The average cost of full coverage car insurance policy in Idaho is $1,094, significantly lower than the national average, which comes in at $1,638, and the cheapest companies offer policies at even lower rates. How can you find them? By shopping around and comparing quotes to make sure you find a policy that meets minimum state requirements and fits your budget.
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.
Methodology & why you can trust our rates
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.
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 no two companies are the same, and you shouldn't assume that your current policy is the best deal. Shopping around before you buy or renew a policy can save you hundreds of dollars a year.
Company | Average cost | JD Power Rating |
|---|---|---|
American National | $491 | -- |
State Farm | $565 | 882 |
Auto-Owners Insurance | $675 | 865 |
USAA | $723 | 890 |
GEICO | $738 | 874 |
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 | State Farm | $2,016 |
18 | American National | $1,214 |
21 | American National | $875 |
25 | American National | $554 |
30 | American National | $524 |
35 | American National | $496 |
45 | American National | $454 |
55 | American National | $409 |
60 | American National | $403 |
65 | American National | $423 |
70 | American National | $479 |
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 | State Farm | Auto-Owners Insurance | USAA | GEICO |
|---|---|---|---|---|---|
At-fault accident | $794 | $669 | $1,008 | $1,097 | $1,253 |
DUI | $852 | $618 | $1,526 | $1,643 | $2,357 |
Suspended license | $928 | $618 | $1,526 | $1,536 | $840 |
Open container | $794 | $618 | $782 | $1,174 | $840 |
Expired registration | $649 | $618 | $684 | $867 | $759 |
Driving without lights | $649 | $618 | $684 | $780 | $840 |
Running a red light | $649 | $618 | $684 | $989 | $840 |
Following too closely | $649 | $618 | $684 | $989 | $840 |
Hit and run | $928 | $618 | $1,526 | $1,746 | $2,357 |
Not-at-fault accident | $547 | $575 | $684 | $780 | $799 |
Passing a school bus | $760 | $618 | $872 | $1,054 | $840 |
Reckless driving | $928 | $618 | $1,526 | $1,054 | $1,650 |
Speeding | $649 | $618 | $1,020 | $989 | $840 |
→ Read more about finding cheap SR-22 insurance in Idaho
Cheapest car insurance for drivers with a DUI in Idaho
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $618 |
American National | $852 |
Auto-Owners Insurance | $1,526 |
USAA | $1,643 |
GEICO | $2,357 |
Cheapest car insurance for drivers with a speeding ticket in Idaho
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $618 |
American National | $649 |
GEICO | $840 |
USAA | $989 |
Auto-Owners Insurance | $1,020 |
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 | $1,418 |
Travelers | $1,480 |
Auto-Owners Insurance | $1,598 |
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: $1,005
Nampa: $1,078
Meridian: $1,001
Idaho Falls: $1,107
Pocatello: $1,114
Caldwell: $1,083
Coeur d'Alene: $1,066
Twin Falls: $1,055
Lewiston: $1,062
Post Falls: $1,055
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
How much does insurance cost in Idaho?
On average, the cost of car insurance in Idaho is $1,094 per year, or $91 monthly.
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.
Does insurance follow the car or driver in Idaho?
Typically, car insurance follows the driver in Idaho. You don't need a separate policy to borrow someone else's car in the state. Instead, the car's existing liability coverage will protect you in the event of 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.
