Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Cheapest car insurance in Idaho for 2023
If you’re looking for affordable car insurance in Idaho, you may want to start by getting quotes from American National, Auto-Owners and Geico
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
What To Know First
Idaho drivers pay an average of $267 annually for state-mandated minimum coverage, while a full coverage policy averages $1,133 a year. This is well below the national averages of $622 for minimum and $2,014 for full coverage—but keep in mind that your own premium may be higher or lower, based on your circumstances. Bankrate's insurance editorial team, which includes licensed insurance agents, took a careful look at the Gem State's insurance scene to determine the best places to get cheap auto insurance in Idaho. Based on our team's expert analysis, these companies are writing some of cheapest car insurance in Idaho:
- Cheapest company for minimum coverage: American National
- Cheapest company for full coverage: American National
- Cheapest company for adding a teen driver: Oregon Mutual
- Cheapest company after a speeding ticket conviction: American National
- Cheapest company after an at-fault accident: American National
- Cheapest company after a high-risk incident: American National
On This Page
- The cheapest car insurance companies in Idaho
- The cheapest car insurance companies in Idaho by coverage level
- Cheapest cities in Idaho for car insurance
- Factors that impact cheap rates in Idaho
- Minimum coverage requirements for Idaho drivers
- How to get the cheapest car insurance in Idaho
- Car insurance discounts in Idaho
- Frequently asked questions
- Methodology
The cheapest car insurance companies in Idaho
If you have been on a quest for cheap car insurance in Idaho, you will be pleasantly surprised to find that even well-known and nationally trusted insurance companies offer some of the cheapest quotes on average. By analyzing data pulled from Quadrant Information Services for some of the most largest providers in the state by market share, we found several that stood out in terms of policy offerings and savings opportunities.
Cheapest company for minimum coverage
Average monthly minimum coverage premium | Average annual minimum coverage premium | |
---|---|---|
American National | $11 | $131 |
Cheapest company for full coverage
Average monthly full coverage premium | Average annual full coverage premium | |
---|---|---|
American National | $40 | $480 |
Cheapest company for adding a teen driver
Average monthly minimum coverage premium | Average annual minimum coverage premium | |
---|---|---|
Oregon Mutual | $39 | $465 |
Cheapest company for getting a speeding ticket
Average monthly minimum coverage premium | Average annual minimum coverage premium | |
---|---|---|
American National | $13 | $159 |
Cheapest company for being in an at-fault accident
Average monthly minimum coverage premium | Average annual minimum coverage premium | |
---|---|---|
American National | $13 | $159 |
Cheapest company after a high-risk incident
Average monthly minimum coverage premium | Average annual minimum coverage premium | |
---|---|---|
American National | $18 | $215 |
The cheapest car insurance companies in Idaho by coverage level
Like most states, Idaho requires residents to carry a minimum amount of liability coverage to drive legally. Many insurance experts, however, recommend that you purchase more than the minimum required in order to be adequately covered in the event of an expensive accident. One good way to do that is to purchase full coverage car insurance, which includes collision and comprehensive insurance in addition to liability. Although it costs more, it also gives you more robust financial protection. Average costs for Idaho auto insurance are $267 per year for minimum coverage and $1,133 for full coverage. The following insurers, however, offer low-cost car insurance in Idaho on average, which could save you money as you search for car insurance:
Insurance company | Average monthly minimum coverage premium | Average annual minimum coverage premium | Annual savings vs. State average* |
---|---|---|---|
American National
|
Average monthly minimum coverage premium
$11
|
Average annual minimum coverage premium
$131
|
Annual savings vs. State average*
- $136 |
Auto-Owners
4.2
Bankrate Score
|
Average monthly minimum coverage premium
$14
|
Average annual minimum coverage premium
$162
|
Annual savings vs. State average*
- $105 |
USAA
4.3
Bankrate Score
|
Average monthly minimum coverage premium
$17
|
Average annual minimum coverage premium
$203
|
Annual savings vs. State average*
- $64 |
Geico
4.4
Bankrate Score
|
Average monthly minimum coverage premium
$18
|
Average annual minimum coverage premium
$211
|
Annual savings vs. State average*
- $56 |
State Farm
4.2
Bankrate Score
|
Average monthly minimum coverage premium
$18
|
Average annual minimum coverage premium
$217
|
Annual savings vs. State average*
- $50 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
*Based on policies with minimum coverage for 2023
Insurance company | Average monthly full coverage premium | Average annual full coverage premium | Annual savings vs. State average* |
---|---|---|---|
American National
|
Average monthly full coverage premium
$40
|
Average annual full coverage premium
$481
|
Annual savings vs. State average*
- $652 |
Auto-Owners
4.2
Bankrate Score
|
Average monthly full coverage premium
$58
|
Average annual full coverage premium
$690
|
Annual savings vs. State average*
- $443 |
USAA
4.3
Bankrate Score
|
Average monthly full coverage premium
$66
|
Average annual full coverage premium
$797
|
Annual savings vs. State average*
- $336 |
State Farm
4.2
Bankrate Score
|
Average monthly full coverage premium
$72
|
Average annual full coverage premium
$869
|
Annual savings vs. State average*
- $264 |
Geico
4.4
Bankrate Score
|
Average monthly full coverage premium
$77
|
Average annual full coverage premium
$919
|
Annual savings vs. State average*
- $214 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
*Based on policies with full coverage for 2023
Cheapest cities in Idaho for car insurance
One of the factors that impacts your premium cost is your ZIP code. Why? Because some regions are responsible for more claims than others. For example, if you live in a congested urban area with lots of traffic, there are likely to be more accidents—resulting in more claims. Your insurer makes up for this by charging more for premiums for policyholders who live in these areas. If a ZIP code is responsible for fewer claims, residents may be able to save on car insurance in Idaho, all factors being equal.
Here are some cities where it's possible to find cheap car insurance in Idaho:
City | City average annual minimum coverage premium | Cheapest car insurance company | Company average annual minimum coverage premium |
---|---|---|---|
Grangeville | $232 | American National | $112 |
Stites | $232 | American National | $112 |
Kooskia | $233 | American National | $112 |
Riggins | $233 | American National | $112 |
Lucile | $233 | American National | $112 |
Cottonwood | $234 | American National | $120 |
White Bird | $234 | American National | $112 |
Fenn | $234 | American National | $112 |
Pierce | $235 | American National | $116 |
Elk City | $235 | American National | $112 |
City | City average annual full coverage premium | Cheapest car insurance company | Company average annual full coverage premium |
---|---|---|---|
Boise | $1,032 | American National | $462 |
Meridian | $1,033 | American National | $468 |
Garden City | $1,039 | American National | $461 |
Eagle | $1,060 | American National | $469 |
Kuna | $1,067 | American National | $445 |
Mountain Home | $1,072 | American National | $437 |
Star | $1,079 | American National | $478 |
Mountain Home A F B | $1,084 | American National | $474 |
Emmett | $1,105 | American National | $449 |
Glenns Ferry | $1,109 | American National | $437 |
Factors that impact cheap rates in Idaho
There's not much you can do about some factors that impact your cost for cheap insurance in Idaho—like ZIP code—but other factors are related to your driving abilities, and these you may be able to control somewhat. Here are some common reasons why individuals may pay more for their policies, and why they may have challenges in finding cheap Idaho car insurance.
Insuring a teen driver
According to the CDC, teens are more likely than any other age group to be involved in accidents—largely because they have less experience behind the wheel. Parents who have a teen driver on their policy will probably see an increase, but this will go down as the teen ages as long as they maintain a clean driving record. Some insurers offer discounts for teen drivers if they maintain good grades in school or take a defensive driving course. According to our study, the cheapest five companies in Idaho for adding a teen driver are:
Getting a speeding ticket
A single speeding ticket conviction can sometimes be enough to raise your premium. Generally, the increase will last three to five years and then drop off as long as you haven't gotten any more tickets. However, it's still typically possible to find cheap car insurance in Idaho; and discounts for following safe driving practices may lower your rate even after a ticket. These five companies may be good ones to check out for their reasonable average rates following a speeding ticket:
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
American National | $159 | $595 |
Auto-Owners | $162 | $690 |
State Farm | $229 | $919 |
Geico | $244 | $1,059 |
Oregon Mutual | $254 | $794 |
Getting into an at-fault accident
Unless you have an accident forgiveness endorsement on your policy, if you are found to be at fault in an accident, you are likely to see an increased premium. The amount of that increase will vary from insurer to insurer, but according to Bankrate's in-depth research, a full coverage policy is likely to increase an average of $840 a year after an at-fault accident. If you are wondering how to save on car insurance in Idaho after an accident, consider these companies, which are known for writing cheap policies on average for those who have an accident on their record:
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
American National | $159 | $595 |
Auto-Owners | $190 | $795 |
State Farm | $258 | $1,013 |
Nationwide | $310 | $965 |
Oregon Mutual | $310 | $1,013 |
Being deemed a high-risk driver
Few factors have as great an impact on your rate as being deemed a high-risk driver. Every insurer has their own criteria for determining who fits into this category, but generally it will include drivers with multiple speeding tickets or accidents, or, most seriously, any driver with a DUI conviction on their record. In addition to other penalties levied by the state for DUIs, earning one can cause a steep increase in your premium. Some insurers will not write policies for high-risk drivers, but the following insurers have a reputation for writing reasonably-priced policies for those in this category:
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
American National | $215 | $773 |
Farmers | $399 | $1,399 |
USAA | $419 | $1,692 |
Auto-Owners | $427 | $1,583 |
Oregon Mutual | $427 | $1,282 |
Minimum coverage requirements for Idaho drivers
The state minimum coverage required to legally drive in Idaho is 25/50/15 liability insurance, which includes:
- Bodily injury liability: $25,000 per person
- Bodily injury liability: $50,000 per accident
- Property damage liability: $15,000 per accident
Additionally, Idaho insurers must provide uninsured and underinsured motorist coverage unless the named insured rejects the coverage in writing.
Signing up for the minimum coverage required will usually provide you with the cheapest car insurance in Idaho. However, the coverage types and limits may not be enough to protect you in case of a more serious accident. Liability insurance pays for damages to the other parties and not to yourself or your property.
Considering the fact that Idaho is a rural state where wildlife and heavy snowfall are common hazards that could cause damage to your vehicle or cause an accident. Adding comprehensive and collision coverage would help pay for any necessary vehicle repairs or replacements, which would otherwise not be covered by minimum coverage car insurance. If you have a lender for your vehicle, you may also be required to purchase full coverage to protect the lender’s investment in your car.
How to get the cheapest car insurance in Idaho
Idaho ranks as one of the cheapest states for auto insurance in the nation. However, almost no driver will willingly turn down additional savings when they are available. Making use of all your savings opportunities is a relatively easy way to bring down your insurance premiums even further. Bankrate’s insurance editorial team put together a few common ways to save.
Shop around
When looking for auto insurance quotes, it's a good idea to gather multiple quotes rather than stopping after just one, so you will more easily be able to see which provider offers you the best rate for your insurance needs. Also check out what add-ons and coverage types providers have to offer. You may get additional perks such as free roadside service or coverage for original manufacturer’s parts with some insurers, for instance, while others may offer a significant discount for bundling policies.
Work on your credit score
Insurance carriers in Idaho may legally check your credit to generate a credit-based insurance score that will affect the price of your vehicle insurance. If you have a low credit score, you will typically pay more for coverage than someone with a higher FICO score. You can take simple steps such as paying bills on or ahead of time to help begin raising your score.
Increase your deductible
Raising your deductible is a relatively straightforward way of reducing your premium, but it may be best for drivers who have already taken the time to map out their increased out-of-pocket expense in case of an accident. Be sure to choose a deductible amount that you can comfortably pay with little notice.
Car insurance discounts in Idaho
One of the best ways to get the most affordable car insurance in Idaho is to take advantage of every possible discount. Almost all insurers offer at least a few discounts, and they can be easy to earn. Here are some of the most common ones that Idaho insurers offer to their policyholders:
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Bankrate Scores
Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.