Best Car Insurance Rates in Idaho

Best Car Insurance Rates in Idaho

Our analysis found that State Farm offers the best car insurance quotes for most Idaho drivers. A minimum coverage policy cost just $23 per month.

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Our analysis found that State Farm offers the best car insurance quotes for most Idaho drivers. A minimum coverage policy cost just $23 per month.

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As you shop for your best rates, we recommend comparing quotes from at least three auto insurance companies. Entering your ZIP code into the box above will provide you with quotes from the top providers near you. You can also keep reading for our analysis of the most affordable premiums in the state.

Cheapest auto insurance in Idaho: State Farm

Idaho drivers who only want minimum liability coverage will likely find the cheapest rates from State Farm. We surveyed premiums all across the state and found that the average annual premium from State Farm is $271 per year for our sample driver profile. That's 52% cheaper than the state average for minimum coverage, which is $559 per year.

Find Cheap Auto Insurance Quotes 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 $38 less per year than State Farm and 58% less than the average cost of minimum coverage in Idaho.

Rank
Company
Average annual rate
1State Farm**$271
2Farm Bureau$477
3Farmers**$500
4Geico$551
5Allstate$560
6Auto-Owners$771
7American Family$1,105
N/AUSAA$233

USAA is excluded from rankings because it is only available to current and former military members and their families.

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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.

Because minimum coverage policies only pay for the other driver's injuries or repairs, paying for full coverage is the best way to avoid high out-of-pocket costs.

Cheapest company for full coverage: State Farm

Full coverage car insurance in Idaho costs $1,706 per year, or $142 per month, according to our analysis. State Farm has the lowest widely available rates for full coverage, charging our sample driver 43% less than the state average. If you're not in a military family and do not qualify for USAA, start your search with State Farm.

Insurer
Cost per year
Cost per month
State Farm$965$80
Geico$1,481$123
Farm Bureau$1,586$132
Idaho average$1,706$142
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Full coverage policies cover damage to your own car as well as the other driver's 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 have caused an at-fault accident 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.

To help those with prior incidents on their record select affordable coverage, we identified the cheapest full coverage car insurance for Idaho drivers who have:

Find Cheap Auto Insurance Quotes in Idaho

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Cheapest for drivers with an accident: State Farm

If you're an Idaho driver who has been involved in an at-fault accident, you could find your best rates from State Farm. Auto insurance for Idaho drivers with an at-fault accident on their record is $2,292 per year on average, but State Farm charges only $1,149 — 50% less than the state average and 37% less than Auto-Owners, the next-cheapest insurer.

Insurer
Cost per year
Cost per month
State Farm$1,149$96
Auto-Owners$1,831$153
American Family$1,965$164
Idaho average$2,292$191
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Average rates in Idaho increase by 34% after an at-fault accident. In other words, just one mistake can cost you almost $600 more annually in premiums, as well as the deductible you pay before your full coverage kicks in.

Cheapest car insurance for people with a speeding ticket: State Farm

Speeding tickets also raise your rates, but only by $253 on average — not nearly as much as the $586 increase after an at-fault accident. We found that drivers in Idaho could find the lowest auto insurance rates with State Farm, which charges $1,057 annually. That's $902 less than the state average.

Insurer
Cost per year
Cost per month
State Farm$1,057$88
Geico$1,558$130
Farm Bureau$1,586$132
Idaho average$1,959$163
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Cheapest car insurance for drivers with a DUI: State Farm

Driving under the influence (DUI) puts not only your life at risk, but also the lives of any passengers and the drivers around you on the road. Accordingly, it causes rates to go up more sharply than any of the other incidents in our study. Premiums for drivers with a DUI increased by 66%, compared to 34% for an at-fault accident and 15% for a speeding ticket.

State Farm had the most affordable coverage for drivers with a DUI on their record. Annual premiums cost $1,057. Not only is that 63% more affordable than the state average, but it is the same rate State Farm charges drivers with a speeding ticket.

Insurer
Cost per year
Cost per month
State Farm$1,057$88
American Family$1,965$164
Farm Bureau$3,465$289
Idaho average$2,836$236
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Cheapest car insurance for drivers with poor credit: State Farm

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 52% more than drivers with average credit.

Drivers with poor credit looking for the most affordable auto insurance should get quotes from State Farm. It's rates are 29% cheaper than the state average of $2,032, costing just $1,435 per year.

Insurer
Cost per year
Cost per month
State Farm$1,435$120
Geico$1,558$130
Auto-Owners$2,055$171
Idaho average$2,032$169
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No hassle. No hidden costs.\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"QuoteWizardQuoteForm\"\u003E{\"buttonText\":\"ID Quotes\",\"customEventLabel\":\"\",\"defaultProduct\":\"auto\",\"defaultZip\":\"\",\"hideTitle\":false,\"id\":\"QuoteWizardQuoteForm--472\",\"isAgeFieldVisible\":true,\"isDeltyForm\":false,\"isInsuranceTypeFieldVisible\":true,\"isInsuredStatusFieldVisible\":true,\"quoteWizardEndpoint\":\"https:\\\/\\\/quotes.valuepenguin.com\",\"showTrustMessage\":\"true\",\"style\":\"dropshadow\",\"tier\":\"VPT1\",\"title\":\"Find Cheap Auto Insurance Quotes in Idaho\",\"trackingKey\":\"_best-cheap-car-insurance-idaho\",\"trustMessage\":\"No spam. No hassle. No hidden costs.\",\"vendor\":\"vp\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"accident\"\u003ECheapest for drivers with an accident: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EIf you're an Idaho driver who has been involved in an at-fault accident, you could find your best rates from \u003Cstrong\u003EState Farm\u003C\/strong\u003E. Auto insurance for Idaho drivers with an at-fault accident on their record is \u003Cstrong\u003E$2,292\u003C\/strong\u003E per year on average, but \u003Cstrong\u003EState Farm\u003C\/strong\u003E charges only $1,149 \u2014 50% less than the state average and 37% less than Auto-Owners, the next-cheapest insurer.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per year\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per month\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,149\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$96\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAuto-Owners\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,831\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$153\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,965\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$164\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIdaho average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,292\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$191\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Cost per year\",\"Cost per month\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,149\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$96\\u003C\\\/strong\\u003E\"],[\"Auto-Owners\",\"$1,831\",\"$153\"],[\"American Family\",\"$1,965\",\"$164\"],[\"Idaho average\",\"$2,292\",\"$191\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EAverage rates in Idaho increase by 34% after an at-fault accident. In other words, just one mistake can cost you almost $600 more annually in premiums, as well as the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"deductible\" href=\"https:\/\/www.valuepenguin.com\/auto-insurance-deductible\"\u003Edeductible\u003C\/a\u003E\u003C\/span\u003E you pay before your full coverage kicks in.\u003C\/p\u003E\n\n\u003Ch3 id=\"speeding\"\u003ECheapest car insurance for people with a speeding ticket: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003ESpeeding tickets also raise your rates, but only by $253 on average \u2014 not nearly as much as the $586 increase after an at-fault accident. We found that drivers in Idaho could find the lowest auto insurance rates with \u003Cstrong\u003EState Farm\u003C\/strong\u003E, which charges $1,057 annually. That's $902 less than the state average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per year\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per month\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,057\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$88\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,558\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$130\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFarm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,586\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$132\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIdaho average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,959\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$163\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Cost per year\",\"Cost per month\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,057\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$88\\u003C\\\/strong\\u003E\"],[\"Geico\",\"$1,558\",\"$130\"],[\"Farm Bureau\",\"$1,586\",\"$132\"],[\"Idaho average\",\"$1,959\",\"$163\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"dui\"\u003ECheapest car insurance for drivers with a DUI: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EDriving under the influence (DUI) puts not only your life at risk, but also the lives of any passengers and the drivers around you on the road. Accordingly, it causes rates to go up more sharply than any of the other incidents in our study. Premiums for drivers with a DUI increased by 66%, compared to 34% for an at-fault accident and 15% for a speeding ticket.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E had the most affordable coverage for drivers with a DUI on their record. Annual premiums cost $1,057. Not only is that 63% more affordable than the state average, but it is the same rate State Farm charges drivers with a speeding ticket.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per year\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per month\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,057\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$88\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,965\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$164\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFarm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,465\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$289\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIdaho average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,836\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$236\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Cost per year\",\"Cost per month\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,057\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$88\\u003C\\\/strong\\u003E\"],[\"American Family\",\"$1,965\",\"$164\"],[\"Farm Bureau\",\"$3,465\",\"$289\"],[\"Idaho average\",\"$2,836\",\"$236\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"credit\"\u003ECheapest car insurance for drivers with poor credit: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EYour 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 52% more than drivers with average credit.\u003C\/p\u003E\n\n\u003Cp\u003EDrivers with poor credit looking for the most affordable auto insurance should get quotes from \u003Cstrong\u003EState Farm\u003C\/strong\u003E. It's rates are 29% cheaper than the state average of $2,032, costing just $1,435 per year.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per year\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per month\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,435\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$120\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,558\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$130\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAuto-Owners\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,055\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$171\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIdaho average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,032\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$169\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Cost per year\",\"Cost per month\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,435\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$120\\u003C\\\/strong\\u003E\"],[\"Geico\",\"$1,558\",\"$130\"],[\"Auto-Owners\",\"$2,055\",\"$171\"],[\"Idaho average\",\"$2,032\",\"$169\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"double"}

Cheapest car insurance for married drivers: State Farm

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 $103 less per year on average for full coverage. At $965 annually, State Farm has the best rates for married drivers.

Insurer
Cost per year
Cost per month
State Farm$965$80
Geico$1,406$117
State Farm$1,586$132
Idaho average$1,603$134
{"alignsHorizontal":["left","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["Insurer","Cost per year","Cost per month"],["\u003Cstrong\u003EState Farm\u003C\/strong\u003E","\u003Cstrong\u003E$965\u003C\/strong\u003E","\u003Cstrong\u003E$80\u003C\/strong\u003E"],["Geico","$1,406","$117"],["State Farm","$1,586","$132"],["Idaho average","$1,603","$134"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EAuto insurance premiums are generally cheaper for married drivers because they're statistically less likely to get into accidents. Idaho drivers who are married pay $103 less per year on average for full coverage. At $965 annually, \u003Cstrong\u003EState Farm\u003C\/strong\u003E has the best rates for married drivers.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per year\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per month\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$965\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$80\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,406\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$117\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,586\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$132\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIdaho average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,603\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$134\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Cost per year\",\"Cost per month\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$965\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$80\\u003C\\\/strong\\u003E\"],[\"Geico\",\"$1,406\",\"$117\"],[\"State Farm\",\"$1,586\",\"$132\"],[\"Idaho average\",\"$1,603\",\"$134\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"double"}

Cheapest car insurance for young drivers: State Farm

Young Idaho drivers pay $4,799 per year, or $400 per month, on average — $3,093 more than older drivers.

State Farm has the best rates for these young drivers, charging $3,034 annually, or $253 monthly. While that's certainly expensive, it's 37% cheaper than the state average and 66% cheaper than the most expensive insurer, Allstate.

Rank
Insurer
Full coverage
Minimum coverage
1State Farm$3,034$918
2Farm Bureau$3,944$1,203
3American Family$4,047$2,138
4Geico$4,818$1,930
5Auto-Owners$5,664$2,917
6Farmers$5,904$2,931
7Allstate$9,031$1,952
N/AUSAA$1,946$619

USAA is excluded from rankings because it is only available to current and former military members and their families.

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Young drivers in Idaho pay almost triple what adult drivers pay for full coverage. This is because age correlates with safe 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 for young drivers with one accident: State Farm

Young drivers with an at-fault accident on their records pay some of the highest car insurance rates. Average annual premiums for our sample 18-year-old Idaho driver increased by 21% after an at-fault accident, from $4,799 to $5,825.

If you're a young driver who has been in an at-fault accident, be sure to obtain quotes from State Farm. Full coverage costs $3,662 per year, which is more than $2,000 cheaper than the state average.

Insurer
Cost per year
Cost per month
State Farm$3,662$305
American Family$4,217$351
Farm Bureau$5,166$430
Idaho average$5,825$485
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Cheapest for young drivers with one speeding ticket: State Farm

Young Idaho drivers who receive a citation for speeding will see their rates increase by 14%. State Farm also offers the best rates to these young drivers, with average annual premiums costing $3,348 — 39% less than the state average of $5,477.

Insurer
Cost per year
Cost per month
State Farm$3,348$279
Farm Bureau$3,944$329
American Family$4,217$351
Idaho average$5,477$456
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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.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n \nYoung Idaho drivers pay $4,799 per year, or $400 per month, on average \u2014 $3,093 more than older drivers.\n\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E has the best rates for these young drivers, charging $3,034 annually, or $253 monthly. While that's certainly expensive, it's 37% cheaper than the state average and 66% cheaper than the most expensive insurer, Allstate.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ERank\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EFull coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMinimum coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$3,034\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$918\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFarm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,944\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,203\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,047\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,138\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,818\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,930\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAuto-Owners\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,664\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,917\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E6\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFarmers\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,904\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,931\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E7\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$9,031\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,952\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/em\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,946\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$619\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E\u003Cem\u003EUSAA is excluded from rankings because it is only available to current and former military members and their families.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Rank\",\"Insurer\",\"Full coverage\",\"Minimum coverage\"],[\"1\",\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$3,034\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$918\\u003C\\\/strong\\u003E\"],[\"2\",\"Farm Bureau\",\"$3,944\",\"$1,203\"],[\"3\",\"American Family\",\"$4,047\",\"$2,138\"],[\"4\",\"Geico\",\"$4,818\",\"$1,930\"],[\"5\",\"Auto-Owners\",\"$5,664\",\"$2,917\"],[\"6\",\"Farmers\",\"$5,904\",\"$2,931\"],[\"7\",\"Allstate\",\"$9,031\",\"$1,952\"],[\"N\\\/A\",\"USAA\\u003C\\\/em\\u003E\",\"$1,946\",\"$619\"]],\"footnote\":\"\\u003Cem\\u003EUSAA is excluded from rankings because it is only available to current and former military members and their families.\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EYoung drivers in Idaho pay almost triple what adult drivers pay for full coverage. This is because \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"age correlates with safe driving\" href=\"https:\/\/www.valuepenguin.com\/how-age-affects-auto-insurance-costs\"\u003Eage correlates with safe driving\u003C\/a\u003E\u003C\/span\u003E; 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.\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one accident: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EYoung drivers with an at-fault accident on their records pay some of the highest car insurance rates. Average annual premiums for our sample 18-year-old Idaho driver increased by 21% after an at-fault accident, from $4,799 to $5,825.\u003C\/p\u003E\n\n\u003Cp\u003EIf you're a young driver who has been in an at-fault accident, be sure to obtain quotes from \u003Cstrong\u003EState Farm\u003C\/strong\u003E. Full coverage costs $3,662 per year, which is more than $2,000 cheaper than the state average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per year\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per month\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$3,662\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$305\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,217\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$351\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFarm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,166\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$430\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIdaho average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,825\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$485\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Cost per year\",\"Cost per month\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$3,662\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$305\\u003C\\\/strong\\u003E\"],[\"American Family\",\"$4,217\",\"$351\"],[\"Farm Bureau\",\"$5,166\",\"$430\"],[\"Idaho average\",\"$5,825\",\"$485\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one speeding ticket: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EYoung Idaho drivers who receive a citation for speeding will see their rates increase by 14%. \u003Cstrong\u003EState Farm\u003C\/strong\u003E also offers the best rates to these young drivers, with average annual premiums costing $3,348 \u2014 39% less than the state average of $5,477.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per year\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per month\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$3,348\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$279\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFarm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,944\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$329\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,217\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$351\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIdaho average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,477\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$456\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Cost per year\",\"Cost per month\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$3,348\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$279\\u003C\\\/strong\\u003E\"],[\"Farm Bureau\",\"$3,944\",\"$329\"],[\"American Family\",\"$4,217\",\"$351\"],[\"Idaho average\",\"$5,477\",\"$456\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EFortunately, young drivers won't have to pay these increased rates forever. Auto insurance becomes more affordable as you get older, and \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"speeding tickets usually stay on your record for just three years\" href=\"https:\/\/www.valuepenguin.com\/car-insurance\/how-long-does-speeding-ticket-stay-on-record\"\u003Espeeding tickets usually stay on your record for just three years\u003C\/a\u003E\u003C\/span\u003E. \n","padding":"double"}

Best auto insurance companies in Idaho

Auto-Owners is the best insurer in Idaho, according to ValuePenguin's survey of current customers' satisfaction with service and claims.

Policyholders also gave USAA and American Family high marks, so we recommend considering these companies as well.

Overall rank
Group
Percentage of respondents overall extremely satisfied with most recent claim
Percentage of respondents who rated customer service as "excellent"
1Auto-Owners100%67%
2USAA78%62%
3American Family86%50%
4State Farm73%46%
5Allstate72%47%
6Farmers71%38%
7Geico64%42%
N/AFarm BureauN/AN/A

Overall rank takes both claim satisfaction and customer service rankings into account.

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Data from the National Association of Insurance Commissioners (NAIC) and J.D. Power further confirms Auto-Owners and USAA's excellent customer service reputations.

Auto-Owners' Complaint Index was just 0.42, meaning that it received less than half as many complaints as is typical for its size. It also ranked at the top of J.D. Power's study, scoring an 890 out of a possible 1,000 for customer satisfaction with its auto claims process.

USAA also scored an 890 with J.D. Power, and received a 0.68 Complaint Index from the NAIC. This means it received about one-third fewer complaints than is typical for an auto insurer of its size.

Given these consistently high marks, we recommend choosing one of these insurers if excellent customer service is your top priority. Farm Bureau is another solid option, as it received the lowest Complaint Index score of the companies in this study — just 0.26.

Insurer
NAIC Complaint Index (lower is better)
J.D. Power Claims Satisfaction score (higher is better)
AM Best Financial Strength Rating
State Farm0.66881A++
Farm Bureau0.26N/AA-
Farmers0.00872A
Allstate0.63876A+
Auto-Owners0.42890A++
USAA0.68890A++
Geico1.01871A++
American Family0.44862A
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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.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n \nAuto-Owners is the best insurer in Idaho, according to ValuePenguin's survey of current customers' satisfaction with service and claims. \n\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EPolicyholders also gave USAA and American Family high marks, so we recommend considering these companies as well.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EOverall rank\u003C\/em\u003E\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EGroup\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EPercentage of respondents overall extremely satisfied with most recent claim\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EPercentage of respondents who rated customer service as \"excellent\"\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAuto-Owners\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E100%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E67%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E78%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E62%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E86%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E50%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E73%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E46%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E72%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E47%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E6\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFarmers\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E71%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E38%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E7\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E64%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E42%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFarm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EN\/A\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E\u003Cem\u003EOverall rank takes both claim satisfaction and customer service rankings into account.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Overall rank\\u003C\\\/em\\u003E\",\"Group\",\"Percentage of respondents overall extremely satisfied with most recent claim\",\"Percentage of respondents who rated customer service as \\\"excellent\\\"\"],[\"1\",\"Auto-Owners\",\"100%\",\"67%\"],[\"2\",\"USAA\",\"78%\",\"62%\"],[\"3\",\"American Family\",\"86%\",\"50%\"],[\"4\",\"State Farm\",\"73%\",\"46%\"],[\"5\",\"Allstate\",\"72%\",\"47%\"],[\"6\",\"Farmers\",\"71%\",\"38%\"],[\"7\",\"Geico\",\"64%\",\"42%\"],[\"N\\\/A\",\"Farm Bureau\",\"N\\\/A\",\"N\\\/A\"]],\"footnote\":\"\\u003Cem\\u003EOverall rank takes both claim satisfaction and customer service rankings into account.\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EData from the National Association of Insurance Commissioners (NAIC) and J.D. Power further confirms Auto-Owners and USAA's excellent customer service reputations.\u003C\/p\u003E\n\n\u003Cp\u003EAuto-Owners' Complaint Index was just 0.42, meaning that it received less than half as many complaints as is typical for its size. It also ranked at the top of J.D. Power's study, scoring an 890 out of a possible 1,000 for customer satisfaction with its auto claims process.\u003C\/p\u003E\n\n\u003Cp\u003EUSAA also scored an 890 with J.D. Power, and received a 0.68 Complaint Index from the NAIC. This means it received about one-third fewer complaints than is typical for an auto insurer of its size.\u003C\/p\u003E\n\n\u003Cp\u003EGiven these consistently high marks, we recommend choosing one of these insurers if excellent customer service is your top priority. Farm Bureau is another solid option, as it received the lowest Complaint Index score of the companies in this study \u2014 just 0.26.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ENAIC Complaint Index (lower is better)\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EJ.D. Power Claims Satisfaction score (higher is better)\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAM Best Financial Strength Rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.66\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E881\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFarm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.26\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA-\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFarmers\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.00\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E872\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.63\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E876\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAuto-Owners\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.42\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E890\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.68\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E890\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E1.01\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E871\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.44\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E862\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"NAIC Complaint Index (lower is better)\",\"J.D. Power Claims Satisfaction score (higher is better)\",\"AM Best Financial Strength Rating\"],[\"State Farm\",\"0.66\",\"881\",\"A++\"],[\"Farm Bureau\",\"0.26\",\"N\\\/A\",\"A-\"],[\"Farmers\",\"0.00\",\"872\",\"A\"],[\"Allstate\",\"0.63\",\"876\",\"A+\"],[\"Auto-Owners\",\"0.42\",\"890\",\"A++\"],[\"USAA\",\"0.68\",\"890\",\"A++\"],[\"Geico\",\"1.01\",\"871\",\"A++\"],[\"American Family\",\"0.44\",\"862\",\"A\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEvery 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.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Average car insurance cost in Idaho by city

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 $351 per year. More populous areas tend to experience more accidents and auto theft, so if your city is in such an area, you'll likely pay more.

City
Average annual cost
Percentage difference from average
Mountain Home$1,506-11.7%
Meridian$1,522-10.8%
Mountain Home AFB$1,543-9.6%
Boise$1,551-9.1%
Glenns Ferry$1,553-9.0%
King Hill$1,557-8.7%
Garden City$1,560-8.6%
Hammett$1,570-8.0%
Eagle$1,574-7.8%
Kuna$1,584-7.2%
Payette$1,588-6.9%
Fruitland$1,589-6.9%
Show All Rows
{"alignsHorizontal":["left","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["City","Average annual cost","Percentage difference from average"],["Mountain Home","$1,506","-11.7%"],["Meridian","$1,522","-10.8%"],["Mountain Home AFB","$1,543","-9.6%"],["Boise","$1,551","-9.1%"],["Glenns Ferry","$1,553","-9.0%"],["King Hill","$1,557","-8.7%"],["Garden City","$1,560","-8.6%"],["Hammett","$1,570","-8.0%"],["Eagle","$1,574","-7.8%"],["Kuna","$1,584","-7.2%"],["Payette","$1,588","-6.9%"],["Fruitland","$1,589","-6.9%"],["Emmett","$1,595","-6.6%"],["Letha","$1,596","-6.5%"],["Star","$1,596","-6.5%"],["New Plymouth","$1,598","-6.4%"],["Wendell","$1,599","-6.3%"],["Robie Creek","$1,599","-6.3%"],["Hagerman","$1,599","-6.3%"],["Gooding","$1,601","-6.2%"],["Bliss","$1,601","-6.2%"],["Buhl","$1,607","-5.8%"],["Parma","$1,609","-5.7%"],["Twin Falls","$1,609","-5.7%"],["Hazelton","$1,615","-5.3%"],["Middleton","$1,616","-5.3%"],["Eden","$1,616","-5.3%"],["Jerome","$1,619","-5.1%"],["Wilder","$1,619","-5.1%"],["Heyburn","$1,622","-4.9%"],["Hailey","$1,623","-4.9%"],["Castleford","$1,624","-4.8%"],["Filer","$1,624","-4.8%"],["Murtaugh","$1,625","-4.8%"],["Sweet","$1,625","-4.8%"],["Banks","$1,627","-4.7%"],["Caldwell","$1,627","-4.6%"],["Rupert","$1,627","-4.6%"],["Paul","$1,628","-4.6%"],["Marsing","$1,628","-4.6%"],["Sun Valley","$1,628","-4.6%"],["Bellevue","$1,629","-4.6%"],["Ketchum","$1,630","-4.5%"],["Rogerson","$1,631","-4.4%"],["Hansen","$1,633","-4.3%"],["Greenleaf","$1,633","-4.3%"],["Kimberly","$1,634","-4.2%"],["Ola","$1,636","-4.1%"],["Midvale","$1,640","-3.9%"],["Burley","$1,640","-3.9%"],["Nampa","$1,641","-3.8%"],["Hill City","$1,641","-3.8%"],["Horseshoe Bend","$1,642","-3.8%"],["Idaho City","$1,642","-3.8%"],["Weiser","$1,644","-3.7%"],["Garden Valley","$1,644","-3.6%"],["Oakley","$1,645","-3.6%"],["Picabo","$1,645","-3.6%"],["Homedale","$1,645","-3.6%"],["Placerville","$1,647","-3.5%"],["Indian Valley","$1,648","-3.4%"],["Carey","$1,649","-3.4%"],["Corral","$1,649","-3.4%"],["Melba","$1,649","-3.3%"],["Lake Fork","$1,650","-3.3%"],["Lowman","$1,650","-3.3%"],["Post Falls","$1,651","-3.3%"],["Donnelly","$1,652","-3.2%"],["Yellow Pine","$1,652","-3.2%"],["Declo","$1,652","-3.2%"],["Mesa","$1,653","-3.2%"],["Cascade","$1,653","-3.1%"],["McCall","$1,656","-3.0%"],["Murphy","$1,660","-2.7%"],["Bruneau","$1,661","-2.7%"],["Albion","$1,661","-2.7%"],["Shoshone","$1,662","-2.6%"],["Grand View","$1,664","-2.5%"],["American Falls","$1,665","-2.4%"],["Almo","$1,666","-2.4%"],["Malta","$1,667","-2.3%"],["Fairfield","$1,671","-2.1%"],["Richfield","$1,672","-2.0%"],["Dietrich","$1,676","-1.8%"],["Council","$1,677","-1.8%"],["Rockland","$1,677","-1.7%"],["Conda","$1,683","-1.4%"],["Sugar City","$1,684","-1.3%"],["Lewiston","$1,684","-1.3%"],["Lava Hot Springs","$1,689","-1.0%"],["Coeur d'Alene","$1,690","-1.0%"],["Arbon Valley","$1,690","-1.0%"],["Aberdeen","$1,691","-0.9%"],["Grace","$1,692","-0.8%"],["St. Anthony","$1,693","-0.8%"],["Cambridge","$1,693","-0.8%"],["Bancroft","$1,693","-0.8%"],["Montpelier","$1,693","-0.8%"],["Soda Springs","$1,694","-0.7%"],["Clayton","$1,695","-0.7%"],["Malad City","$1,696","-0.6%"],["Arimo","$1,697","-0.6%"],["Dalton Gardens","$1,697","-0.6%"],["Wayan","$1,698","-0.5%"],["Ellis","$1,698","-0.5%"],["Georgetown","$1,700","-0.4%"],["Pocatello","$1,701","-0.3%"],["Swanlake","$1,701","-0.3%"],["Challis","$1,701","-0.3%"],["Stanley","$1,701","-0.3%"],["Chubbuck","$1,702","-0.3%"],["Preston","$1,702","-0.2%"],["Downey","$1,703","-0.2%"],["Springfield","$1,704","-0.2%"],["Geneva","$1,704","-0.2%"],["Bern","$1,705","-0.1%"],["Dingle","$1,705","-0.1%"],["Mackay","$1,707","0.0%"],["Fish Haven","$1,708","0.1%"],["Rexburg","$1,708","0.1%"],["Monteview","$1,709","0.1%"],["Bloomington","$1,709","0.1%"],["McCammon","$1,709","0.2%"],["Moscow","$1,710","0.2%"],["Saint Charles","$1,710","0.2%"],["Harvard","$1,710","0.2%"],["Potlatch","$1,711","0.3%"],["Princeton","$1,712","0.4%"],["Inkom","$1,713","0.4%"],["Chester","$1,713","0.4%"],["Teton","$1,714","0.4%"],["Holbrook","$1,714","0.4%"],["Franklin","$1,717","0.6%"],["Macks Inn","$1,718","0.7%"],["Parker","$1,718","0.7%"],["New Meadows","$1,719","0.7%"],["Lincoln","$1,720","0.8%"],["Dayton","$1,721","0.9%"],["Weston","$1,721","0.9%"],["Clifton","$1,722","0.9%"],["Thatcher","$1,722","0.9%"],["Ririe","$1,722","0.9%"],["Rigby","$1,723","1.0%"],["Ashton","$1,723","1.0%"],["Island Park","$1,724","1.0%"],["Roberts","$1,725","1.1%"],["Idaho Falls","$1,725","1.1%"],["Menan","$1,726","1.1%"],["Iona","$1,726","1.1%"],["Fort Hall","$1,726","1.1%"],["Howe","$1,726","1.2%"],["Moore","$1,727","1.2%"],["Terreton","$1,727","1.2%"],["Newdale","$1,728","1.2%"],["Irwin","$1,729","1.3%"],["Lewisville","$1,730","1.4%"],["Hamer","$1,731","1.5%"],["Hayden","$1,733","1.6%"],["Swan Valley","$1,735","1.6%"],["Ammon","$1,735","1.7%"],["Lapwai","$1,738","1.9%"],["Sweetwater","$1,739","1.9%"],["Arco","$1,741","2.0%"],["Felt","$1,745","2.2%"],["Atomic City","$1,746","2.3%"],["Dubois","$1,747","2.4%"],["Stites","$1,750","2.6%"],["Blackfoot","$1,752","2.7%"],["Tetonia","$1,753","2.7%"],["Rathdrum","$1,754","2.8%"],["Driggs","$1,755","2.8%"],["Cobalt","$1,756","2.9%"],["Deary","$1,757","3.0%"],["Victor","$1,757","3.0%"],["Troy","$1,758","3.0%"],["Juliaetta","$1,758","3.0%"],["Bovill","$1,760","3.1%"],["Viola","$1,762","3.3%"],["Pingree","$1,763","3.3%"],["May","$1,767","3.5%"],["Shoup","$1,767","3.6%"],["Spencer","$1,767","3.6%"],["Shelley","$1,768","3.6%"],["Firth","$1,770","3.7%"],["Genesee","$1,771","3.8%"],["Culdesac","$1,772","3.8%"],["Wallace","$1,773","3.9%"],["Santa","$1,774","4.0%"],["Mullan","$1,775","4.0%"],["Peck","$1,776","4.1%"],["Groveland","$1,778","4.2%"],["Grangeville","$1,778","4.2%"],["St. Maries","$1,778","4.2%"],["Moreland","$1,779","4.2%"],["Osburn","$1,779","4.2%"],["Kendrick","$1,779","4.2%"],["Basalt","$1,779","4.3%"],["Riverside","$1,779","4.3%"],["Reubens","$1,780","4.3%"],["Smelterville","$1,782","4.4%"],["Kellogg","$1,782","4.4%"],["Silverton","$1,782","4.4%"],["Avery","$1,785","4.6%"],["Tensed","$1,785","4.6%"],["Calder","$1,787","4.7%"],["Desmet","$1,788","4.8%"],["Lenore","$1,788","4.8%"],["Pinehurst","$1,789","4.8%"],["Cottonwood","$1,789","4.9%"],["Kingston","$1,789","4.9%"],["White Bird","$1,791","5.0%"],["Spirit Lake","$1,791","5.0%"],["Plummer","$1,792","5.0%"],["Worley","$1,792","5.0%"],["Fenn","$1,793","5.1%"],["Lucile","$1,793","5.1%"],["Lemhi","$1,794","5.1%"],["Tendoy","$1,794","5.1%"],["Gibbonsville","$1,794","5.1%"],["North Fork","$1,794","5.1%"],["Salmon","$1,794","5.1%"],["Carmen","$1,794","5.1%"],["Harrison","$1,795","5.2%"],["Medimont","$1,795","5.2%"],["Cataldo","$1,796","5.3%"],["Elk River","$1,796","5.3%"],["Fernwood","$1,797","5.3%"],["Clarkia","$1,797","5.3%"],["Elk City","$1,797","5.3%"],["Leadore","$1,798","5.4%"],["Riggins","$1,801","5.5%"],["Kamiah","$1,803","5.7%"],["Blanchard","$1,803","5.7%"],["Sandpoint","$1,806","5.8%"],["Greencreek","$1,806","5.9%"],["Ponderay","$1,806","5.9%"],["Dover","$1,807","5.9%"],["Colburn","$1,807","5.9%"],["Kootenai","$1,807","5.9%"],["Pollock","$1,809","6.0%"],["Warren","$1,809","6.0%"],["Kooskia","$1,810","6.1%"],["Bayview","$1,812","6.2%"],["Coolin","$1,814","6.3%"],["Priest River","$1,814","6.3%"],["Nordman","$1,815","6.4%"],["Athol","$1,817","6.5%"],["Sagle","$1,817","6.5%"],["Hope","$1,818","6.5%"],["Laclede","$1,818","6.5%"],["Oldtown","$1,819","6.6%"],["Clark Fork","$1,821","6.7%"],["Careywood","$1,822","6.8%"],["Cocolalla","$1,822","6.8%"],["Nezperce","$1,827","7.1%"],["Winchester","$1,834","7.5%"],["Craigmont","$1,834","7.5%"],["Orofino","$1,835","7.5%"],["Weippe","$1,838","7.7%"],["Ahsahka","$1,843","8.0%"],["Porthill","$1,847","8.2%"],["Pierce","$1,848","8.3%"],["Bonners Ferry","$1,850","8.4%"],["Moyie Springs","$1,850","8.4%"],["Naples","$1,853","8.6%"],["Eastport","$1,853","8.6%"],["Ferdinand","$1,857","8.8%"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Idaho rate changes by company

In Idaho, auto insurance providers decreased their premiums in 2020 by a small yet important 0.9%, ending the trend of consistently higher rates from previous years. State Farm showed the most significant decrease in premiums — its 9.3% drop in price was nearly 19 times greater than the second-closest competitor, American Family, which had just a 0.5% rate drop in 2020. However, many insurance providers in Idaho decided to forego a rate change at all during 2020. Companies such as Geico and Progressive showed a 0% change in rate compared to 2019.

Insurer
Premiums written (millions) 2019
Rate change 2019
Rate change 2020
State Farm$152.1-2.8%-9.3%
Geico$123.30.0%0.0%
Progressive$118.50.0%0.0%
Liberty Mutual$116.80.7%0.0%
Farm Bureau$116.45.7%3.8%
Allstate$95.00.1%0.1%
Farmers$84.71.6%1.3%
USAA$68.32.1%0.9%
American Family$34.88.6%-0.5%
Travelers$22.10.0%0.0%
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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
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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.

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Recap of the cheapest auto insurance in Idaho

  • Minimum coverage: State Farm
  • Full coverage: State Farm
  • After an at-fault accident: State Farm
  • After a speeding ticket: State Farm
  • After a DUI: State Farm
  • Poor credit history: State Farm
  • Very good credit history: State Farm
  • Married couples: State Farm
  • Young drivers: State Farm
  • Young drivers with one accident: State Farm
  • Young drivers with speeding ticket: State Farm

Methodology

We collected thousands of rates from ZIP codes across Idaho for the largest 10 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
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For our minimum-coverage policy, we quoted a policy with the minimum required limits in Idaho, above.

For other rates analyses (age, credit score, accident history and marriage 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.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.