The best car insurance in Idaho

Laura Gunn

By

Laura Gunn

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

Published November 18, 2021

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The average cost of full coverage car insurance policy in Idaho is $1,109, significantly lower than the national average, which comes in at $1,674. But Idaho drivers can save even more on car insurance by shopping around and comparing quotes.

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Policygenius can help you see rates from top car insurance companies, so you can find coverage that works for you at a price that doesn’t break the bank.

Key Takeaways

  • American National has the lowest average rate for full coverage car insurance in Idaho at $498 a year

  • Auto-Owners Insurance offers the cheapest car insurance for 16-year-old drivers at an average rate of $2,543

  • Idaho requires a minimum of $25,000 per person/$50,000 per accident in bodily injury liability coverage and $15,000 in property damage liability coverage

Cheapest car insurance companies in Idaho

Every car insurance company uses the same factors when calculating your rates, like your age, ZIP code, credit score and driving history, but they all have different ways of putting those factors together.

That’s why some companies will offer you much lower rates than others, and why it’s so important to shop around before you buy a policy.

Company

Average cost

JD Power Rating

American National

$498

--

Auto-Owners Insurance

$666

890

USAA

$723

890

GEICO

$738

871

State Farm

$749

881

Cheapest car insurance companies by age in Idaho

Younger drivers usually have less experience and are more likely to have accidents and need to submit claims, which is why they’re the most expensive age group to insure.

As a driver ages and gains experience behind the wheel, rates can fall, and by 25, young drivers can age-out of the highest-risk age group.

Age

Cheapest company

Average cost

16

Auto-Owners Insurance

$2,543

18

American National

$1,225

21

American National

$886

25

American National

$562

30

American National

$533

35

American National

$503

45

American National

$459

55

American National

$414

Choosing the right car insurance company in Idaho

Finding the right car insurance policy shouldn't feel impossible. Finding the right policy all comes down to figuring out the most important factors for you and seeing how your options stack up.

  • Cost: Companies charge different rates for similar coverage, which is why it's important to compare quotes from multiple car insurance companies to find the best rate

  • Coverage: Make sure the company you choose offers the coverage you need. Remember, the higher you set your limits, the better protected you’ll be 

  • Customer service: Do a little research on the insurance company itself. Read reviews and check claims satisfaction ratings to see how the companies compare

If you're ready to start shopping, Policygenius can help you see quotes from top car insurance companies so you can choose the option that’s right for you.

Car insurance rates for drivers with driving violations in Idaho

Car insurance companies will consider the past few years of your driving history when setting your rates, and any accidents or moving violations mean you’ll pay more for coverage. The more serious the violation, like a DUI, the more you’ll pay.

Violation

American National

Auto-Owners Insurance

USAA

GEICO

State Farm

At-fault Accident

$808

$982

$1,097

$1,253

$900

DUI

$867

$1,481

$1,643

$2,357

$831

Driving with a suspended license

$944

$1,481

$1,536

$840

$831

Driving with an open container

$808

$764

$1,174

$840

$831

Driving with expired registration

$661

$669

$867

$759

$831

Driving without Lights

$661

$669

$780

$840

$831

Failure to show documents

$661

$669

$867

$759

$831

Failure to stop at a red light

$661

$669

$989

$840

$831

Cheapest car insurance for drivers with bad credit in Idaho

Your credit score can also play a role in what you’ll pay for car insurance. Drivers with lower credit scores should expect to pay higher rates, which is why it’s all the more important for drivers with poor credit to shop around before picking a policy.

Company

Rates for drivers with bad credit

GEICO

$980

Oregon Mutual

$1,447

Auto-Owners Insurance

$1,563

Travelers

$1,658

USAA

$1,738

Car insurance costs in Idaho cities

Where you live in Idaho will also have a big impact on what you’ll pay for car insurance. Reports of car theft and vandalism, the number of accidents and claims, and even the average cost of repairs in your area all affect how much you’ll pay for coverage. Here's how the ten biggest cities in Idaho stack up:

  • Boise City: $1,018

  • Nampa: $1,091

  • Meridian: $1,013

  • Idaho Falls: $1,120

  • Pocatello: $1,130

  • Caldwell: $1,096

  • Coeur d'Alene: $1,018

  • Twin Falls: $1,069

  • Lewiston: $1,077

  • Post Falls: $1,071

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Buying car insurance in Idaho

All Idaho drivers must meet the state required minimums for coverage. Idaho requires at least the following amounts of liability car insurance:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $15,000

Idaho is an at fault state when it comes to car accidents. That means that the driver found responsible for an accident is also responsible for paying for the other party’s medical bills and repair costs.

Your liability coverage is what pays after an accident, but if you don’t have high enough liability limits to pay for the damage you’ve caused, you’ll be personally responsible for the rest, which is why it’s important to get more than the required minimum amounts of coverage.

How to get cheap car insurance in Idaho

If your car insurance seems too expensive, try these tips for finding your most affordable rates:

  • Ask about discounts, like savings for safe drivers or certain professions

  • Bundle your auto and home or renters policies with the same company

  • Reduce coverage on older cars

  • Drive safely and avoid moving violations

  • Review and compare your car insurance every year to make sure you’re still getting the best rates

Frequently asked questions

Is cutting car insurance coverage the only way to lower car insurance rates?

No, there are lots of ways to make car insurance more affordable. Everything from finding a new company to improving your credit score can have major impacts on the overall cost of your car insurance.

Is car insurance required in Idaho?

Most states in the U.S. require drivers to have car insurance and Idaho is no different. Drivers in Idaho are required to have bodily injury and property damage liability coverage, to cover the costs if they cause an accident.

Who offers the cheapest car insurance for drivers with bad credit?

GEICO offers the lowest rates for Idaho drivers with bad credit, at an average rate of $980 a year. But your actual rates will depend on a number of other factors in addition to credit score.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.