The Best and Cheapest Car Insurance Quotes in Idaho in 2025
State Farm has the cheapest car insurance in Idaho, at $55 per month for full coverage.
Find Cheap Car Insurance Quotes in Idaho
Best cheap car insurance in Idaho
How we chose the top companies
Best and cheapest car insurance in Idaho
- Cheapest full coverage: State Farm, $55/mo
- Cheapest minimum liability: State Farm, $19/mo
- Cheapest for young drivers: State Farm, $66/mo
- Cheapest after a ticket: State Farm, $59/mo
- Cheapest after an accident: State Farm, $64/mo
- Cheapest for teens after a ticket: State Farm, $64/mo State Farm, $72/mo
- Cheapest after a DUI: Travelers, $160/mo
- Cheapest for poor credit: State Farm, $108/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm, Auto-Owners and Farm Bureau offer the best combination of affordable rates and reliable customer service in Idaho.
Of the three companies, State Farm is the only one that offers online quotes. That makes it the best choice for Idaho drivers looking to compare rates quickly. To get a quote from Auto-Owners or Farm Bureau, you'll have to contact a local agent.
Cheapest Idaho auto insurance: State Farm
State Farm has the cheapest car insurance quotes in Idaho for a full coverage policy.
Full coverage from State Farm costs $55 per month, which is half as much as the state average. It's also $45 per month less than the second-cheapest company, Geico.
Find Cheap Car Insurance Quotes in Idaho
The average cost of car insurance in Idaho is $111 per month for a full coverage policy. That's $64 per month less than the national average.
Best cheap auto insurance in Idaho
Company | Monthly rate | |
|---|---|---|
| State Farm | $55 |
| Geico | $100 |
| Farm Bureau | $103 |
| Auto-Owners | $110 |
| American Family | $112 |
*USAA is only available to current and former military members and their families.
Cheapest liability-only auto insurance quotes in Idaho: State Farm
State Farm has the best cheap liability car insurance in Idaho.
A minimum liability policy from State Farm costs $19 per month. That's half the state average of $38 per month.
Drivers with military ties can also find cheap car insurance with USAA. A minimum liability policy from USAA also costs $19 per month. But only military members, veterans or people with a parent or spouse with USAA coverage are eligible.
Cheapest car insurance in Idaho
Company | Monthly rate |
|---|---|
| State Farm | $19 |
| Geico | $32 |
| Farm Bureau | $35 |
| Auto-Owners | $37 |
| American Family | $37 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Idaho
Cheapest Idaho insurance for teens: State Farm
State Farm has the cheapest car insurance quotes for 18-year-old drivers in Idaho.
Minimum liability insurance from State Farm costs just $66 per month for a teen driver. That's $84 per month less than the Idaho average.
State Farm also offers the best full coverage rates for teen drivers. At $171 per month, full coverage from State Farm is less than half the state average.
Best cheap car insurance in Idaho for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $66 | $171 |
| Farm Bureau | $76 | $226 |
| Auto-Owners | $121 | $287 |
| Geico | $126 | $353 |
| Travelers | $138 | $319 |
*USAA is only available to current and former military members and their families.
On average, young drivers in Idaho pay $150 per month for minimum liability car insurance. That's almost four times as much as a 30-year-old driver pays. Younger drivers pay much more for car insurance because insurance companies believe they're more likely to be in a crash or make a claim.
The best way for young drivers in Idaho to save money on their car insurance is by sharing a policy with their parents.
Many companies also have discounts geared toward teen drivers. For example, the State Farm Steer Clear program offers a discount if you take online safety courses and practice driving with an adult.
Cheap insurance in Idaho for people with a speeding ticket: State Farm
State Farm has the cheapest car insurance in Idaho for drivers with a recent speeding ticket. A full coverage policy from State Farm costs around $59 per month after a single ticket. That's $73 per month less than the Idaho average.
Best auto insurance in Idaho after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $59 |
| Farm Bureau | $103 |
| Auto-Owners | $110 |
| Geico | $129 |
| American Family | $134 |
*USAA is only available to current and former military members and their families.
Speeding tickets raise your rate by an average of 19% in Idaho. That's an average increase of $21 per month for a full coverage policy.
Cheapest Idaho insurance after an accident: State Farm
State Farm has the cheapest quotes for Idaho drivers with an accident on their record. State Farm charges $64 per month for full coverage, which is the cheapest option by far. It's $105 per month less than the state average and $71 less than the next-cheapest company, Farm Bureau.
Affordable car insurance in Idaho after an accident
Company | Monthly rate |
|---|---|
| State Farm | $64 |
| Farm Bureau | $135 |
| Travelers | $154 |
| Auto-Owners | $162 |
| Geico | $189 |
*USAA is only available to current and former military members and their families.
Average rates in Idaho go up by 52% after an at-fault accident. That means a single accident can cost you $58 more per month for full coverage.
You shouldn't switch car insurance companies right away after an accident. Your rates won't go up until your current policy renews, but they will with a new policy.
Instead, wait until you get your renewal offer in the mail or via email. Then, you should compare online quotes from multiple companies to find the best rate for you.
Cheapest quotes in ID for teens with a ticket or accident: State Farm
State Farm has the most affordable quotes in Idaho for teens with a bad driving record.
A minimum-liability policy from State Farm costs $72 per month for a teen with one speeding ticket. That's $105 per month less than the Idaho average.
State Farm charges around $79 per month for an 18-year-old driver with an at-fault accident on their record. That's less than half the statewide average for these drivers.
Low-cost car insurance in Idaho for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| State Farm | $72 | $79 |
| Farm Bureau | $76 | $100 |
| Auto-Owners | $141 | $195 |
| Geico | $147 | $163 |
| Travelers | $171 | $195 |
*USAA is only available to current and former military members and their families.
Cheapest insurance in Idaho after a DUI: Travelers
Travelers has the most affordable coverage for Idaho drivers with a DUI on their record. Full coverage from Travelers costs $160 per month, which is $58 per month cheaper than the average rate for drivers with a DUI.
Company | Monthly rate |
|---|---|
| Travelers | $160 |
| State Farm | $169 |
| Allstate | $226 |
| Farm Bureau | $227 |
| American Family | $228 |
*USAA is only available to current and former military members and their families.
Driving under the influence (DUI) raises rates more than any other driving incident. In Idaho, drivers with a DUI pay nearly twice as much for full coverage insurance as drivers with a clean record.
Cheap insurance quotes in Idaho for drivers with poor credit: State Farm
State Farm has the most affordable auto insurance for drivers with bad credit in Idaho. At $108 per month, full coverage from State Farm is $67 per month cheaper than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $108 |
| Geico | $143 |
| Farm Bureau | $156 |
| Auto-Owners | $169 |
| American Family | $172 |
*USAA is only available to current and former military members and their families.
A poor credit score doesn't mean you're a bad driver. But, insurance companies believe people with lower credit scores make claims more often. In Idaho, drivers with bad credit pay $65 per month more for full coverage than drivers with good credit.
Best car insurance in Idaho
Farm Bureau is the best insurance company in Idaho.
That's because Farm Bureau has excellent customer service service, useful coverage options and affordable quotes.
Drivers can also find great service with State Farm and USAA. However, only people affiliated with the military can get coverage from USAA.
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| Farm Bureau | 673 | A | |
| State Farm | 657 | A++ | |
| Auto-Owners | 654 | A++ | |
| Geico | 637 | A++ | |
| American Family | 660 | A |
Car insurance quotes in Idaho by city
Mountain Home, the largest city in Elmore County, has the cheapest car insurance rates in Idaho.
Drivers in Mountain Home pay an average of $97 per month for full coverage insurance.
Colburn, a small village in the northern part of the state, has the most expensive rates, at $120 per month. This could be partially due to the high vehicle theft rates in Bonner County, where Colburn is located.
Cost of car insurance in Idaho by city
City | Monthly Rate | % from average |
|---|---|---|
| Aberdeen | $111 | 0% |
| Ahsahka | $118 | 7% |
| Albion | $108 | -3% |
| Almo | $108 | -3% |
| American Falls | $108 | -3% |
In addition to credit score and driving history, insurance companies factor your location into your auto insurance quotes. Depending on where you live in Idaho, average rates can vary by as much as $23 per month.
Minimum requirements for auto insurance in Idaho
Drivers in Idaho must have car insurance with a minimum of 25/50/15 of liability insurance.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $15,000 per accident
What's the best car insurance coverage for Idaho drivers?
Most drivers in Idaho should get full coverage car insurance.
That's because it includes collision and comprehensive insurance.
- Collision coverage pays for damage from a crash, regardless of who caused it
- Comprehensive coverage pays for damage outside of your control, like weather-related damage or theft
If you have a car loan or lease, your lender will typically require you to have a full coverage policy.
Minimum liability coverage is the cheapest type of car insurance, but it's usually not the best option. Minimum liability policies in Idaho only cover the other driver's injuries or repairs. That means your insurance company won't cover your injuries or pay to repair damage to your car.
Frequently asked questions
Where can I get Idaho car insurance with a bad record?
State Farm is the best choice for Idaho drivers with a speeding ticket, accident or DUI on their record. The company offers very affordable rates, along with reliable customer service. While Travelers may have cheaper quotes after a DUI, its customer service isn't as good as State Farm. That could be important if you're in an accident in the future.
What is the best car insurance in Idaho?
Farm Bureau has the best car insurance in Idaho. It has great customer service reviews, and typically has affordable rates. Idaho drivers should also compare quotes from State Farm, which has the cheapest rates in the state along with reliable service.
How much is car insurance per month in Idaho?
Full coverage car insurance in Idaho costs an average of $111 per month. Idaho drivers can expect to pay $38 per month for a minimum liability policy.
How much is auto insurance in Nampa, ID?
The average cost of car insurance in Nampa is $109 per month for a full coverage policy. That's $2 per month less than the statewide average.
Methodology
ValuePenguin editors collected thousands of rates from ZIP codes across Idaho for the state's largest insurance companies. Rates are for a 30-year-old man with good credit and a clean driving record who owns a 2015 Honda Civic EX.
Quotes are for a full coverage policy with the following limits:
- $50k of bodily injury liability coverage per person, and $100k per accident
- $25k of property damage liability
- $50k of bodily injury uninsured motorist coverage per person, and $100k per accident
- $25k of uninsured motorist coverage for property damage
- Collision and comprehensive coverage with a $500 deductible
For minimum coverage quotes, our experts used a policy with the minimum required limits in Idaho.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company 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.