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Best car insurance in Idaho for 2023

Updated Apr 25, 2023
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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 $1,133, and the average rate for a minimum coverage policy is $267 per year. These premiums are far below the national averages for full and minimum coverage of $2,014 and $622, respectively. 

Using this information along with customer satisfaction scores from the 2022 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.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Northwest region)
832
/1,000
Average monthly full coverage premium
$77
Average annual full coverage premium
$919
Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Northwest region)
Not rated
Average monthly full coverage premium
$58
Average annual full coverage premium
$690
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Northwest region)
839
/1,000
Average monthly full coverage premium
$72
Average annual full coverage premium
$869
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Northwest region)
Not rated
Average monthly full coverage premium
$80
Average annual full coverage premium
$965
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Northwest region)
811
/1,000
Average monthly full coverage premium
$176
Average annual full coverage premium
$2,108
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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.

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.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Northwest region)
832
/1,000
Average monthly minimum coverage premium
$18
Average annual minimum coverage premium
$211
Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Northwest region)
Not rated
Average monthly minimum coverage premium
$14
Average annual minimum coverage premium
$162
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Northwest region)
839
/1,000
Average monthly minimum coverage premium
$18
Average annual minimum coverage premium
$217
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Northwest region)
Not rated
Average monthly minimum coverage premium
$26
Average annual minimum coverage premium
$310
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Northwest region)
811
/1,000
Average monthly minimum coverage premium
$23
Average annual minimum coverage premium
$270
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
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.

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.

*USAA is not officially ranked by J.D. Power due to eligibility restrictions.

Advertising Disclosure
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.

Best for digital tools

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 832/1,000 AM Best: A++

Average annual premium

$ 919 for full coverage
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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. Prospective customers also seem to enjoy the carrier’s quoting platform, as evidenced by its higher-than-average score in the shopping category of the 2022 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 2023 Bankrate Awards.   

Who Geico may be good for: Geico could be great for a tech-savvy driver looking for a basic Idaho car insurance policy.   

Read full Geico Insurance review

Best for cheap rates

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: Not rated AM Best: A++

Average annual premium

$ 690 for full coverage
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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 nearly half 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. The company also won the 2023 Bankrate Award for Best Budget Home Insurance Company, so if you’re looking to bundle, it may be worth requesting a quote.

Who Auto-Owners may be good for: Auto-Owners could be the company for you if you value cheap rates over top-notch customer service. 

Read full Auto-Owners Insurance review

Best for local offices

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 839/1,000 AM Best: A++

Average annual premium

$ 869 for full coverage
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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. This combination of robust local agencies and generally low rates are some of the reasons why State Farm won the 2023 Bankrate Award for Best Auto Insurance Company For High-Risk Drivers. 

Who State Farm may be good for: If you prefer the personalized service that an in-agency insurance experience can offer, you might want to request a quote from State Farm. 

Read full State Farm Insurance review

Best for telematics

Rating: 3.9 stars out of 5
3.9 Bankrate Score
JD Power: Not rated AM Best: A+

Average annual premium

$ 965 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

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. 

Who Nationwide may be good for: Safe drivers who are willing to sign up for telematics or those in Idaho who drive fewer miles than average might find Nationwide as their company of choice. 

Read full Nationwide Insurance review

Best for robust coverage options

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 811/1,000 AM Best: A+

Average annual premium

$ 2,108 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

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. 

Who Allstate may be good for: If you don’t mind spending extra for a personalized, robust car insurance policy from a national carrier, Allstate might be an excellent choice.  

Read full Allstate Insurance review

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.

How much is car insurance in Idaho?

When it comes to car insurance, Idaho drivers pay an average of $1,133 per year for full coverage and $267 annually for minimum coverage. This is quite a bit lower than the national average cost of car insurance, which is $2,014 annually for full coverage and $622 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 102 percent higher than Idaho’s, with an average annual full coverage premium of $2,291. Averaging $1,889 per year for full coverage, Montana car insurance may not be as expensive as California, but it’s still 67 percent more costly 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.

Average annual premium for full coverage in Idaho Average annual premium for minimum coverage in Idaho
$1,133 $267

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.

Consider minimum insurance requirements in Idaho

When looking for cheap car insurance in Idaho, you may be tempted to carry just the state’s minimum required limits. Although this option may offer lower premiums, this coverage package could cost you in the long run if you are in an at-fault accident and the damage exceeds your liability limits. Many insurance professionals suggest that you carry higher limits than the state minimum if you can reasonably afford to do so. Knowing the minimum insurance requirements in Idaho could help provide a baseline from which to build your coverage package. 

Consider lender requirements

Along with carrying at least Idaho minimum coverage, you will likely have additional insurance requirements if you are financing or leasing your vehicle. In this instance, your lender will likely require you to carry comprehensive coverage and collision coverage. They may also stipulate how high you can set your deductible (with the maximum usually being $500 or $1,000). If you’re leasing, you’ll probably have liability insurance requirements to meet, too. 

Your lender technically owns your vehicle while you are making payments or leasing, making them an additional interest. In simpler terms, your lender is interested in your car's financial wellbeing, so they usually mandate specific insurance requirements above state minimums.

Consider your individual needs

The best car insurance policy is generally one tailored to your specific needs. For instance, you might be considered a high-risk driver if you have a less-than-stellar driving record or credit score. In that case, requesting quotes from high-risk car insurance companies might make sense. Or, maybe your teen just got their driver’s license. If so, looking for a company that provides multiple teen driver discounts could be the easiest way to find coverage you can afford. To get started, you may want to research carriers by reading online reviews and, when in doubt, a meeting with an agent could be helpful. 

Frequently asked questions

Written by
Carol Pope
Former Writer, Insurance

Carol Pope is a former insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

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