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Best car insurance in Idaho for 2024

Geico, State Farm and Allstate stand out as some of the best car insurance companies in Idaho.

Updated Jan 30, 2024
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Best car insurance companies in Idaho

According to rates from Quadrant Information Services, the average annual premium for a full coverage car insurance policy in Idaho is $1,425 and the average rate for a minimum coverage policy is $343 per year. These premiums are far below the national averages for full and minimum coverage of $2,545 and $741, respectively.

Using this information along with customer satisfaction scores from the 2023 J.D. Power U.S. Auto Insurance Study and our Bankrate Scores as quantifiers of various providers’ performance, we found that Geico, Auto-Owners, State Farm, Nationwide and Allstate are among the best car insurance companies in Idaho.

Insurance company
Bankrate Score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,080
$222
4.3
Rating: 4.3 stars out of 5
$916
$223
4.3
Rating: 4.3 stars out of 5
$1,328
$342
4.0
Rating: 4 stars out of 5
$1,141
$522
3.9
Rating: 3.9 stars out of 5
$2,269
$298

Geico

Best for digital tools

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$90/mo

Avg. full coverage premium

$1,080/yr

Customer satisfaction

797/1,000

Auto-Owners

Best for cheap rates

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$76/mo

Avg. full coverage premium

$916/yr

Customer satisfaction

Not rated

State Farm

Best for local offices

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$111/mo

Avg. full coverage premium

$1,328/yr

Customer satisfaction

821/1,000

Nationwide

Best for telematics

4

Rating: 4 stars out of 5

Avg. full coverage premium

$95/mo

Avg. full coverage premium

$1,141/yr

Customer satisfaction

Not rated

Allstate

Best for robust coverage options

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$189/mo

Avg. full coverage premium

$2,269/yr

Customer satisfaction

783/1,000

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How Bankrate chose the best car insurance companies in Idaho

To find the best auto insurance in Idaho, Bankrate first analyzed average premium data from Quadrant Information Services to find the cheapest providers. However, we know drivers looking for the best policy understand that quality coverage isn’t always the cheapest.

While keeping affordability in mind, we also reviewed other company and policy features, such as digital tools, discount opportunities and coverage options. Our insurance editorial team then translated this data into a proprietary Bankrate Score, ranging from 0.0 to 5.0. The higher a company’s score, the better it fared during our evaluation. With our Bankrate Scoring model, we hope to give readers an easy, holistic way to rank carriers as they shop for new coverage.

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Why you can trust Bankrate

Read our full methodology

To help Idaho drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

1.2M

quotes analyzed

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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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.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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Insurance Disclosure

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.

How to find the best car insurance in Idaho

With so many options available, finding Idaho car insurance may seem daunting, but Bankrate is here to help. We understand that different drivers may have different priorities, whether that be cheap premiums or top-notch customer service. It’s essential to find a company that meets your needs so that you can maintain continuous coverage. Not only is car insurance mandatory in Idaho, but sufficient auto insurance coverage can provide integral financial protection. If you are the at-fault driver in an uninsured accident, you could be on the hook for thousands of dollars or more in damages. A robust car insurance policy may help reduce the instances of a hefty out-of-pocket expense.

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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.

How much is car insurance in Idaho?

When it comes to car insurance, Idaho drivers pay an average of $1,425 per year for full coverage and $343 annually for minimum coverage. This is quite a bit lower than the national average cost of car insurance, which is $2,545 annually for full coverage and $741 annually for minimum coverage.

The average cost of car insurance in Idaho is not only cheap compared to national rates, but it’s also more affordable than several neighboring states. The rates in California, for instance, are 89 percent more than Idaho’s, with an average annual full coverage premium of $2,692. Averaging $2,228 per year for full coverage, Montana car insurance may not be as expensive as California, but it’s still 56 percent more than in Idaho.

Idaho drivers may pay less for insurance for a number of reasons. Car insurance rates are based partly on risk, and a lower population density may mean that Idaho drivers are at a lower risk of getting in accidents than drivers in other parts of the western U.S.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in Idaho

With our user-friendly calculator, you might find it easier to get a ballpark estimate of what you might expect to pay for auto insurance in Idaho.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February, 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 2022 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.

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46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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Written by
Ashlyn Brooks

Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute