Drivers in Idaho Falls pay, on average, $333 for state minimum and $1,054 for full coverage per year for car insurance. With liability insurance a requirement in Idaho, residents of Idaho Falls may be able to get cheap car insurance by shopping and comparing quotes. To find the best car insurance in Idaho Falls, Bankrate’s insurance editorial team analyzed quoted premiums from Quadrant Information Services, coverages, discounts, third-party rankings and financial strength. A few companies stood out as the best and cheapest car insurance companies offering coverage in Idaho Falls.
Best car insurance companies in Idaho Falls
When searching for the best car insurance companies in Idaho Falls, price is only one factor. The types of coverage available and the ability to customize, discount offerings, customer satisfaction and financial stability to pay claims are also considered. The companies highlighted in the table below are some of the best for Idaho Falls drivers to consider when shopping for car insurance.
|Insurance company||J.D. Power score||Average annual premium for minimum coverage||Average annual premium for full coverage|
*Not eligible for official ranking with J.D. Power due to eligibility restrictions
Sometimes, the best car insurance company offers some of the cheapest rates, like USAA. The military insurer has customizable insurance coverages and a host of discounts to choose from. USAA also tops the rankings in several J.D. Power studies for auto insurance satisfaction. However, USAA is limited to current and retired military personnel, their spouses and children only, so they are not eligible for official rank with J.D. PowerWhile this is great for those who meet membership eligibility requirements, it leaves the rest of Idaho Falls residents to search for another insurance company, like the rest of the best on this list.
Learn more: USAA Insurance Review
As part of the Northwest region, Idaho Falls consumers rank State Farm #1 for customer satisfaction in the J.D. Power 2021 U.S. Auto Insurance Study. State Farm also ties with Liberty Mutual in the large insurers category for first place in the 2021 U.S. Insurance Shopping Study. State Farm has lots to offer drivers in Idaho Falls other than the second cheapest rates, including a long list of insurance products and discounts to keep rates low. If you use your car to rideshare, you can also get personalized coverage through State Farm that fills any gaps left by the rideshare company.
Learn more: State Farm Insurance Review
Though most carriers offer similar coverages, Auto-Owners sets itself apart by offering a wider range of ways to tailor your car insurance in Idaho Falls while providing rates below the average cost of car insurance. Additional benefits include optional coverages like diminished value, gap insurance and additional expenses you may incur after an accident. Though Auto-Owners did not rank in the Northwest region, it ranked in fourth place on the Insurance Shopping study and third place in the 2020 U.S. Auto Claims Satisfaction Study for customer satisfaction.
Learn more: Auto-Owners Insurance Review
Though Allstate’s car insurance rates are higher than the average cost of car insurance in this city, Idaho Falls drivers can take advantage of several ways to keep premiums affordable. If you normally practice safe driving habits, you may be able to get rewarded with savings up to 40% by participating in Allstate’s Drivewise program. If you like to customize your car with audio and video equipment, you can purchase Allstate’s optional custom equipment coverage, which pays for accidentally damaged or stolen parts. In the J.D. Power studies, Allstate ranks average, but is above average for claims satisfaction.
Learn more: Allstate Insurance Review
Homeowners who bundle home and auto with American Family can potentially save big, with up to 29% on car and 20% savings on home insurance. American Family also offers discounts for signing up early and switching from another carrier, loyalty incentives and discounts for driving less than 7,500 miles per year, which is becoming more rare for car insurers. If you meet certain requirements, you may be eligible for American Family’s free Travel with Peace of Mind package. The auto insurer has average rankings for customer satisfaction in the Northwest region and is the #1 ranked midsize insurer for customer shopping satisfaction in the nation.
Learn more: American Family Insurance Review
Cheapest car insurance in Idaho Falls
In Idaho Falls, the average cost of car insurance is cheaper than the national average, with full coverage annual rates averaging $1,054 compared to the national average of $1,674. Idaho Falls is also right on par with the state of Idaho, which is $1,045 average per year for full coverage. If you are searching for the cheapest car insurance in Idaho Falls, consider getting quotes from the companies listed in the table below.
Geico, Farmers and Nationwide offer several ways to get coverage, including getting quotes online, over the phone or in person. You can access a mobile app to view your policies and ID cards and track the status of a claim. Farmers states that they offer an average potential savings of $467 for switching auto insurance, offering features like new car replacement and accident forgiveness. At Nationwide, you have more control over your premium with programs like SmartRide and SmartMiles.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Idaho Falls insurance requirements
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $15,000 per accident for property damage
While insurers are required to offer uninsured/underinsured motorist bodily injury coverage equal to the liability limits, they are not required to offer uninsured/underinsured motorist property damage coverage. You can choose to reject uninsured/underinsured motorist coverage in writing. When considering liability insurance, most insurance experts recommend buying as much as you can afford to protect your finances if you are involved in an accident. For financed and leased vehicles, you may be required to carry full coverage.
Car insurance discounts in Idaho Falls
- Multiple cars
- Multiple lines
- Good student
- Good driving
While drivers in Idaho Falls have a host of potential discounts to choose from if they qualify for them, there are a few that can offer greater potential rate decreases. Bundling your home and auto with the same carrier potentially makes you eligible for a multiple line discount. This discount amount varies by company but is often the largest percentage discount, making it the most impactful on your insurance premium.
Drivers with a clean driving record have access to even more discounts, like the good driving and accident free discounts.
Frequently asked questions
What is the best car insurance company?
When searching for the best car insurance company, consider these factors: price, coverages, discounts, financial stability and customer satisfaction. Determine which factors matter the most and compare quotes from several car insurance companies to find the one that fits the best for you.
How much does car insurance in Idaho Falls cost?
After analyzing car insurance rates provided by Quadrant Information Services, the average cost of car insurance in Idaho Falls is $333 for state minimum and $1,054 for full coverage per year. How much you pay for car insurance in Idaho Falls will vary based on factors like your age, driving and claims history, vehicle make and model, and which zip code you live in.
How much car insurance do I need in Idaho Falls?
Once you meet the minimum state requirements, how much car insurance you need in Idaho Falls is up to you. If you finance or lease your car, you may be required to carry full coverage. Consider how much you can afford to pay out of pocket if you cause an accident to help determine how much coverage you should buy.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.