Best Idaho Car Insurance Companies 2021

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With over 1.1 million licensed drivers in Idaho as of 2016 and an adult population of over 1.7 million, that means that over 64% of adults in Idaho are licensed to drive. More importantly, it means that there are many people driving on the roads in Idaho. Maintaining the right car insurance in Idaho is more than a requirement. It is a necessity and protection for your financial well-being. But also in consideration of your financial well-being, we recommend shopping around for the best deal on car insurance.

When shopping for the best car insurance in Idaho, note that the lowest cost policy is not always the best deal. The average cost of car insurance in Idaho is $1,048, but your cost will depend on your needs and individual factors. To find the best deal, consider how much you’ll pay and when, what deductible options will be best for you, coverage levels and discounts.

Best car insurance in companies in Idaho

We have reviewed the car insurance options available in Idaho and selected the top four to assist in your search. To find the best car insurance companies in Idaho, we look to the experts in the industry, including J.D. Power & Associates and AM Best, and our own expertise in the insurance industry.

J.D. Power customer satisfaction rating AM Best financial stability rating Average annual premium for full coverage
Auto Owners 868/1000 A++ $1,112
Geico 855/1000 A++ $1,039
State Farm 849/1000 A++ $837
USAA 905/1000 A++ $745

Auto Owners

Auto-owners works primarily through independent agents. Although there are fewer options for managing your policy online, Auto Owners makes up for that with discounts, add-on coverage options and no collision deductibles. Auto-owners offers great add-on coverages, including gap insurance, diminished value coverage and a common loss deductible. If you get into an accident with another driver covered by Auto-owners, there’s no collision deductible.

Geico

Geico is well-known for its low prices. It also offers discounts such as good student, multi-policy, membership, military and loyalty to make the costs even lower. Geico also offers several coverage options to tailor to your needs.

State Farm

State Farm has several insurance options and discounts, including bundling your car insurance with other types of insurance you might need such as home or renters insurance. State Farm is also a good option if you have teen drivers because of the discounts for students and teens.

USAA

USAA received 5 out of 5 in every category that J.D. Power surveyed (overall satisfaction, policy offerings, price, billing process and policy information, interaction and claims). USAA serves members of the military and their families, so the rates for this company are generally lower than what other providers have since it only serves a specific population.

Average cost of car insurance in Idaho

The average car insurance premium in Idaho is $1,018 per year. Idaho has a much cheaper car insurance rate than the national average of $1,738 for full coverage.

Average annual premium for minimum coverage in Idaho Average annual premium for full coverage in Idaho
$274 $1,048

State minimum insurance requirements in Idaho

At a minimum, your car insurance in Idaho must cover the following:

  • Bodily injury liability coverage: This is coverage for any bodily injury caused to other drivers, passengers or pedestrians. You must have $25,000 per person and $50,000 per accident
  • Property damage liability coverage: This is coverage for any property damage done. You need $15,000 per accident
  • Uninsured motorist coverage: This is coverage to protect you if you or your vehicle are damaged by an at-fault driver who does not have car insurance. You need $25,000 per person and $50,000 per accident
  • Underinsured motorist coverage: This is coverage to protect you if you or your vehicle are damaged by an at-fault driver who has insufficient car insurance coverage. You need $25,000 per person and $50,000 per accident

How to get the best car insurance

To find the best car insurance in Idaho, the first step is to research the top rated insurance companies in your area by state and ZIP code to find the best car insurance companies, write down a list of what you’re looking for in a car insurance policy, your budget, any discounts you may qualify for, and your driving history.

Although minimum coverage is significantly less expensive than full coverage, you will not be protected from any damages that can come from unexpected and no-fault accidents. However, full coverage will protect you in the event you are involved in a no-fault accident even with uninsured drivers.

Evaluate your needs

Evaluate your car insurance needs by being honest about your circumstances and identifying what you’re looking for. Each driver’s needs are different. You may have a boat and/or own a home, so bundling may be something that you need in an auto insurance policy. Not all car insurance companies in Idaho have a bundling option, so it is in your best interest to identify these needs up front.

For example, if you have multiple vehicles, you may want to look into a multi-car policy. Look for car insurance in Idaho that offers a multi-car policy or bundling options to save more on your premiums.

Consider state factors

Insurance companies offer additional add-on coverage options for drivers. Idaho receives about 47 inches of snow per year. Car insurance companies offer add-ons specific to climate such as tire and wheel protection, emergency roadside assistance and engine protection.

Car insurance discounts in Idaho

Nearly every insurance provider in Idaho offers policy discounts. When shopping for the cheapest best car insurance in Idaho offers, ask what discounts you may qualify for. Here are a few popular discounts for each of our top four insurance companies in Idaho.

Geico

  • Customer loyalty for Geico customers who have a history of doing business with the company
  • Federal employee
  • Good driver if you maintain a clean driving record
  • Multi-policy if you have more than one policy with Geico

State Farm

  • Accident-free
  • Drive safe and save discount if using a smartphone app it is determined you practice safe driving habits
  • Good student if the insured student maintains good grades
  • Steer clear discount if you are under 25 and maintain a clean and accident-free driving record

USAA

  • Defensive driving discount if you take defensive driving courses
  • Family discounts where military discounts are extended to the families of active duty or veterans
  • Good driving discount if you maintain a clean driving record
  • Loyalty discount if you have a history of doing business with USAA
  • Multi-policy discount if you have more than one insurance policy with USAA

Frequently asked questions

What is the best car insurance in Idaho?

USAA for active duty or veteran military is the cheapest overall. However, you may be eligible for discounts or special rates that make a different company the best for you or a more expensive option might give you the coverage options you need.

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

You’ll need personal information such as:

  • Vehicle information: VIN, license plate, current mileage and annual mileage
  • Personal information: ID, name, date of birth, address and social security number for each insured driver
  • Current coverage: coverage limits on current policy

How do I find the cheapest policy for me?

We recommend seeking quotes from at least three insurance companies each year to ensure you are getting the best price. Just because an insurance company offers you the best deal now does not mean they will still be the best deal a year from now. Shop around.

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

This depends on the insurer and the type of claim you are filing. When shopping for rates, ask this question to insurance agents to find out what their company policies are.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 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 cleaning 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 2018 Honda Accord, 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.