
| The General | $118 |
| Travelers | $125 |
| Allstate | $127 |
| Nationwide | $143 |
| Farmers | $146 |
Disclaimer: Table data sourced from real-time Idaho car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Idaho may vary based on the policy buyer's unique driver profile.
Cheap car insurance quotes for Idaho drivers with a DUI: Auto-Owners
Like in many other states, driving under the influence (DUI) is a criminal offense in Idaho. If found guilty, you’ll receive a 90-day suspension at minimum, and you’ll have to pay a reinstatement fee of $285 to the Idaho Transportation Department.[5] Only 1.2% of Idaho drivers have a DUI conviction, Insurify data shows.
Idaho drivers with a DUI pay an average of $80 per month for liability coverage. Check out other cheap Idaho insurers for drivers with a DUI in the table below.
The below rates in Idaho are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $43 |
| State Farm | $45 |
| Progressive | $55 |
| USAA | $62 |
| GAINSCO | $73 |
| GEICO | $76 |
| National General | $78 |
| American Family | $80 |
| Direct Auto | $91 |
| Safeco | $95 |
| Bristol West | $95 |
| Dairyland | $100 |
| Liberty Mutual | $106 |
| Liberty Mutual | $106 |
| The General | $111 |
| Travelers | $125 |
| Allstate | $128 |
| Nationwide | $143 |
| Farmers | $147 |
Disclaimer: Table data sourced from real-time Idaho car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Idaho may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an SR-22 in Idaho: Auto-Owners
After an incident like a DUI, Idaho might require you to have an SR-22 to prove you have the minimum required insurance. An SR-22 is a form that your insurance agency files with the state to confirm you carry insurance in Idaho.[5]
Drivers in Idaho who require an SR-22 tend to pay higher insurance premiums because insurers view them as high-risk. On average, Idaho drivers with an SR-22 pay $110 per month for coverage.
Below are the best quotes for cheap SR-22 coverage in Idaho.
The below rates in Idaho are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $41 |
| State Farm | $44 |
| Progressive | $56 |
| USAA | $60 |
| GAINSCO | $70 |
| GEICO | $74 |
| National General | $76 |
| American Family | $77 |
| Safeco | $86 |
| Direct Auto | $88 |
| Bristol West | $92 |
| Dairyland | $97 |
| Liberty Mutual | $102 |
| Liberty Mutual | $102 |
| The General | $111 |
| Travelers | $121 |
| Allstate | $123 |
| Nationwide | $138 |
| Farmers | $142 |
Disclaimer: Table data sourced from real-time Idaho car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Idaho may vary based on the policy buyer's unique driver profile.
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Cheapest car insurance for teen drivers in Idaho: Auto-Owners
Teen drivers in Idaho are 2.4 times as likely as all other drivers to be involved in a fatal or injury crash, according to the Idaho Transportation Department. Because they’re higher-risk, young drivers tend to pay some of the highest premiums in the state.
Auto-Owners offers the lowest average rates for teen drivers, at $69 per month.
The table below shows the cheapest rates for teen drivers in Idaho.
The below rates in Idaho are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $69 |
| State Farm | $71 |
| USAA | $92 |
| Progressive | $93 |
| GAINSCO | $106 |
| GEICO | $113 |
| American Family | $122 |
| National General | $125 |
| Bristol West | $136 |
| Dairyland | $141 |
| Direct Auto | $141 |
| Safeco | $145 |
| Liberty Mutual | $150 |
| Liberty Mutual | $150 |
| The General | $167 |
| Allstate | $203 |
| Travelers | $208 |
| Nationwide | $224 |
| Farmers | $235 |
Disclaimer: Table data sourced from real-time Idaho car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Idaho may vary based on the policy buyer's unique driver profile.
Cheap car insurance quotes in Idaho for senior drivers: Auto-Owners
In Idaho, seniors account for 37% of all drivers, but they’re involved in half as many crashes as expected.
Auto-Owners offers the most affordable coverage for senior drivers in Idaho, with an average rate of $24 per month for liability coverage.
Below are the most affordable rates for senior drivers in Idaho.
The below rates in Idaho are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $24 |
| State Farm | $25 |
| Progressive | $35 |
| USAA | $36 |
| GEICO | $43 |
| National General | $44 |
| GAINSCO | $44 |
| American Family | $45 |
| Direct Auto | $53 |
| Safeco | $56 |
| Bristol West | $56 |
| Dairyland | $61 |
| Liberty Mutual | $63 |
| Liberty Mutual | $63 |
| The General | $70 |
| Travelers | $71 |
| Allstate | $74 |
| Nationwide | $78 |
| Farmers | $83 |
Disclaimer: Table data sourced from real-time Idaho car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Idaho may vary based on the policy buyer's unique driver profile.
Idaho car insurance quotes with bad credit: Auto-Owners
Insurance companies in Idaho can use credit-based insurance scores when calculating your premiums because insurers view drivers with a bad credit history as more likely to file a claim. But by state law, insurers can’t use your credit rating or credit history as the primary factor in determining your rates.[6]
Auto-Owners offers the most affordable car insurance to drivers with bad credit in Idaho, with an average liability premium of $46 per month.
The following table lists the cheapest car insurance quotes for drivers with bad credit in Idaho.
The below rates in Idaho are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $46 |
| State Farm | $48 |
| Progressive | $52 |
| USAA | $55 |
| GAINSCO | $65 |
| GEICO | $69 |
| American Family | $70 |
| National General | $70 |
| Safeco | $80 |
| Direct Auto | $82 |
| Bristol West | $85 |
| Dairyland | $90 |
| Liberty Mutual | $92 |
| Liberty Mutual | $92 |
| The General | $104 |
| Travelers | $112 |
| Allstate | $115 |
| Nationwide | $128 |
| Farmers | $132 |
Disclaimer: Table data sourced from real-time Idaho car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Idaho may vary based on the policy buyer's unique driver profile.
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Idaho car insurance FAQs
For more information on cheap auto insurance in Idaho, see the following answers to our most frequently asked questions.
What are the minimum car insurance requirements in Idaho?
Idaho state law requires all drivers to maintain at least 25/50/15 coverage. This means you need a minimum of $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and an additional $15,000 in property damage coverage.
What is the average annual car insurance rate in Idaho?
The average cost of car insurance in Idaho is $732 per year for liability insurance and $1,249 for a full-coverage insurance policy, according to Insurify data.
Which company has the cheapest car insurance in Idaho?
Auto-Owners is the cheapest insurer in Idaho, according to Insurify data, with rates at $31 per month for a liability policy.
What are the best car insurance companies in Idaho?
Auto-Owners, State Farm, and USAA are our top picks for the best car insurance companies in Idaho. But the right insurer for you depends on your individual needs and budget, so it’s worth comparing multiple options.
Is Idaho a no-fault state?
No. Idaho is an at-fault state, also known as a “tort” state. This means the at-fault driver is responsible for covering the other driver’s injuries or property damage.
Sources
- Idaho.gov. "Required Auto Coverage • Auto Insurance • Idaho Department of Insurance."
- Idaho Transportation Department. "Wildlife."
- Idaho.gov. "Infraction Penalty Schedule."
- Idaho.gov. "Idaho Traffic Crashes."
- Idaho Transportation Department. "Driver Records and Suspensions."
- Idaho.gov. "Section 41-1843 – Idaho State Legislature."
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
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Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
Sara GetmanAssociate Editor
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology