Best and Cheapest Car Insurance in Idaho for 2024 (Lower Your Rates With These Top 10 Companies!)
USAA, State Farm, and Travelers have the best and cheapest car insurance in Idaho.
USAA takes our top spot for cheap car insurance quotes in Idaho, but only military members can purchase coverage. If the best military car insurance won't work for you, State Farm has the lowest Idaho rates.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | $11 | A++ | Military Members | USAA |
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#2 | $15 | B | Many Discounts | State Farm |
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#3 | $16 | A++ | Bundling Policies | Travelers |
 |
#4 | $17 | A++ | Cheap Rates | Geico |
 |
#5 | $23 | A | Policy Options | Liberty Mutual |
 |
#6 | $24 | A+ | Vanishing Deductible | Nationwide |
 |
#7 | $26 | A+ | Budgeting Tools | Progressive |
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#8 | $27 | A | Safety Discounts | Farmers |
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#9 | $28 | A | Loyalty Discounts | American Family |
 |
#10 | $37 | A+ | Multi-Policies | Allstate |
Explore your options for finding the cheapest auto insurance in Idaho below. Then, enter your ZIP into our free comparison tool to see what rates look like in your area.
What You Should Know
- Get cheap insurance in Idaho by finding discounts and comparing quotes
- Idaho drivers typically pay less than the national average for car insurance
- USAA and State Farm are the cheapest companies in Idaho
On this page:
- #1 – USAA: Top Pick Overall
- #2 – State Farm: Best for Personalized Service
- #3 – Travelers: Best Customer Service Experience
- #4 – Geico: Best for Affordable Idaho Car Insurance Rates
- #5 – Liberty Mutual: Best for Diverse Car Insurance Options
- #6 – Nationwide: Best for Safe Driver Savings
- #7 – Progressive: Best for Robust Digital Tools
- #8 – Farmers: Best Selection of Car Insurance Discounts
- #9 – American Family: Best for Quick Claims Resolutions
- #10 – Allstate: Best for Full Coverage Policies
- Idaho Car Insurance Rates
- Idaho Car Insurance Rates for Teens
- Idaho Car Insurance Rates for Married People
- Idaho Car Insurance Rates for Older Drivers
- Idaho Car Insurance Rates by City
- Minimum Car Insurance Requirements in Idaho
- How Car Insurance Rates are Calculated in Idaho
- How to Save on Your Idaho Car Insurance Policy
- How Clearsurance Ranks and Rates Companies in Idaho
- Where to Find More Information
- Find the Best and Cheapest Idaho Car Insurance Today
#1 – USAA: Top Pick Overall
Pros
- Competitive Rates: USAA often offers the cheapest Idaho auto insurance rates compared to other insurers.
- Outstanding Customer Service: USAA has high satisfaction ratings, particularly in Idaho. See what customers have to say in our USAA car insurance review.
- Exclusive Discounts: Aside from the standard savings you can find at most companies, USAA also has special discounts for military members and families in Idaho.
Cons
- Membership Requirements: Idaho car insurance from USAA is only available to military members, veterans, and their families.
- Coverage Restrictions: Some Idaho coverage options may be limited compared to other providers. For example, USAA does not sell gap insurance.
#2 – State Farm: Best for Personalized Service
Pros
- Helpful Local Agents: With a strong network of local agents available throughout Idaho, getting personalized service and car insurance support from State Farm is easy.
- Discounts for Safe Drivers: State Farm offers multiple ways for Idaho drivers to save for being safe on the road. You can earn a car insurance discount for being a safe driver and having vehicle safety features in your car.
- Comprehensive Coverage Options: A wide range of coverage choices make it easy to find the best Idaho auto insurance. Explore your coverage options in our State Farm car insurance review.
Cons
- Higher Premiums: Finding the cheapest Idaho car insurance can be difficult with State Farm as rates can be high.
- Customer Service Variability: The State Farm service experience for car insurance varies significantly throughout Idaho.
#3 – Travelers: Best Customer Service Experience
Pros
- Wide Range of Discounts: Travelers offers various discounts, including for hybrid vehicles, which are popular in Idaho. Taking advantage of these discounts makes it easy to find cheap car insurance in Idaho.
- Local Agents: The strong presence of Travelers agents throughout the state of Idaho allows the company to provide personalized service for all car insurance policies.
- High Customer Satisfaction: Aside from a few negative reports, Travelers customers tend to leave positive reviews for its customer service in Idaho. See why customers love their policies in our Travelers car insurance review.
Cons
- Expensive for High-Risk Drivers: Unfortunately, Travelers is not one of the cheap Idaho car insurance companies for drivers with at-fault accidents, speeding tickets, or DUIs.
- Limited Online Tools: Some Travelers customers in Idaho find the digital car insurance experience less user-friendly.
#4 – Geico: Best for Affordable Idaho Car Insurance Rates
Pros
- Competitive Pricing: Geico is often one of the cheapest Idaho car insurance companies, particularly if you’re a federal employee.
- User-Friendly Digital Tools: Take advantage of Geico’s excellent mobile app and online account management tools in Idaho to manage your car insurance policy whenever you’d like.
- Unique Discounts: Save on your Idaho auto insurance with Geico’s numerous discounts, including for federal employees and good students. Check out all of Geico’s ways to save in our Geico car insurance review.
Cons
- Mixed Claim Handling Reviews: Some Idaho customers report challenges with the Geico car insurance claims process, particularly involving communication times between driver and agent.
- Limited Local Agents: With its focus on a digital car insurance experience, Geico maintains fewer physical locations in Idaho for in-person assistance than other companies.
#5 – Liberty Mutual: Best for Diverse Car Insurance Options
Pros
- Customizable Coverage: Liberty Mutual offers a variety of customization options in Idaho that can be hard to find at other providers, allowing you complete control over your policy. Learn more about your options in our Liberty Mutual car insurance review.
- Accident Forgiveness: Sign up for Liberty Mutual’s accident forgiveness add-on in Idaho to have your first at-fault accident forgotten from your car insurance policy.
- Educator Discount Options: Liberty Mutual offers special car insurance bonuses for Idaho educators, including special discounts.
Cons
- Higher Average Rates: While Liberty Mutual is certainly one of the best Idaho auto insurance companies, it’s not usually the cheapest.
- Discount Availability: Liberty Mutual car insurance discounts aren’t always available for every Idaho driver, and you may need to submit documentation before you qualify for some.
#6 – Nationwide: Best for Safe Driver Savings
Pros
- UBI Programs: Safe drivers in Idaho can save up to 40% by enrolling in SmartRide, Nationwide’s usage-based insurance (UBI) plan. If a pay-per-mile plan would suit you better, consider SmartMiles by Nationwide.
- Vanishing Deductible: Save up to $500 on your deductible by staying claims-free. See how the vanishing deductible add-on works in Idaho in our Nationwide car insurance review.
- Excellent Coverage Options: Get the exact car insurance policy you want with Nationwide’s range of coverages available for Idaho drivers.
Cons
- Limited Digital Experience: Nationwide’s online car insurance tools and app features are less robust than some Idaho drivers prefer.
- Claims Handling: Despite being one of the best car insurance companies in Idaho, Nationwide drivers are not always impressed by the company’s claims handling service.
#7 – Progressive: Best for Robust Digital Tools
Pros
- Snapshot: Progressive’s UBI program Snapshot is not only tech-friendly, but it can also help drivers save up to 30% on their Idaho car insurance quotes.
- Affordable Rates: With its excellent discounts and innovative digital tools, Progressive is a great option for cheap auto insurance in Idaho.
- Robust Digital Tools: Idaho drivers looking for a modern car insurance experience will appreciate Progressive’s user-friendly digital tools.
Cons
- Loyalty Struggles: It may be one of the best insurance companies in Idaho, but Progressive struggles to retain its customers. See why in our Progressive car insurance review.
- Potential for Rate Increases: Despite offering some of the cheapest car insurance in Idaho, your Progressive rates may not stay low. Some drivers report unexpected rate increases after the first policy renewal period.
#8 – Farmers: Best Selection of Car Insurance Discounts
Pros
- Accident Forgiveness: Maintain your Idaho cheap auto insurance quotes from Farmers after an at-fault accident with the accident forgiveness add-on.
- Generous Discounts: To help drivers find the best cheap Idaho car insurance, Farmers offers 23 discounts. See how many you might qualify for in our Farmers car insurance review.
- Extensive Coverage Options: Farmers provides a wide range of car insurance coverage options tailored to the needs of Idaho drivers.
Cons
- Limited Availability: Not all discounts are always available throughout Idaho. Make sure to check with a representative to see how you can save on your car insurance.
- Mixed Customer Service Reviews: Some Idaho customers report inconsistent service experiences after contacting a Farmers car insurance representative.
#9 – American Family: Best for Quick Claims Resolutions
Pros
- Local Representatives: American Family maintains an extensive network of local agents in Idaho so its drivers can always get help on their car insurance when they need it.
- Excellent Discount Options: American Family offers unique car insurance discounts in Idaho, such as those for young drivers and loyalty.
- Excellent Claims Handling Reviews: American Family typically receives excellent reviews for its claims handling process. Explore other Idaho ratings in our American Family car insurance review
Cons
- Limited Availability: American Family sells car insurance in Idaho, but you may need to shop elsewhere if you want to move out of the state.
- Digital Tools Lacking: American Family is probably not the best choice for Idahho drivers looking to manage their car insurance policies online.
#10 – Allstate: Best for Full Coverage Policies
Pros
- Roadside Assistance: Allstate offers one of the best roadside assistance plans in Idaho. Aside from buying it as a car insurance add-on, you can also make a one-time call for help, even if you’re not an Allstate policyholder.
- Teen Driving Programs: Families looking for the cheapest auto insurance in Idaho for teen drivers will benefit from the TeenSMART Driver program.
- Full Coverage Policies: Allstate combines excellent coverage options with superior service to offer some of the best car insurance in Idaho.
Cons
- Expensive Coverage: Allstate rates tend to be higher than the average cost of car insurance in Idaho. See how much you might pay in our Allstate car insurance review.
- Mixed Customer Service: Not only is Allstate one of the most expensive Idaho auto insurance companies, it also receives numerous complaints about its service.
Idaho Car Insurance Rates
Idaho car insurance rates are relatively low, especially when you compare rates with other states. However, there are plenty of ways customers save money on their car insurance to find even lower rates. For starters, understanding the factors that affect insurance rates can help you find the right company.
For starters, you should compare rates with multiple companies. Check the table below to see how much you might pay at our top companies.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $37 | $128 |
| American Family | $28 | $93 |
| Farmers | $27 | $92 |
| Geico | $17 | $57 |
| Liberty Mutual | $23 | $79 |
| Nationwide | $24 | $82 |
| Progressive | $26 | $91 |
| State Farm | $15 | $53 |
| Travelers | $16 | $57 |
| USAA | $11 | $40 |
If you want to save even more, your next step should be comparing car insurance discounts. Most companies offer a variety of discounts to help their customers save. Take a look below to see a selection of discounts from our top companies.
While there are other steps you can take to find cheap Idaho car insurance, the most important, final step is to compare quotes. Comparing quotes is relatively easy when you use the free quote tool found on most company websites.
If you don’t want to waste time filling out multiple quote request forms, consider using a quote generator online to see multiple rates at once.
Idaho Car Insurance Rates for Teens
Teenage drivers may not see the cheapest coverage on the market, but their average premiums aren't astronomical, and there are plenty of options. Out of the five largest companies in Idaho, State Farm provides the cheapest new driver car insurance for both male and female teens in Idaho on average.
| Insurance Company | Age 18: Female | Age 18: Male |
|---|---|---|
| Allstate | $148 | $180 |
| Farm Bureau | $73 | $88 |
| Farmers | $190 | $207 |
| Safeco | $101 | $112 |
| State Farm | $61 | $72 |
These rates are based on profiles for 18-year-old male and female drivers in Idaho. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Idaho will differ. Rate data is provided by Quadrant Information Services.
Idaho Car Insurance Rates for Married People
Your marital status can sometimes help to get you lower rates on your policy service options, though you'll want to check in with your provider on this one. Farmers has the best car insurance companies for married couples on average when compared to some of the other largest insurers in Idaho.
| Insurance Company | Married Couple |
|---|---|
| Allstate | $142 |
| Farm Bureau | $162 |
| Farmers | $97 |
| Safeco | $102 |
| State Farm | $105 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Idaho will differ. Rate data is provided by Quadrant Information Services.
Idaho Car Insurance Rates for Older Drivers
In Idaho, older female drivers can get the best car insurance for senior drivers from Safeco while male seniors can get the cheapest rates through State Farm. A more mature driver is going to see a lower cost for their auto insurance policy based on the fact that they have more driving experience than a teenager, or someone who has just gotten their license.
Below you can see average Idaho car insurance rates for male and female senior drivers for the five largest companies in the state by market share.
| Insurance Company | Age 65: Female | Age 65: Male |
|---|---|---|
| Allstate | $88 | $91 |
| Farm Bureau | $93 | $94 |
| Farmers | $48 | $52 |
| Safeco | $42 | $48 |
| State Farm | $47 | $48 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Idaho will differ. Rate data is provided by Quadrant Information Services.
Idaho Car Insurance Rates by City
Still wondering why car insurance is so expensive? Since car insurance rates depend on factors such as crime rate and accidents in your area, car insurance rates in Idaho can vary from area to area. The area with the cheapest car insurance in Idaho is Mountain Home. In the table below, you can see the top ten cheapest areas in Idaho for car insurance based on average rates for single adults.
| Area | Rates |
|---|---|
| Mountain Home | $82 |
| Boise | $83 |
| Meridian | $83 |
| Garden City | $84 |
| Mountain Home Air Force Base | $84 |
| Glenns Ferry | $84 |
| King Hill | $85 |
| Hammett | $85 |
| Eagle | $85 |
| Letha | $86 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Idaho will differ. Rate data is provided by Quadrant Information Services.
Minimum Car Insurance Requirements in Idaho
Idaho drivers are required to have two types of auto insurance coverage: liability and uninsured/underinsured motorist coverage. In order to be a legal driver in the state, you’ll need to obtain these coverages with at least the minimum limits, which are outlined below.
While you’re required to purchase only the minimum limits, drivers should strongly consider purchasing higher limits. It’s likely that these minimums would not be enough to cover you in the event of a costly accident.
And it’s important to note that the required uninsured/underinsured motorist coverage comes with a caveat, as the state allows you to opt out of this coverage in writing.
If you do so, you’ll be without coverage if you are injured by a driver without insurance, a driver without enough insurance or a hit-and-run driver. Keep in mind that 8.2 percent of drivers in Idaho are uninsured, according to 2015 data from the Insurance Information Institute.
This required uninsured motorist coverage also doesn’t include property damage caused by an uninsured or underinsured driver, but this is offered as an optional coverage by some insurance companies.
Other optional coverages to consider include collision insurance, comprehensive insurance, medical payments and roadside assistance. While higher coverage levels come with higher price tags, they can end up paying for themselves if you spend a lot of time behind the wheel.
Luckily for drivers in Idaho, minimum insurance requirements are not that high. Check below to see how much coverage you need to have before you can legally drive.
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $15,000 per accident
- Uninsured/Underinsured Motorist: $25,000 per person and $50,000 per accident for bodily injury
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.
The average driver will end up seeing some sort of traffic incident in their driving history, so having coverage limits that cover anything could be extremely and financially helpful.
How Car Insurance Rates are Calculated in Idaho
When searching and comparing quotes from the best auto insurance companies in Idaho, it can be frustrating trying to understand how your insurance rates are calculated. Grouping some of the information together, and thinking of these focal points as a driver profile, could help you better figure out what companies look for.
While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Age, Gender, and Marital Status
- Driving Record & Mileage
- Location & Credit Score
- Car’s Make, Model, and Year
- Type of Car Insurance Coverages
Some factors will make it easier or harder to find affordable coverage. For example, if you drive your vehicle fewer than 10,000 miles per year, shopping at the best low-mileage car insurance companies can help you save.
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident.
For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.
How to Save on Your Idaho Car Insurance Policy
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Idaho car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium. Here are five ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies.
- Consider raising your deductibles.
- Pay your car insurance policy in full.
- Try usage-based car insurance.
- Monitor price changes to your policy.
The road to a lower annual premium lies in a mixture of research and financial responsibility. If you tell your current provider that you've been looking at sample rates from other companies, they may be able to provide you with a lower insurance quote than what you're paying, for retention.
However, if you're unwilling to look elsewhere, you can look into the above mentioned financial decisions in order to lower your monthly premium.
How Clearsurance Ranks and Rates Companies in Idaho
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.
Clearsurance also places an emphasis on consumer car insurance claims ratings to ensure customers get the best information possible about every car insurance company.
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings. Customer satisfaction scores are vital when reviewing a company. A lot can be gleaned from what people have to say about their personal insurer, though it's up to us to find the accurate content.
Where to Find More Information
Whether you’re buying your insurance direct or you're choosing to go through an agent, understanding the different car insurance coverage options is a must. If you still aren't content, and you have further questions regarding what goes into finding affordable coverage, we can help.
Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.
Find the Best and Cheapest Idaho Car Insurance Today
Whether you want to shop at the car insurance companies that customers recommend or a smaller, local office, comparing insurance quotes is the most important step in finding affordable Idaho coverage. Idaho rates are always on the low side, but comparing quotes and finding discounts can save you money.
Now that you know which companies might have the best Idaho car insurance in your area, your next should be to compare quotes. Enter your ZIP to see car insurance quotes in your area.
Frequently Asked Questions
Who offers the lowest rate for teen drivers in Idaho?
Out of the five largest companies in Idaho, State Farm provides the cheapest car insurance for both male and female teen drivers in Idaho on average. There may be a lack of driving experience, but that doesn't mean that teen drivers have to settle for less than affordable rates.
Who offers the cheapest average cost for a married couple in Idaho?
Farmers is the cheapest option for married couples on average when compared to some of the other largest insurers in Idaho. Seems like fair compensation for providing personal information.
Who offers the cheapest auto insurance rates for seniors in Idaho?
In Idaho, female seniors can get the cheapest car insurance rates from Safeco, while male seniors can get the cheapest rates through State Farm. This may prove that it's smart to shop around to find annual rates that are the best for you, rather than any other demographic.
Who has the best and cheapest car insurance in Idaho?
While the best company for you depends on a variety of factors, our research shows that USAA, State Farm, and Travelers have the best Idaho car insurance.
How much insurance do you need in Idaho?
Idaho requires all drivers to carry a 25/50/15 liability plan and a 25/50 plan for both uninsured and underinsured motorist insurance.
What happens if you drive without insurance in Idaho?
Driving without insurance in Idaho can have serious consequences, so it’s best not to get behind the wheel when you’re not covered. The penalties in Idaho include fines, SR-22 insurance requirements, and even jail time.
How can you save on your Idaho car insurance rates?
Saving on your Idaho car insurance doesn’t have to be a challenge. To lower your rates, try things like finding discounts, lowering your coverage levels, increasing your deductibles, and comparing quotes with multiple companies.
Why is insurance so expensive in Idaho?
Car insurance in Idaho is actually a little lower than the national average. However, rates are increasing nationwide, including in Idaho. There are many reasons for this spike in rates, but the main culprits in Idaho are denser traffic and more car accidents.
Is Idaho a no-fault state?
Idaho is not a no-fault state, meaning whoever is deemed responsible for an accident will also be responsible for paying for damages and injuries.
What is SR-22 insurance in Idaho?
An SR-22 requirement is a form of financial responsibility that proves a driver has at least enough insurance to meet Idaho’s minimum insurance requirements. Most often, high-risk drivers are the only people who need to file SR-22 insurance. However, you’ll need your insurance company to file for you, as the Idaho DMV won’t accept forms from individuals.