Find Cheap Auto Insurance Quotes in Your Area
The average cost of minimum-coverage car insurance in Idaho is $606 per year, or $51 per month. Auto quotes, however, vary drastically depending on your driver profile and coverage.
Shopping around is important, as annual car insurance rates between Idaho insurers can vary by more than $3,000 for the same policy type.
Read on to find the cheapest Idaho insurers, or enter your ZIP code above to find the cheapest car insurance near you.
Cheapest auto insurance in Idaho
The cheapest minimum coverage car insurance in Idaho is offered by:
- State Farm
- Farm Bureau
These three insurers have average car insurance quotes of $414 per year, or $35 per month — which is 32% cheaper than the Idaho average.
Find Cheap Auto Insurance Quotes in Your Area
Motorists should know auto insurance rates can vary drastically with just one change, such vehicle type, residency or marital status.
American Family, Farmers and Allstate provide the most expensive minimum-coverage car insurance quotes in Idaho, with an average rate of $944 — or 49% more costly than the state average.
|Rank||Insurer||Auto insurance quote|
Minimum-coverage auto insurance meets Idaho's minimum legal requirements, and unlike full-coverage car insurance, doesn't include comprehensive and collision insurance.
Collision and comprehensive insurance covers damage to the car as a result of a collision, theft, vandalism or natural disaster — typically, regardless of who's at fault.
While minimum coverage typically costs less, forgoing comprehensive and collision coverage and buying less liability coverage can be risky.
The average price difference between full- and minimum-coverage car insurance in Idaho is $1,171 per year or $98 per month.
Cheapest full-coverage auto insurance in Idaho
The cheapest car insurance companies for full coverage in Idaho are:
- State Farm: $960
- GEICO: $1,482
- Farm Bureau: $1,520
These three insurers were the most affordable in Idaho, offering coverage at $1,321 per year on average, or 26% less than the state average of $1,777.
The insurers with the most expensive annual car insurance quotes for full coverage in Idaho are:
- American Family: $1,789
- Allstate: $2,738
- Farmers: $3,420
Comprehensive and collision insurance coverages reimburse you in the event of most accidents, thefts, natural disasters and vandalism. These are included in full-coverage auto insurance policies.
Cheapest full-coverage car insurance in Idaho with a prior accident
Idaho drivers who have an accident on their driving records can find the cheapest full-coverage auto insurance quotes at State Farm, Auto-Owners and American Family.
Together, these insurers offered average annual rates of $1,579 per year, or $809 less than the Idaho average, for this type of policy.
|Rank||Insurer||Auto quote before accident||Auto quote after accident||Difference|
A single accident on your driving record can increase your car insurance quotes significantly.
The difference in annual car insurance rates in Idaho for a full-coverage policy with no accident history versus a policy with one accident was $611.
|No accident history||$1,777|
Best auto insurance companies in Idaho
Of the insurers included in our rates analysis, the best car insurance companies in Idaho are:
- Farm Bureau
- State Farm
Customers registered the fewest complaints against these companies, when comparing complaint index data from the National Association of Insurance Commissioners (NAIC). This metric helps measure customer satisfaction.
Insurance companies in our study with the worst complaint indices were:
- American Family
|Auto insurer||Complaint index|
To find the best auto insurance companies in Idaho, we decided to look at the number of complaints each company received relative to the amount of business they underwrote, using data from the NAIC.
The national median complaint index is always 1.0, so any companies with a complaint index above 1.0 is higher than expected in that market. An index under 1.0 means fewer customers than expected complained about the company.
Idaho auto insurance minimum requirements
In Idaho, all drivers are required to maintain a minimum amount of auto insurance coverage.
Bodily injury and property damage liability protection are the only required coverages — though uninsured and underinsured motorist coverage are also included in all policies unless drivers opt out in writing.
Below, we've included the minimum required auto insurance coverage limits in Idaho:
- Bodily injury liability coverage: $25,000 per person and $50,000 per accident
- Property damage liability coverage: $15,000 per accident
Although your car insurance policy may meet Idaho's minimum-coverage requirements, some drivers may benefit from buying more coverage. We recommend that all Idaho drivers consider higher coverage limits, as minimum-coverage policies may not be enough to fully cover the cost of damage in an expensive accident.
Cheapest car insurance in Idaho by city
Which are the cheapest insurers near you? In Idaho, there are three most affordable auto insurance companies throughout the state, but their rates and ranking varied by city.
Current or former service members, veterans and their families may find even cheaper rates with USAA, which only offers policies to these customers.
Here is a table with the most affordable insurers and their full-coverage annual rates in each of Idaho's largest cities.
|City||Insurer||Annual auto insurance quote|
|American Falls||State Farm||$926|
|Boise City||State Farm||$942|
|Bonners Ferry||State Farm||$961|
|Coeur d'Alene||State Farm||$993|
|Idaho Falls||State Farm||$1,010|
|Mountain Home||State Farm||$870|
|Post Falls||State Farm||$979|
|Soda Springs||State Farm||$876|
|St. Anthony||State Farm||$940|
|Twin Falls||State Farm||$955|
Drivers hoping to save on auto insurance should compare quotes from at least three companies. To better compare rates in Idaho, we identified the cheapest car insurance companies for a full-coverage policy in:
Cheap car insurance in Boise City, Idaho
- Average annual auto insurance quote in Boise City = $1,602
- 10% cheaper than Idaho average
Among the 50 cities we analyzed, Boise offered the third-cheapest auto insurance rates. The companies with the best car insurance quotes in Boise are State Farm, Farm Bureau and Auto-Owners.
These three insurers cost, on average, $1,170 annually, which is a 27% discount to the Boise average for car insurance.
The most expensive insurer, Farmers ($3,165) cost $2,223 more than the cheapest insurer, State Farm ($942). The variability in costs demonstrates why drivers should compare at least three car insurance quotes before purchasing a policy.
Cheap car insurance in Meridian, Idaho
- Average annual auto insurance quote in Meridian = $1,567
- 12% cheaper than Idaho average
Meridian was the cheapest city to insure a car in our analysis. We recommend comparing auto insurance quotes in Meridian, as the most expensive insurer, Farmers, offered annual rates three times the cost of the cheapest, State Farm.
Cheap car insurance in Nampa, Idaho
- Average annual auto insurance quote in Nampa = $1,702
- 4% less than Idaho average
Nampa's average car insurance rates were slightly below the Idaho average. To obtain auto insurance rates in Nampa, try State Farm, GEICO and Farm Bureau. Our sample motorist found car insurance quotes for as low as $1,011 a year in Nampa.
Cheap car insurance in Idaho Falls, Idaho
- Average annual auto insurance quote in Idaho Falls = $1,790
- 1% more expensive than Idaho average
The fourth most populated city of the Gem State, Idaho Falls insurers offered our local drivers rates that were generally in line with the Idaho average cost of car insurance.
With State Farm, the insurer with the lowest cost car insurance in Idaho Falls, our sample motorist saved $780 every year relative to the average citywide rate. Auto-Owners and Farm Bureau also had rates that were well below the average. Quotes from the three insurers showed premiums averaging $1,286 a year, or 28% lower than what the typical Idaho Falls insurer charged.
Cheap car insurance in Caldwell, Idaho
- Average annual auto insurance quote in Caldwell = $1,602
- 4% cheaper than Idaho average
For Caldwell motorists looking for low-cost car insurance coverage, we recommend comparing quotes from multiple insurers as rates can vary significantly. The most expensive insurer in Caldwell, for example, cost $2,188 more than the cheapest company, for a year of full coverage.
Average cost of car insurance in Idaho by city
The average cost of full-coverage car insurance in Idaho is $1,777 per year, or $148 per month.
The cheapest cities in Idaho for full coverage are:
- Mountain Home
- Boise City
The most expensive cities in Idaho for full coverage auto insurance are:
- Bonners Ferry
Your location is an important factor in your insurance quotes. The table below identifies the average cost of car insurance cost in Idaho's largest cities, ordered from the cheapest to the most expensive.
|Rank||City||Car insurance quote|
We collected auto insurance quotes for Idaho cities from eight car insurance companies.
Our sample driver was a 30-year-old man who drives a 2015 Honda Civic EX. He had no credit history, which makes him comparable to drivers with below-average credit, according to our data source, Quadrant Information Services. This represents one persons experience. Results may vary.
Unless otherwise noted, our sample driver held full-coverage car insurance with the following limits:
|Coverage type||Study limits|
|Bodily liability||$50,000 per person/$100,000 per accident|
|Property damage||$25,000 per accident|
|Uninsured/underinsured motorist bodily injury||$50,000 per person/$100,000 per accident|
|Comprehensive and collision||$500 deductible|
For a minimum-coverage policy, our sample driver had coverage equivalent to the minimum Idaho state requirements.
Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP code, vehicle type, coverage limits and other factors.
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.
- Idaho Department of Insurance
- Census Population Data