The Cheapest and Best Car Insurance in Idaho 2022

The Cheapest and Best Car Insurance in Idaho 2022

Auto-Owners had the best cheap car insurance in Idaho, at $236 per year and $20 per month for minimum liability coverage.

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Cheapest auto insurance in Idaho: Auto-Owners

Idaho drivers who only want minimum liability coverage will likely find the cheapest rates from Auto-Owners. We found the average annual premium from Auto-Owners is $236 per year. That's 45% cheaper than the state average for minimum coverage.

The average cost of car insurance in Idaho is $428 per year, or $36 per month, for minimum liability.

Cheapest car insurance companies in Idaho

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If you or an immediate family member has served in the armed forces, however, you can qualify for even cheaper insurance from USAA. Annual rates from USAA are $25 less per year than Auto-Owners and 51% less than the average cost of minimum coverage in Idaho.

Company
Annual rate
Monthly rate
Auto-Owners$236$20
State Farm$315$26
Geico$403$34
Farm Bureau$442$37
Allstate$553$46
Farmers$610$51
American Family$665$55
USAA$209$17

USAA is only available to current and former military members and their families.

Although minimum liability coverage is the cheapest form of car insurance, it is usually not the best option. Minimum liability policies only cover the other driver's injuries or repairs; they do not cover any damage to your own car. In order to avoid expensive repairs after an at-fault accident, we recommend full coverage car insurance.

Cheapest company for full coverage: Auto-Owners

Auto-Owners has the lowest widely available rates for full coverage in Idaho, charging 40% less than the state average. If you're not in a military family and do not qualify for USAA, start your search with Auto-Owners.

Full coverage car insurance in Idaho costs $1,293 per year, or $108 per month.

Company
Annual rate
Monthly rate
Auto-Owners$782$65
State Farm$872$73
Geico$1,227$102
American Family$1,442$120
Farm Bureau$1,465$122
Allstate$1,822$152
Farmers$2,088$174
USAA$646$54

*USAA is only available to current and former military members and their families.

Full coverage policies cover damage to your own car by adding collision and comprehensive coverages to liability coverage. Collision coverage pays for damage that occurs in a driving accident; comprehensive coverage pays for damage out of your control, such as when an animal runs across the road unexpectedly or your car sustains weather-related damage.

Cheap car insurance for drivers with prior incidents

Insurers set your rates based on your driving history and other factors, such as your credit score. If you were recently responsible for a crash, or received a citation for driving under the influence or speeding, your rates will likely be higher because insurance companies see you as a riskier driver.

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Cheapest for drivers with an accident: Auto-Owners

If you're an Idaho driver who has been involved in an at-fault accident, you could find your best rates from Auto-Owners. Insurance for Idaho drivers with an at-fault accident on their record is $1,775 per year on average, but Auto-Owners charges only $896 — 50% less than the state average and 14% less than State Farm, the next-cheapest insurer.

Company
Annual rate
Monthly rate
Auto-Owners$896$75
State Farm$1,036$86
American Family$1,500$125
Farm Bureau$1,915$160
Geico$2,206$184
Allstate$2,811$234
Farmers$2,927$244
USAA$909$76

USAA is only available to current and former military members and their families.

Average rates in Idaho increase by 37% after an at-fault accident. In other words, just one mistake can cost you almost $500 more annually in premiums.

Cheapest car insurance for people with a speeding ticket: Auto-Owners

We found that drivers in Idaho can find the lowest auto insurance rates with Auto-Owners, which charges $782 per year. That's $728 less per year than the state average.

Speeding tickets raise your rate by an average of $217 per year in Idaho.

Company
Annual rate
Monthly rate
Auto-Owners$782$65
State Farm$954$80
Farm Bureau$1,465$122
American Family$1,500$125
Geico$1,505$125
Allstate$2,126$177
Farmers$2,931$244
USAA$818$68

*USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with a DUI: American Family

American Family had the most affordable coverage for drivers with a DUI on their record. The average rate is $1,500 per year, which is 35% less than the average rate for drivers with a DUI.

Driving under the influence (DUI) puts not only your life at risk, but also the lives of any passengers and the drivers on the road. That's why it causes rates to go up more sharply than any other driving incidents. Premiums for drivers with a DUI increased by 78%, compared to 37% for an at-fault accident and 17% for a speeding ticket.

Company
Annual rate
Monthly rate
American Family$1,500$125
Auto-Owners$1,744$145
State Farm$1,769$147
Allstate$2,482$207
Farmers$2,630$219
Farm Bureau$3,214$268
Geico$3,688$307
USAA$1,357$113

USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with poor credit: Geico

Drivers with poor credit looking for the most affordable auto insurance should get quotes from Geico. Its rates are 33% cheaper than the state average of $2,258, costing just $1,505 per year.

Your credit score might seem irrelevant to your driving abilities, but insurance companies consider it when setting your rates. In Idaho, drivers with poor credit pay 75% more than drivers with average credit.

Company
Annual rate
Monthly rate
Geico$1,505$125
Auto-Owners$1,577$131
American Family$2,338$195
Farm Bureau$2,451$204
Allstate$2,611$218
Farmers$3,196$266
State Farm$3,299$275
USAA$1,087$91

USAA is only available to current and former military members and their families.

Cheapest car insurance for married drivers: Auto-Owners

At $782 annually, Auto-Owners has the best rates for married drivers in Idaho. Auto insurance premiums are generally cheaper for married drivers because they're statistically less likely to get into accidents. Idaho drivers who are married pay $98 less per year on average for full coverage.

Company
Annual rate
Monthly rate
Auto-Owners$782$65
State Farm$872$73
Geico$1,164$97
American Family$1,244$104
Farm Bureau$1,384$115
Allstate$1,769$147
Farmers$1,782$148
USAA$561$47

USAA is only available to current and former military members and their families.

Cheapest car insurance for young drivers: Farm Bureau

Farm Bureau has the best rates for 18-year-old drivers in Idaho, charging $968 per year for coverage. While that's certainly expensive, it's 34% cheaper than the state average and $2,025 cheaper than the most expensive insurer, Farmers.

Young Idaho drivers pay $1,461 per year, or $122 per month on average, for minimum coverage car insurance — 241% more than older drivers.

For full coverage, we recommend Auto-Owners, which offers teen drivers rates of $2,568 per year — 37% less than the average of $4,084.

Company
Liability only
Full coverage
Farm Bureau$968$3,212
Auto-Owners$976$2,568
State Farm$1,065$2,722
Geico$1,563$4,358
American Family$1,580$3,348
Allstate$1,965$7,482
Farmers$2,993$7,263
USAA$577$1,722

*USAA is only available to current and former military members and their families.

Young drivers in Idaho pay nearly triple what 30-year-old drivers pay for coverage. This is because age correlates with safer driving; the younger you are, the more statistically likely you are to get into an accident. Insurers account for this increased risk by charging higher rates to young drivers and gradually lowering them as they grow older and gain experience on the roads.

Cheapest car insurance for young drivers after an accident: Auto-Owners

If you're a young driver in Idaho who has been in an at-fault accident, be sure to obtain quotes from Auto-Owners. Minimum coverage with the company after a crash costs $1,132 per year, which is $655 cheaper than the state average.

Young drivers with an at-fault accident on their records pay some of the highest car insurance rates. Average annual premiums for an 18-year-old Idaho driver increased by 22% after an at-fault accident to $1,786.

Company
Annual rate
Monthly rate
Auto-Owners$1,132$94
Farm Bureau$1,270$106
State Farm$1,301$108
American Family$1,646$137
Geico$1,828$152
Allstate$2,530$211
Farmers$3,595$300
USAA$988$82

USAA is only available to current and former military members and their families.

Cheapest car insurance for young drivers after a ticket: Farm Bureau

Farm Bureau offers the best rates to young drivers in Idaho after a ticket, with average annual premiums costing $968 — 42% less than the state average of $1,671.

Young Idaho drivers who receive a citation for speeding will see their rates increase by an average of 14% — a relatively small jump, compared to the increase younger drivers face by virtue of their age.

Company
Annual rate
Monthly rate
Farm Bureau$968$81
Auto-Owners$1,132$94
State Farm$1,183$99
Geico$1,645$137
American Family$1,646$137
Allstate$2,368$197
Farmers$3,587$299
USAA$839$70

USAA is only available to current and former military members and their families.

Fortunately, young drivers won't have to pay these increased rates forever. Auto insurance becomes more affordable as you get older, and speeding tickets usually stay on your record for just three years.

Best auto insurance companies in Idaho

Auto-Owners is the best insurer in Idaho, according to ValuePenguin's editor ratings and J.D. Power's customer service rankings.

We found Auto-Owners' overall mix of dependable service, useful coverage options, and generally affordable rates to be the best available to Idaho drivers.

Company
Editor's rating
J.D. Power
A.M . Best
Auto-Owners
842A++
State Farm
844A++
Farm Bureau
NRA-
American Family
823A
Geico
821A++
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Auto-Owners also ranked near the top of J.D. Power's study, scoring an 842 out of a possible 1,000 for customer satisfaction with its auto claims process. State Farm and Farm Bureau also received excellent marks overall.

Every Idaho insurer featured in our study had a Financial Strength Rating from AM Best of A- or better. This grade means AM Best believes they have an "Excellent" or "Superior" ability to pay out claims.

Average car insurance cost in Idaho by city

Eastport is the most expensive city in Idaho for car insurance, at an average of $1,407 per year. Mountain Home is the cheapest, at only $1,096 annually.

In addition to credit score and accident history, insurers factor your location into your auto insurance rates. Depending on where you live in Idaho, your rates can vary by as much as $311 per year. Areas with more accidents and auto theft tend to have higher insurance costs, so if your city is such an area, you'll likely pay more.

City
Average annual cost
Percent from average
Aberdeen$1,2910%
Ahsahka$1,3867%
Albion$1,265-2%
Almo$1,268-2%
American Falls$1,262-2%
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Minimum requirements for auto insurance coverage in Idaho

Auto insurance policies sold to Idaho drivers must have the following limits:

Liability
Minimum coverage
Bodily injury (BI)$25,000 per person and $50,000 per accident
Property damage (PD)$15,000 per accident

Bodily injury liability coverage covers injuries the other driver might sustain in an accident, while property damage liability coverage pays for repairs to their property.

Recap of the cheapest car insurance in Idaho

  • Minimum coverage: Auto-Owners
  • Full coverage: Auto-Owners
  • After a speeding ticket: Auto-Owners
  • After an at-fault accident: Auto-Owners
  • After a DUI: American Family
  • Poor credit history: Geico
  • Married drivers: Auto-Owners
  • Young drivers: Farm Bureau
  • Young drivers after a ticket: Farm Bureau
  • Young drivers after an accident: Auto-Owners

Methodology

We collected thousands of rates from ZIP codes across Idaho for the state's largest insurers. We used a sample driver with the following profile:

  • 30-year-old man
  • Drives a 2015 Honda Civic EX
  • Average credit

The base policy for the study was a full-coverage policy with the following limits:

Coverage type
Study limits
Bodily liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For our minimum-coverage policy, we quoted a policy with the minimum required limits in Idaho. We also used minimum coverage in our sample quotes for younger drivers.

For other rates analyses (credit score, accident history and marital status) the base policy listed above was alternated to reflect the new driver.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.