Best car insurance in Idaho for 2021

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With over 1.2 million licensed drivers in Idaho as of 2018, roads in this state are growing busier. Maintaining car insurance in Idaho is more than a state requirement; it is an important piece of your financial planning.

When shopping for the best car insurance in Idaho, there are several factors that you may want to take into consideration The average cost of full coverage car insurance in Idaho is $1,045, but your cost will depend on your needs and individual factors. To find the best policy for you, consider how much you will pay and when, what deductible options will be best for you, coverage levels and discounts.

Best car insurance in companies in Idaho

Bankrate’s insurance editorial team reviewed the car insurance options available in Idaho and selected the top five companies (based on market share) to assist in your search. When considering which are the best car insurance companies in Idaho, we first reviewed average annual premiums obtained from Quadrant Information Services. We also factored in customer satisfaction scores, financial strength ratings, available coverages and discounts. These factors were combined into a Bankrate Score. The scores are out of 5.0; companies with a higher Bankrate Score received higher scores in each of the rating categories.

Provider Bankrate Score Average annual full coverage premium J.D. Power customer satisfaction score
Auto-Owners 4.6 $1,101 890 / 1,000
Geico 4.6 $1,077 871 / 1,000
Nationwide 4.2 $951 876 / 1,000
State Farm 4.4 $853 881 / 1,000
USAA* 4.7 $725 890 / 1,000

*USAA is not eligible for official ranking with J.D. Power due to eligibility restrictions

Auto-Owners

Auto-Owners sells its insurance through a network of independent agents. Although there are fewer options for managing your policy online, Auto-Owners’ strong attributes include its discounts, add-on coverage options and high customer service scores. Auto-Owners offers several endorsement options as well, including gap insurance, diminished value coverage and a common loss deductible. If you get into an accident with another driver covered by Auto-Owners, your collision deductible may be waived.

Geico

Geico is well-known for its competitive rates. On top of already-low premiums in Idaho, the company also offers discounts such as good student, multi-policy, federal employee, military and loyalty to help make the costs even lower. However, Geico does not offer many optional coverages, so the coverage is fairly basic. If you are interested in mobile tools, though, Geico may be a good choice. Its website and mobile app allow you to file claims, pay bills and request quotes.

Nationwide

Nationwide may be a good choice if you are looking for a company that makes the claims process easy. Nationwide offers its proprietary On Your Side Auto Repair Network, which is a network of auto repair shops. If you get your vehicle fixed at one of these shops after a claim, you will receive a guarantee of the work. Nationwide also offers several coverage options and discounts that allow you to tailor your policy to your needs.

State Farm

State Farm is one of the most well-known names in the insurance industry. In fact, the company is the largest personal auto insurance carrier in the country. If you prefer working with a live agent, State Farm may be a good choice, as it operates through a nationwide network of local agents. State Farm could also be a good option if you have teen drivers; the company offers several discounts for young drivers, including a good student discount and driver training discount.

USAA

USAA cannot receive an official ranking from J.D. Power because it only sells insurance to current and prior military members and their immediate families, but the company frequently receives high scores for customer satisfaction. If you qualify for coverage, you may be able to save money with USAA. The company estimates that drivers save an average of $707 per year when they switch car insurance coverage, and it already offers the lowest average premium among providers reviewed on our list. You may also save if you are a safe driver, if you are deployed and not driving or if you garage your vehicle on a military base.

Average cost of car insurance in Idaho

When it comes to car insurance, Idaho drivers pay an average of $1,045 per year for full coverage and $307 annually for minimum coverage. This is quite a bit lower than the national average cost of car insurance, which is $1,674 annually for full coverage and $565 for minimum coverage.

Idaho drivers may pay less for insurance for a number of reasons. Car insurance rates are based partly on risk, and Idaho drivers may be at a lower risk of getting in accidents than drivers in other parts of the country.

Average annual premium for minimum coverage in Idaho Average annual premium for full coverage in Idaho
$307 $1,045

State minimum insurance requirements in Idaho

Like most states, Idaho requires drivers to carry at least certain minimum limits of car insurance to drive legally. If you live in Idaho, your car insurance must cover the following:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $15,000 property damage

Idaho insurance companies are also required to offer you uninsured and underinsured motorist coverage, although you may reject these options in writing.

Minimum coverage is often one of the cheapest options for car insurance, but you may want to consider purchasing higher liability limits if you can afford them, for better financial protection. If you cause an accident and the damages exceed your insurance limits, you will be responsible for the excess out of pocket. Higher liability limits provide an extra layer of financial protection.

Minimum limits also do not provide any coverage for your own vehicle. To get that protection, you will need full coverage. If you have a loan or lease, your financial institution will likely require you to have full coverage.

How to get the best car insurance

To find the best auto insurance in Idaho, there are a few steps you may want to take. You may find it helpful to research various insurance companies in your ZIP code, as well as understanding your unique rating factors.

  • Evaluate your needs: Everyone has a different set of needs when it comes to insurance. If you are on a strict budget, price may be the biggest factor for you. If you have multiple policies, you may want a company that can insure all of them, to take advantage of bundling discounts or simplify policy management. If you have a teen driver, you may want a company that offers several teen discounts. Knowing the details of what matters to you when it comes to an insurance policy is often the first step to choosing a company.
  • Consider state factors: You must carry at least state minimum limits to drive legally in Idaho, but you may also want to consider additional location specific factors. For example, if you store your car outside and live in an area prone to storms, you may want to consider purchasing comprehensive coverage. If you travel often, roadside assistance coverage may be a good option.

If you are not sure what coverages you should purchase, talking to a licensed agent may be helpful.

Car insurance discounts in Idaho

Nearly every insurance provider in Idaho offers at least a few policy discounts. When shopping for car insurance in Idaho, you may want to ask each car insurance company that you get quotes from what discounts you may qualify for. Here are a few popular discounts in Idaho:

  • Loyalty discounts: Although shopping your car insurance may help you find a lower premium, many companies offer loyalty discounts for keeping your policy in force for a number of years.
  • Safe driving discounts: If you have not filed a claim or recieved a ticket in several years, you may qualify for a discount.
  • Multi-policy discounts: Insuring your auto policy with the same company that has your home insurance may qualify you for a discount on each policy. Some companies offer bundling discounts for other policy types, too, like boat or pet insurance.
  • Affiliation discounts: If you are a member of a group, like an alumni association or nationwide club, you may get a discount on your car insurance from some companies.

Most insurance companies offer a different set of discounts. You can often review discounts on a company’s website, but you could also talk to an agent to confirm what savings opportunities are open to you.

Frequently asked questions

What is the best car insurance in Idaho?

The best auto insurance company will be different for everyone, since every driver brings a unique set of circumstances to their car insurance search. One of the best ways to find the right policy for you is to first identify what matters most to you, like digital tools or low average premiums. Then you can get quotes from multiple providers to see which one most closely fits your needs.

What information is needed in order to get car insurance in Idaho?

You will typically need personal information such as your date of birth, address, vehicle identification number (VIN) and an idea of the type of coverage you would like to purchase. If you have current insurance, having your declarations page with you as you are shopping for new coverage may be helpful, as it will include a lot of the information you will need.

Will my insurance premium go up if I file a claim?

There is always a possibility that your premium will increase after you file a claim. However, this is more common with at-fault claims than with not-at-fault losses. Most companies will surcharge your policy for three to five years after an at-fault claim. However, even not-at-fault losses may increase your premium. Every insurance company is different, so the best way to understand how your company responds to claims is to talk to an agent.

Methodology

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 base profile drivers own a 2019 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

Bankrate Scores primarily reflect a weighted rank of industry standard ratings for financial strength (AM Best, S&P, Moody’s) and customer experience (J.D. Power, NAIC), in addition to average quoted rates from Quadrant Information Services. The J.D. Power studies utilized include the 2020 Auto Insurance Study and the 2020 Auto Claims Study. Our Bankrate editorial team’s extensive research and analysis provided a secondary assessment of each insurer’s online and mobile resources and policy management options, which also contributed to overall ratings.

Written by
Cate Deventer
Insurance Editor
Cate Deventer is a writer, editor and insurance professional. She is currently pursuing a Bachelor’s degree in English with a concentration in professional and technical writing from Indiana University East. She began writing for Bankrate in January 2021 and has nearly a decade of experience in the insurance industry as a licensed insurance agent. Cate has worked with over a dozen insurance companies and is experienced with auto, home, flood, umbrella and life insurance.
Edited by
Insurance Editor