Cheapest Auto Insurance in Pocatello, Idaho (2026)
Pocatello drivers can find the cheapest car insurance rates from Auto-Owners. The insurer’s liability rates start at just $33 per month.
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Written byDanny Smith
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Edited byAnna Baluch
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Anna BaluchAuto and Home Insurance Writer
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Reviewed byDavid Marlett
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
Updated
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Table of contents
Drivers in Pocatello pay an overall average of $82 per month for car insurance, slightly higher than the Idaho state average of $80 but cheaper than the national average of $136 per month.
Pocatello is the sixth-largest city in Idaho, contributing to its higher-than-average rates.[1] If you’re looking for cheaper rates, it’s a good idea to compare car insurance quotes from multiple insurers.
Here’s what you need to know about cheap car insurance in Pocatello.
Quick Facts
Auto-Owners, State Farm, and USAA are the cheapest car insurance companies for Pocatello drivers.
Unless you own more than 25 vehicles, you must carry liability car insurance in Idaho.[2]
Insurers in Idaho can consider your credit history when determining your rates.
Cheapest car insurance companies in Pocatello
Fortunately, a variety of reputable car insurance companies serve drivers in the Pocatello, Idaho, community. Factors like your location, marital status, and driving record all play a role in which car insurance agencies can provide you with the cheapest auto insurance coverage. Liberty Mutual, Safeco, and Progressive are three options you might want to consider.
Insurance Company  | 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. | Full Coverage | Liability Only | Best for |
|---|---|---|---|---|
| Liberty Mutual | 7.7 | $111 | $85 | Safe drivers |
| Safeco | 8.1 | $97 | $65 | Personalized service |
| Progressive | 8.7 | $101 | $69 | Student drivers |
Disclaimer: Table data sourced from real-time Pocatello car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pocatello may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for safe drivers: Liberty Mutual
| User Reviews | 3.4 |
|---|---|
| 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. | 7.7 /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. | $88/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. | $116/mo |
3.4
A solid optionBased on 3,473 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,865)
Jimmy
Verified Review
Overpriced
Reviewed in Indiana on February 11, 2026
Overpriced insurance and raised rates for no reason.
Wendy
Verified Purchase
Go Liberty Liberty!
Reviewed in Wisconsin on February 9, 2026
Simply done very well, friendly, gives you repeat answers for your same questions.
James
Verified Review
Poor Service
Reviewed in Massachusetts on February 7, 2026
Liberty advertises that you pay only for what you want. My wife has dementia and cannot drive. She is on my policy, and they have told me because she was listed, she would have to remain, and I have to pay for that.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.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
Liberty Mutual offers RightTrack, a usage-based insurance program, which can help responsible Pocatello drivers save on car insurance costs. It uses telematics technology to collect data on driving behaviors and understand your driver profile.
If you can prove that you’re a good driver, you might be able to score a discount of up to 30%. You’ll save 10% right away just for signing up.
Pros
Discounts available via RightTrack usage-based insurance program
Car replacement coverage available
Cons
Below-average J.D. Power customer satisfaction score in the Northwest region
Car replacement coverage not available for old cars
Best insurer for personalized service: Safeco
| 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. | 8.1 /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. | $67/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. | $100/mo |
4.3
Best choiceBased on 991 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (531)
Linda
Verified Review
Raising Prices Too High
Reviewed in New Hampshire on February 6, 2026
It was okay, but now they are raising the price on my policy by $572.20. They said it's because of rates for ambulances, fire, and police in Gilford. That doesn't seem to have anything to do with my auto insurance, but that's what they said.
Jon
Verified Review
Shop around
Reviewed in California on February 4, 2026
Shop around. I believe insurers give an initial lower rate and then increase it over time, knowing that most people just keep paying the higher rate. You have to shop every time renewal comes up.
Patrick
Verified Review
Poor Business Practice
Reviewed in Michigan on January 30, 2026
The price is a bit cheaper than average at first. The issue is that after a month, they claimed they never received the qualifying medical insurance letter, changed your PIP allocations, and charged you hundreds more than the original quote. They make you jump through hoops to get your money back, then only return a minute fraction of it and claim it was the customer's fault. They will not return the money wrongfully taken for "lack of medical coverage letter"—they received it! And let's just for amusement say they never received it, you'd think an email, text, or call to say "Hey, we don't have the medical coverage letter, and we need that or we will deduct such and such on such and such date" would be appropriate... but no, they'd rather be shady! Additionally, getting a service agent at certain times can be difficult!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
613NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.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
Safeco, which is a subsidiary of Liberty Mutual and a separate entity, has a number of independent insurance agents in the Pocatello area who can answer your insurance questions and offer great rates and effective insurance solutions. They can inform you of the various coverage options and discounts available so you can land the best deal on a car insurance policy. You can communicate with them via phone, text message, or email.[3]
Pros
Personalized customer service from a local car insurance agent
Wide range of available coverage options
Cons
Can’t get a quote online
Fewer available discounts than other insurers
Best insurer for student drivers: Progressive
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| 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. | $97/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. | $162/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 (7,982)
Greg
Verified Review
Good
Reviewed in Alabama on February 12, 2026
Good, just a little too high on cost.
Willie
Verified Review
Reasonable rate
Reviewed in Wisconsin on February 12, 2026
The insurance rate is high. I've never had an insurance claim, DUI, or anything that would cause a high premium.
Derrick
Verified Review
Progressive's bait and switch tactics
Reviewed in Maryland on February 12, 2026
Progressive uses bait and switch tactics. They give you an initial discount when you first start, then they remove it after the first 6 months. My coverage increased $600 without any accidents or tickets.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC 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
Because Pocatello is home to Idaho State University, many students and young drivers are on the area’s roads. If you’re a student, teen, or young driver in Pocatello, you may be able to score a discount from Progressive, such as a good student discount, distant student discount, or teen driver discount.
Pros
Gap insurance available
Offers SR-22 filings
Cons
New-car replacement coverage not available
Below-average J.D. Power customer satisfaction score in the Northwest region
How to get the cheapest car insurance in Pocatello
No matter your driving history, you have ways to find cheap car insurance in Pocatello. Here are some tips to help you secure affordable coverage:
Shop around. You should get quotes from at least three different car insurance companies. Then, compare rates, coverage levels, and customer satisfaction reviews to figure out the right coverage for your needs.
Look for discounts. Most car insurance companies offer a plethora of discounts for policyholders who meet certain criteria, such as the autopay discount, anti-theft device discount, homeowners insurance discount, and loyalty discount. You can visit an insurance company’s website or consult a car insurance agent to learn about which discounts are available.
Bundle policies. If you purchase your auto insurance from the same company as your home insurance, renters insurance, health insurance, or life insurance, you may be able to land a great deal on your auto policy.
Consider usage-based insurance plans. If you only drive on occasion because you’re retired or work from home, for example, you can lower your car insurance costs with a pay-per-mile policy. You’ll only pay for the miles you drive.
Drive safely. Incidents like speeding, at-fault accidents, and DUIs can lead to higher car insurance premiums. Practice safe driving habits to maintain a clean record and cheaper rates.
Find Cheap Car Insurance in Pocatello, Idaho
Liability rates start at $33 per month
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Cheapest liability-only car insurance in Pocatello: Auto-Owners
Idaho law requires liability car insurance to drive in Pocatello. It pays for the other party’s property damage and medical bills after an at-fault accident. It’s typically the cheapest type of auto insurance available.
Auto-Owners offers the most affordable liability-only policies in Pocatello, at $33 per month.
This table shows car insurance companies with the cheapest rates for liability coverage in Pocatello.
The below rates in Pocatello, ID, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $33 |
| State Farm | $36 |
| USAA | $48 |
| GAINSCO | $57 |
| National General | $57 |
| GEICO | $59 |
| American Family | $63 |
| Safeco | $67 |
| Direct Auto | $68 |
| Bristol West | $70 |
| Dairyland | $76 |
| Liberty Mutual | $88 |
| The General | $89 |
| Travelers | $97 |
| Allstate | $99 |
| Nationwide | $111 |
| Farmers | $115 |
Disclaimer: Table data sourced from real-time Pocatello car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pocatello may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Pocatello: Auto-Owners
Full-coverage car insurance usually includes liability, collision, and comprehensive coverage. It can provide you with extra protection and might be mandatory if you have a loan or lease on your vehicle.
Pocatello residents can find the cheapest full-coverage insurance with Auto-Owners, with rates of $47 per month.
The table below shows the cheapest auto insurers in the city for full-coverage insurance.
The below rates in Pocatello, ID, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $47 |
| State Farm | $51 |
| USAA | $69 |
| GEICO | $86 |
| American Family | $90 |
| Safeco | $100 |
| Direct Auto | $108 |
| National General | $110 |
| Liberty Mutual | $116 |
| GAINSCO | $129 |
| Travelers | $139 |
| Allstate | $142 |
| Bristol West | $155 |
| Nationwide | $160 |
| Dairyland | $163 |
| Farmers | $164 |
| The General | $202 |
Disclaimer: Table data sourced from real-time Pocatello car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pocatello may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Pocatello, Idaho
Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $55/mo for full coverage in Pocatello and other Idaho cities.
*Quotes generated for Insurify users in and around Pocatello, Idaho within the last 10 days. Last updated on February 12, 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 February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Pocatello, Idaho within the last 10 days. Last updated on February 12, 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 February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Idaho
Idaho is an at-fault, or tort, state. This means the driver who caused the accident is responsible for any property damage or medical bills the drivers or passengers in another vehicle face. Be sure to carry your car insurance card when you drive so you can show proof of insurance. Otherwise, you might be on the hook for hefty fees and other consequences.
Here are the minimum car insurance requirements in Idaho:[4]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $15,000 per accident |
Idaho requires car insurance companies to offer uninsured motorist coverage at the same limits above unless the driver rejects the coverage in writing.
While Idaho car insurance laws require bodily injury and property damage liability, you may invest in optional auto insurance coverage for extra protection and peace of mind. These additional insurance products include:
Collision coverage
Collision coverage pays for repairs or a replacement after an accident with another vehicle or object, regardless of fault.
Comprehensive coverage
Comprehensive coverage pays for damages from non-collision events, like fire, theft, and vandalism.
Uninsured/underinsured motorist coverage
Uninsured motorist coverage kicks in if a driver without car insurance causes a car accident and you face injuries or property damage.
Medical payments coverage
Medical payments coverage is similar to personal injury protection (PIP) and covers medical bills after an accident, no matter who caused it.
Cheapest car insurance for drivers with an incident
Incidents such as at-fault accidents, speeding tickets, and DUIs on your driving record can lead to higher car insurance rates. This is because car insurance companies will perceive you as a high-risk driver who’s more likely to file a claim. Pocatello drivers with clean records typically secure the lowest rates.
Here’s an overview of the insurance companies with the cheapest average car insurance quotes in Pocatello, based on driving history.
The below rates in Pocatello, ID, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| Auto-Owners | $33 | $46 | $45 | $46 |
| State Farm | $36 | $49 | $49 | $50 |
| USAA | $48 | $66 | $67 | $67 |
| GAINSCO | $57 | $73 | $76 | $79 |
| National General | $57 | $76 | $78 | $79 |
| GEICO | $59 | $82 | $79 | $81 |
| American Family | $63 | $87 | $87 | $87 |
| Safeco | $67 | $94 | $97 | $100 |
| Direct Auto | $68 | $91 | $96 | $94 |
| Bristol West | $70 | $94 | $95 | $97 |
| Dairyland | $76 | $101 | $104 | $105 |
| Liberty Mutual | $88 | $120 | $121 | $122 |
| The General | $89 | $127 | $127 | $123 |
| Travelers | $97 | $134 | $135 | $134 |
| Allstate | $99 | $137 | $137 | $137 |
| Nationwide | $111 | $153 | $154 | $154 |
| Farmers | $115 | $157 | $159 | $159 |
Disclaimer: Table data sourced from real-time Pocatello car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pocatello may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Pocatello, ID
Monthly rates start at $42 for drivers with an incident
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Average cost of car insurance by age
Your age can have a significant effect on your car insurance rates. Teen drivers and young adults typically pay the highest car insurance rates due to their lack of experience behind the wheel.
Average premiums typically decrease around age 35 and increase again around age 70. This is due to physical and mental limitations senior drivers usually experience, such as poor vision and slower reflexes.
The table below shows the cheapest car insurance quotes for Pocatello residents by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $247 |
| 20s | $164 |
| 30s | $118 |
| 40s | $107 |
| 50s | $94 |
| 60s | $90 |
| 70s | $103 |
Disclaimer: Table data is based on real-time Pocatello quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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Pocatello car insurance quotes by credit tier
Unlike some states, Idaho allows auto insurance companies to consider your credit history when they underwrite your policy and determine your premium — but it can’t be the only factor they consider.[5]
Drivers with good or excellent credit typically pay less than drivers with poor credit. Here’s a look at average premiums for Pocatello drivers with various credit scores.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Pocatello car insurance FAQs
Finding the right car insurance can be a challenge. Below are answers to some of the most commonly asked questions about car insurance in Pocatello.
How much is car insurance in Pocatello?
The average cost of car insurance in Pocatello is $82 per month. Pocatello drivers pay $62 per month for liability coverage and $103 for full-coverage car insurance, on average. Your exact car insurance premium will depend on your driving record, age, credit history, and other factors.
Which company has the cheapest car insurance in Pocatello?
Auto-Owners offers the cheapest liability car insurance in Pocatello, at $33 per month. State Farm is the second-cheapest insurer in the city, with a rate of $36. The third-cheapest insurer, USAA, has a liability-only rate of $48 per month.
Comparing quotes from multiple insurance companies is the best way to find the cheapest car insurance for your coverage needs.
What are the best car insurance companies in Pocatello?
Progressive is the best car insurance company in Pocatello, with an Insurify Quality (IQ) Score of 7.8 out of 10, an AM Best financial strength rating of A+ (Superior), and high customer satisfaction ratings. Other top insurers include Liberty Mutual and Safeco.
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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Sources
- CUBIT. "Idaho Cities by Population."
- Idaho Transportation Department. "Idaho’s Motor Vehicle Self-Insurance Program."
- Safeco. "Find Agents: 83201."
- Idaho Department of Insurance. "Required Auto Coverage."
- Idaho Legislature. "TITLE 41 INSURANCE CHAPTER 18 THE INSURANCE CONTRACT."
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Danny SmithInsurance Writer
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Danny has been a contributor at Insurify since March 2022.
Anna BaluchAuto and Home Insurance Writer
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.