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
	#2	$15	B	Many Discounts	State Farm
	#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
	#8	$27	A	Safety Discounts	Farmers
	#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:

• Who offers the cheapest teen car insurance rates in Idaho?
• Who offers the cheapest car insurance rates for a married couple in Idaho?
• Who offers the cheapest senior car insurance rates in Idaho?
• 10 Cheapest areas in Idaho for car insurance
• 10 Most expensive areas in Idaho for car insurance
• Minimum car insurance coverage and limits in Idaho

#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.

Cons

• Membership Requirements: Car insurance from USAA is only available to military members, veterans, and their families.
• Coverage Restrictions: Some 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 support from State Farm is easy.
• Discounts for Safe Drivers: State Farm offers multiple ways to save regarding your safety on the road. You can earn a 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 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.
• 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 find the digital 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 to manage your 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 customers report challenges with the Geico claims process, particularly involving communication times between driver and agent.
• Limited Local Agents: With its focus on a digital experience, Geico maintains fewer physical locations 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 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 to have your first at-fault accident forgotten.
• Educator Discount Options: Liberty Mutual offers special insurance bonuses for 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 discounts aren’t always available for every 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 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 our Nationwide car insurance review.
• Excellent Coverage Options: Get the exact policy you want with Nationwide’s range of coverages available for Idaho drivers.

Cons

• Limited Digital Experience: Nationwide’s online tools and app features are less robust.
• 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: Drivers looking for a modern 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 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.
• Mixed Customer Service Reviews: Some customers report inconsistent service experiences after contacting a Farmers representative.

#9 – American Family: Best for Quick Claims Resolutions

Pros

• Local Representatives: American Family maintains an extensive network of local agents so its drivers can always get help when they need it.
• Excellent Discount Options: American Family offers unique discounts, 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 ratings in our American Family car insurance review

Cons

• Limited Availability: American Family sells coverage 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 drivers looking to manage their policies online.

#10 – Allstate: Best for Full Coverage Policies

Pros

• Roadside Assistance: Allstate offers one of the best roadside assistance plans on the market. Aside from buying it as an 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, 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.

Company	Female teen rates	Male teen rates
Allstate Insurance	$1,778	$2,161
Farm Bureau Mutual Insurance Company of Idaho	$885	$1,062
Farmers Insurance Group	$2,282	$2,493
Safeco Insurance	$1,212	$1,347
State Farm Insurance	$740	$873

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.

Company	Married couple rates
Allstate Insurance	$1,708
Farm Bureau Mutual Insurance Company of Idaho	$1,964
Farmers Insurance Group	$1,165
Safeco Insurance	$1,234
State Farm Insurance	$1,270

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.

Company	Female senior rates	Male senior rates
Allstate Insurance	$1,058	$1,094
Farm Bureau Mutual Insurance Company of Idaho	$1,126	$1,126
Farmers Insurance Group	$576	$624
Safeco Insurance	$509	$579
State Farm Insurance	$572	$572

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	Car insurance rates
Mountain Home	$990
Boise	$999
Meridian	$1,001
Garden City	$1,008
Mountain Home Air Force Base	$1,008
Glenns Ferry	$1,014
King Hill	$1,017
Hammett	$1,021
Eagle	$1,027
Letha	$1,031

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.

Idaho state minimum requirements:

Liability:

• Bodily injury — $25,000 per person
• Bodily injury — $50,000 per accident
• Property damage — $15,000 per accident

Bodily injury caused by an uninsured and underinsured motorist:

• $25,000 per person
• $50,000 per accident

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:

• Your driving record
• How much you drive
• Location
• Age
• Marital status
• Gender
• Your car’s make, model and year
• Your credit history
• Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

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 six 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
• Shop for better insurance rates

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.