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Best car insurance in Idaho for 2024
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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.
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 $1,359 and the average rate for a minimum coverage policy is $352 per year. These premiums are far below the national averages for full and minimum coverage of $2,388 and $664, respectively.
Using this information along with customer satisfaction scores from the 2024 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.
|
|
|
|
---|---|---|---|
4.4
|
$1,134
|
$220
|
|
4.3
|
$1,214
|
$314
|
|
4.3
|
$1,275
|
$334
|
|
4.0
|
$1,217
|
$523
|
|
3.9
|
$2,045
|
$436
|
Geico
Best for digital tools
4.4
4.4
Avg. full coverage premium
$95/mo
Avg. full coverage premium
$1,134/yr
Customer satisfaction
637/1,000
-
Why Geico made our list: With its highly rated mobile app and online policy portal, Geico is a forerunner in the insurance industry when it comes to digital tools. Policyholders can use the mobile app to view their policy, update vehicles and coverage options, report and track claims, carry digital ID cards, request emergency road service and more. Live chat is also available for its policyholders. The company also received a higher-than-average score in the shopping category of the 2024 J.D. Power U.S. Insurance Digital Experience Study. In fact, Geico’s web accessibility helped it to tie for Best Auto Insurance Company Overall in the 2024 Bankrate Awards.
Auto-Owners
Best for cheap rates
4.3
4.3
Avg. full coverage premium
$101/mo
Avg. full coverage premium
$1,214/yr
Customer satisfaction
Not rated
-
Why Auto-Owners made our list: Out of the Idaho auto insurance companies we analyzed, Auto-Owners offers some of the lowest average rates. The company’s average full coverage premium is below the state average, and Auto-Owners offers many discounts that could help you save even more. You could earn a discount just for paying your premiums on time, signing up for paperless billing, purchasing another type of Auto-Owners insurance policy (such as home, condo or renters) or requesting a quote before your current policy expires. Plus, the company tied for the 2024 Bankrate Award for Best Budget Auto Insurance Company.
State Farm
Best for local offices
4.3
4.3
Avg. full coverage premium
$106/mo
Avg. full coverage premium
$1,275/yr
Customer satisfaction
656/1,000
-
Why State Farm made our list: Although Idaho may be rather rural, you shouldn’t have a hard time finding a local State Farm agent. As the largest car insurance company in the U.S. by market share, State Farm has local agents spread throughout Idaho. Handling your insurance in a brick-and-mortar office could mean that your agent is more in-tune with the needs of your local market (since they probably live in or around your neighborhood). State Farm’s auto insurance rates also tend to be competitive for a wide segment of drivers, including those that are high risk.
Nationwide
Best for telematics
4
4
Avg. full coverage premium
$101/mo
Avg. full coverage premium
$1,217/yr
Customer satisfaction
Not rated
-
Why Nationwide made our list: Nationwide offers not one, but two telematics opportunities, which you usually don’t find with other carriers. The company’s SmartRide program is a traditional telematics program that can provide savings of up to 40 percent if you prove safe driving habits based on an app or plug-in device that tracks your driving habits. Nationwide will give you a 10 percent discount just for signing up, and your rate will not increase based on the data the app collects. SmartMiles, on the other hand, is pay-per-mile insurance. This program offers fluctuating monthly premiums based on the number of miles you drive and could be an effective money-saving policy for those who drive less than average.
Allstate
Best for robust coverage options
3.9
3.9
Avg. full coverage premium
$170/mo
Avg. full coverage premium
$2,045/yr
Customer satisfaction
626/1,000
-
Why Allstate made our list: Allstate is far from the cheapest car insurance company in Idaho, but its premiums may be worth it for drivers looking for robust coverage options — namely its vehicle protection plan. Allstate’s Extended Vehicle Care program works similarly to an extended warranty and can cover the major components of your car with a deductible from $0 to $200. The company also offers gap insurance, tire and wheel protection, fabric and paint coverage and more.
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.
Why you can trust Bankrate
Read our full methodologyTo 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
34.5K
ZIP codes examined
1.2M
quotes analyzed
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 $1,359 per year for full coverage and $352 annually for minimum coverage. This is quite a bit lower than the national average cost of car insurance, which is $2,388 annually for full coverage and $664 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 99 percent more than Idaho’s, with an average annual full coverage premium of $2,645. Averaging $2,323 per year for full coverage, Montana car insurance may not be as expensive as California, but it’s still 75 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.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Plummer | $1,463 | +7% |
Porthill | $1,501 | +10% |
Priest River | $1,491 | +9% |
Sagle | $1,480 | +8% |
Spirit Lake | $1,428 | +5% |
Post Falls | $1,364 | +0% |
Smelterville | $1,441 | +6% |
Troy | $1,365 | +0% |
Viola | $1,382 | +2% |
Castleford | $1,297 | -5% |
Hailey | $1,336 | -2% |
Hill City | $1,352 | -1% |
Idaho Falls | $1,397 | +3% |
Tetonia | $1,440 | +6% |
North Fork | $1,419 | +4% |
Lucile | $1,406 | +3% |
Greenleaf | $1,314 | -3% |
Hammett | $1,286 | -6% |
Lake Fork | $1,365 | +0% |
Boise | $1,209 | -12% |
Elk River | $1,432 | +5% |
Harrison | $1,422 | +5% |
Nordman | $1,483 | +9% |
Medimont | $1,428 | +5% |
Moscow | $1,362 | +0% |
Naples | $1,491 | +9% |
Genesee | $1,367 | +1% |
Hayden | $1,390 | +2% |
Osburn | $1,436 | +5% |
Fernwood | $1,450 | +6% |
Orofino | $1,469 | +8% |
Riggins | $1,441 | +6% |
Caldwell | $1,324 | -3% |
Garden Valley | $1,337 | -2% |
Homedale | $1,348 | -1% |
Idaho City | $1,344 | -1% |
Meridian | $1,218 | -11% |
New Meadows | $1,364 | +0% |
New Plymouth | $1,304 | -4% |
Blackfoot | $1,421 | +4% |
Malad City | $1,387 | +2% |
May | $1,407 | +3% |
Rockland | $1,369 | +1% |
Rogerson | $1,295 | -5% |
Buhl | $1,299 | -5% |
Murtaugh | $1,307 | -4% |
Lewisville | $1,420 | +4% |
Newdale | $1,402 | +3% |
Rexburg | $1,383 | +2% |
Craigmont | $1,458 | +7% |
Greencreek | $1,445 | +6% |
Lapwai | $1,381 | +2% |
Nezperce | $1,451 | +7% |
Bayview | $1,475 | +8% |
Pierce | $1,477 | +8% |
Weippe | $1,471 | +8% |
Winchester | $1,461 | +7% |
Parma | $1,289 | -5% |
Nampa | $1,301 | -4% |
Careywood | $1,484 | +9% |
Clark Fork | $1,475 | +8% |
Coeur D Alene | $1,371 | +1% |
Kingston | $1,440 | +6% |
Rathdrum | $1,409 | +4% |
Saint Maries | $1,471 | +8% |
Wallace | $1,423 | +5% |
Pinehurst | $1,438 | +6% |
Worley | $1,424 | +5% |
Bancroft | $1,385 | +2% |
Conda | $1,403 | +3% |
Ponderay | $1,487 | +9% |
Hansen | $1,306 | -4% |
Heyburn | $1,319 | -3% |
Jerome | $1,308 | -4% |
Kimberly | $1,317 | -3% |
Malta | $1,329 | -2% |
Wendell | $1,298 | -5% |
Iona | $1,404 | +3% |
Elk City | $1,431 | +5% |
Fenn | $1,422 | +5% |
Lenore | $1,421 | +4% |
Calder | $1,435 | +5% |
Coolin | $1,481 | +9% |
Desmet | $1,440 | +6% |
Laclede | $1,483 | +9% |
Pocatello | $1,372 | +1% |
Atomic City | $1,412 | +4% |
Ellis | $1,372 | +1% |
Cataldo | $1,412 | +4% |
Oldtown | $1,478 | +8% |
Deary | $1,375 | +1% |
Princeton | $1,366 | +0% |
Silverton | $1,439 | +6% |
Mountain Home | $1,233 | -10% |
Mountain Home A F B | $1,258 | -8% |
Sweet | $1,304 | -4% |
Cocolalla | $1,482 | +9% |
Harvard | $1,354 | -0% |
Kootenai | $1,485 | +9% |
Moyie Springs | $1,495 | +10% |
Aberdeen | $1,389 | +2% |
Basalt | $1,430 | +5% |
Bern | $1,392 | +2% |
Clifton | $1,398 | +3% |
Inkom | $1,368 | +1% |
Lava Hot Springs | $1,377 | +1% |
Mackay | $1,376 | +1% |
Moore | $1,385 | +2% |
Saint Charles | $1,388 | +2% |
American Falls | $1,364 | +0% |
Arimo | $1,386 | +2% |
Corral | $1,350 | -1% |
Paul | $1,322 | -3% |
Rupert | $1,322 | -3% |
Sun Valley | $1,337 | -2% |
Ashton | $1,405 | +3% |
Chester | $1,396 | +3% |
Felt | $1,426 | +5% |
Parker | $1,402 | +3% |
Rigby | $1,420 | +4% |
Leadore | $1,423 | +5% |
Salmon | $1,423 | +5% |
Ahsahka | $1,468 | +8% |
Juliaetta | $1,371 | +1% |
Kooskia | $1,448 | +6% |
Challis | $1,382 | +2% |
Soda Springs | $1,380 | +2% |
Holbrook | $1,394 | +3% |
Howe | $1,391 | +2% |
Montpelier | $1,388 | +2% |
Bloomington | $1,386 | +2% |
Cobalt | $1,414 | +4% |
Dingle | $1,397 | +3% |
Firth | $1,439 | +6% |
Geneva | $1,401 | +3% |
Wayan | $1,381 | +2% |
Weston | $1,397 | +3% |
Athol | $1,458 | +7% |
Pollock | $1,446 | +6% |
Stites | $1,426 | +5% |
Donnelly | $1,333 | -2% |
Grand View | $1,358 | -0% |
Kuna | $1,249 | -8% |
Melba | $1,291 | -5% |
Ola | $1,310 | -4% |
Bonners Ferry | $1,493 | +9% |
Avery | $1,425 | +5% |
Blanchard | $1,457 | +7% |
Cambridge | $1,361 | +0% |
Indian Valley | $1,322 | -3% |
King Hill | $1,285 | -6% |
Terreton | $1,410 | +4% |
Teton | $1,394 | +2% |
Ferdinand | $1,468 | +8% |
Kamiah | $1,449 | +6% |
Almo | $1,321 | -3% |
Burley | $1,334 | -2% |
Declo | $1,326 | -3% |
Fairfield | $1,355 | -0% |
Island Park | $1,408 | +4% |
Roberts | $1,424 | +5% |
Swan Valley | $1,383 | +2% |
Marsing | $1,349 | -1% |
Wilder | $1,305 | -4% |
Clarkia | $1,414 | +4% |
Eastport | $1,487 | +9% |
Mullan | $1,434 | +5% |
Emmett | $1,274 | -7% |
Payette | $1,301 | -4% |
Warren | $1,433 | +5% |
Bruneau | $1,369 | +1% |
Eagle | $1,250 | -8% |
Horseshoe Bend | $1,330 | -2% |
Mesa | $1,340 | -1% |
Middleton | $1,284 | -6% |
Clayton | $1,375 | +1% |
Preston | $1,404 | +3% |
Garden City | $1,214 | -11% |
Twin Falls | $1,308 | -4% |
Picabo | $1,338 | -2% |
Ririe | $1,410 | +4% |
Sugar City | $1,385 | +2% |
Lemhi | $1,411 | +4% |
Tendoy | $1,417 | +4% |
Carey | $1,344 | -1% |
Oakley | $1,307 | -4% |
Macks Inn | $1,405 | +3% |
Hagerman | $1,299 | -5% |
Driggs | $1,443 | +6% |
Irwin | $1,388 | +2% |
Carmen | $1,424 | +5% |
Shoup | $1,399 | +3% |
Arbon | $1,357 | -0% |
Franklin | $1,410 | +4% |
Pingree | $1,415 | +4% |
Shelley | $1,423 | +5% |
Swanlake | $1,382 | +2% |
Glenns Ferry | $1,283 | -6% |
Letha | $1,285 | -6% |
Lowman | $1,332 | -2% |
Murphy | $1,358 | -0% |
Weiser | $1,327 | -2% |
Yellow Pine | $1,329 | -2% |
Bellevue | $1,339 | -2% |
Gooding | $1,296 | -5% |
Hope | $1,473 | +8% |
Kellogg | $1,445 | +6% |
Potlatch | $1,366 | +1% |
Sandpoint | $1,479 | +8% |
Colburn | $1,476 | +8% |
Santa | $1,457 | +7% |
Tensed | $1,454 | +7% |
Georgetown | $1,395 | +3% |
Thatcher | $1,402 | +3% |
Peck | $1,393 | +2% |
Reubens | $1,427 | +5% |
Council | $1,366 | +1% |
Midvale | $1,323 | -3% |
Star | $1,240 | -9% |
White Bird | $1,431 | +5% |
Banks | $1,332 | -2% |
Cascade | $1,339 | -2% |
Fruitland | $1,295 | -5% |
Mccall | $1,330 | -2% |
Arco | $1,388 | +2% |
Dayton | $1,405 | +3% |
Springfield | $1,389 | +2% |
Stanley | $1,376 | +1% |
Bovill | $1,377 | +1% |
Eden | $1,300 | -5% |
Richfield | $1,344 | -1% |
Dubois | $1,398 | +3% |
Hamer | $1,407 | +3% |
Menan | $1,415 | +4% |
Saint Anthony | $1,395 | +3% |
Spencer | $1,411 | +4% |
Victor | $1,452 | +7% |
Cottonwood | $1,451 | +7% |
Culdesac | $1,389 | +2% |
Grangeville | $1,421 | +4% |
Kendrick | $1,402 | +3% |
Grace | $1,385 | +2% |
Mccammon | $1,367 | +1% |
Fish Haven | $1,394 | +3% |
Bliss | $1,297 | -5% |
Hazelton | $1,298 | -5% |
Shoshone | $1,341 | -1% |
Monteview | $1,409 | +4% |
Gibbonsville | $1,422 | +5% |
Lewiston | $1,348 | -1% |
Placerville | $1,329 | -2% |
Albion | $1,328 | -2% |
Dietrich | $1,346 | -1% |
Filer | $1,317 | -3% |
Ketchum | $1,326 | -2% |
Downey | $1,403 | +3% |
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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.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all 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 for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500These are sample rates and should only be used for comparative purposes.