Cheapest car insurance in Idaho for 2023

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

Cheapest company for full coverage

Cheapest company for adding a teen driver

Cheapest company for getting a speeding ticket

Cheapest company for being in an at-fault accident

Cheapest company after a high-risk incident

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:

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:

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

Getting a speeding ticket

Getting into an at-fault accident

Being deemed a high-risk driver

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.