Auto Insurance Basics

Who Has the Cheapest Car Insurance Quotes in Idaho?

Find the Cheapest Insurance Quotes in Your Area

Currently Insured?

Car insurance rates in Idaho are generally lower compared to most other parts of the country. With the right insurer, you can save even more. Our benchmark driver, a single 30 year-old man, received on average a $1,035 yearly rate . Shopping around is important. All things equal, choosing the right insurer to cover you could mean the world’s difference on how much you pay.Read on to find out who the cheapest Idaho insurers are, or enter your zip code above to find the cheapest car insurance near you.

Cheapest Auto Insurance in Idaho

We obtained quotes from 12 different auto insurance companies in the Gem State, both large national insurers and more regional ones, for our sample driver profile. This data helped us identify the five companies who generally offered the cheapest car insurance rates among the 12 carriers. 

This is a graph showing the 5 cheapest insurers in comparison to the average cost of insurance in Idaho. American National costs $437 a year, Mutual Enumclaw $733, Progressive $787, Grange $800, and State Farm $823 a year.

Find the Cheapest Auto Insurance Quotes in Your Area

Currently Insured?

Based on our 30-year-old single motorist profile, the cheapest car insurers in Idaho were American National, Mutual Enumclaw and Progressive. These companies generally provide a year’s worth of coverage at rates nearly 59% lower than the state’s average cost. 

Most Expensive Auto Insurance Companies in Idaho

Among the 12 insurers we included in the study, only five provided quotes for more than a $1,000 for a year of insurance coverage for our male driver: Allied, Allstate, MetLife, Workmen's Auto and Sentry. However, this doesn't mean they're everyone's most expensive options. 

List of Auto Insurance Companies in Idaho

Here is a list the top ten auto insurance providers in Idaho that we included in our analysis, with their average annual insurance rates, based on our sample driver profile:

RankCar Insurance CompanyAverage Annual Rates
1 American National $437
2 Mutual Enumclaw $733
3 Progressive $787
4 Grange Insurance Association $800
5 State Farm $823
6 GEICO $827
7 Oregon.Mutual $833
8 Allied $1,111
9 Allstate $1,292
10 MetLife $1,304

Motorists should know that insurance rates could vary drastically with a single factor difference, such as type of car you own and your marital status. Our sample drivers found their average annual premiums came to $1,435 with these five insurers, which was roughly 39% higher than the state’s mean for the same benchmark.

Cheapest Car Insurance in Idaho: by City

Who are the cheapest insurers in your city? In Idaho, the three most affordable auto insurance companies generally stay the same throughout the state, but their rates and ranking varied by city. Here is a table with the name and rates of the three cheapest insurers in 62 of the Gem State’s largest cities. Annual rates are listed for informational purposes, and are calculated using single 30 year old male with good driving histories.

CityAuto Insurance CompanyAverage Annual Rates
American Falls American National $432
Mutual Enumclaw $744
State.Farm $792
Athol American National $444
Progressive $762
Mutual Enumclaw $768
Blackfoot American National $444
Mutual Enumclaw $756
Grange Insurance Association $816
Boise American National $432
Mutual Enumclaw $756
Progressive $800
Bonners Ferry American National $432
Progressive $698
Mutual Enumclaw $708
Buhl American National $432
Mutual Enumclaw $792
State.Farm $828
Burley American National $432
Progressive $700
Mutual Enumclaw $708
Caldwell American National $444
Mutual Enumclaw $720
Progressive $734
Coeur D Alene American National $444
Mutual Enumclaw $780
State.Farm $828
Driggs American National $456
Mutual Enumclaw $720
Progressive $730
Eagle American National $432
Mutual Enumclaw $684
Grange Insurance Association $768
Emmett American National $444
Mutual Enumclaw $780
Progressive $802
Filer American National $432
Mutual Enumclaw $684
Grange Insurance Association $720
Fruitland American National $408
Mutual Enumclaw $672
Grange Insurance Association $720
Garden City American National $408
Mutual Enumclaw $672
Progressive $688
Gooding American National $432
Progressive $668
Mutual Enumclaw $708
Grangeville American National $444
Progressive $742
Mutual Enumclaw $756
Hailey American National $420
Mutual Enumclaw $708
Grange Insurance Association $720
Hayden American National $432
Mutual Enumclaw $768
Grange Insurance Association $816
Heyburn American National $408
Mutual Enumclaw $684
Grange Insurance Association $720
Homedale American National $432
Mutual Enumclaw $696
Progressive $698
Idaho Falls American National $492
Mutual Enumclaw $780
Oregon.Mutual $804
Jerome American National $432
Progressive $732
Mutual Enumclaw $732
Kamiah American National $444
Mutual Enumclaw $780
Grange Insurance Association $816
Oregon.Mutual $816
Ketchum American National $432
Mutual Enumclaw $720
Grange Insurance Association $768
Kimberly American National $432
Progressive $674
Mutual Enumclaw $708
Kuna American National $420
Progressive $692
Mutual Enumclaw $708
Lewiston American National $432
Mutual Enumclaw $780
State.Farm $828
Malad City American National $432
Mutual Enumclaw $708
Progressive $762
Mccall American National $456
Progressive $738
Mutual Enumclaw $744
Meridian American National $492
Mutual Enumclaw $780
Grange Insurance Association $816
Middleton American National $432
Mutual Enumclaw $744
Progressive $752
Montpelier American National $432
Progressive $706
Mutual Enumclaw $708
Moscow American National $468
Mutual Enumclaw $756
Progressive $782
Mountain Home American National $432
Mutual Enumclaw $684
Grange Insurance Association $756
Oregon.Mutual $756
Nampa American National $444
Mutual Enumclaw $732
GEICO $769
New Plymouth American National $456
Progressive $752
Mutual Enumclaw $756
Orofino American National $456
Mutual Enumclaw $756
Progressive $760
Parma American National $432
Mutual Enumclaw $756
State.Farm $792
Payette American National $384
Mutual Enumclaw $696
Progressive $754
Pocatello American National $420
Grange Insurance Association $720
Mutual Enumclaw $720
Post Falls American National $432
Mutual Enumclaw $744
State.Farm $828
Preston American National $456
Mutual Enumclaw $756
State.Farm $792
Priest River American National $432
Mutual Enumclaw $684
Grange Insurance Association $720
Rathdrum American National $432
Mutual Enumclaw $708
Progressive $726
Rexburg American National $444
Mutual Enumclaw $732
GEICO $769
Rigby American National $420
GEICO $680
Progressive $692
Rupert American National $432
Mutual Enumclaw $720
Progressive $732
Sagle American National $480
Mutual Enumclaw $780
Progressive $790
Saint Anthony American National $420
Grange Insurance Association $720
Mutual Enumclaw $720
Saint Maries American National $444
Mutual Enumclaw $732
Progressive $744
Salmon American National $480
Mutual Enumclaw $792
Grange Insurance Association $816
Sandpoint American National $432
Progressive $700
Mutual Enumclaw $708
Shelley American National $420
Grange Insurance Association $720
Mutual Enumclaw $720
Soda Springs American National $408
Progressive $692
Mutual Enumclaw $708
Spirit Lake American National $420
Grange Insurance Association $720
Mutual Enumclaw $720
Star American National $456
Mutual Enumclaw $744
Grange Insurance Association $804
Twin Falls American National $432
Mutual Enumclaw $684
Progressive $764
Victor American National $456
Mutual Enumclaw $756
State.Farm $792
Weiser American National $432
Mutual Enumclaw $780
State.Farm $828
Wendell American National $444
Mutual Enumclaw $744
State.Farm $828
Wilder American National $444
Progressive $702
Mutual Enumclaw $756

Boise City, ID

With rates that are 1% more than the state average, Boise ranks as the 23rd cheapest for cost out of the 40 cities. Boise is the largest city in Idaho, spanning 80 square miles and home to over 214,000 people. Residents have access to a diverse culture of music, theater, art, history, sports and nature that includes a zoo and theaters for music festivals. Commuters and residents alike are well-connected here, with large highways such as the I-84, Interstate 184, and Highway 55 serving the area. The largest employers in Boise are the State of Idaho, St. Luke's Health Systems, Walmart, and Hewlett-Packard. 

A year’s worth of coverage in Boise equal to around $1,049 for our benchmark motorists. Nevertheless, we have found several affordable auto insurance providers who offered the same coverage for much cheaper rates. The cheapest car insurance rates in Boise City were found at American National, for as low as $432 for our sample driver. Next we would recommend checking out Mutual Enumclaw, and Progressive. These insurers generally offered coverage to our model profiles for less than $1,000 a year in Boise. For a detailed analysis on car insurance by neighborhood in Boise, read our Cheapest Car Insurance in Boise study.

This graph shows the five companies with the most affordable car insurance rates in Boise and compares them to the city average.

Nampa, ID

The second most populated city in the Gem State, Nampa’s average car insurance rates hovered just above the state’s average. Our 30-old model driver received an average quote of $1,046 per year. 

To get the best auto insurance rates when shopping for quotes in Nampa, try American National, Mutual Enumclaw and GEICO. Our sample motorist found quotes for as low as $444 to $816 a year among the five carriers with the lowest rates in Nampa for insuring his Toyota. 

This graph shows the five companies with the most affordable car insurance rates in Nampa and compares them to the city average: American National, Mutual Enumclaw, GEICO, Oregon Mutual and Grange.

Meridian, ID

Meridian is the third largest city in Idaho, and the most expensive to insure a car. With a population of around 85,000, it is surrounded by the two largest cities in Idaho: Boise and Nampa. Meridian offers residents large shopping and entertainment complexes, 17 public parks, and the Meridian Urban Market during the summer, among other events. Known to locals as the MUM, it provides attendees with an opportunity to be involved in the community with a local farmer’s market, food tasting, local art, etc. while enjoying the outdoors. With a population of around 85,000, it is surrounded by the two largest cities in Idaho: Boise and Nampa. The annual rates our sample motorists found here were close to that of Boise, at $1,084. We recommend comparing quotes among these cheap car insurance providers in Meridian: American National, Mutual Enumclaw and Grange Insurance Association. 

In this chart we show the five companies with the lowest rates compared to the city average for our Meridian driver.

Idaho Falls, ID

The fourth most populated city of the Gem State, Idaho Falls insurers offered our drivers rates that were about 3% above the Gem State average. Our driver found the cost to insure their Toyota Camry with full coverage for a year was around $1,072 in Idaho Falls. 

How much difference does finding the cheapest insurer make? With American National, the provider with the lowest cost car insurance costs in Idaho Falls, our sample motorist put almost $600 back into his pockets every year. Mutual Enumclaw and Oregon Mutual also had well below average rates. Quotes from the three insurers showed premiums averaging $692 a year for the two benchmark drivers - 50% lower than what the typical Idaho Falls insurer charged.

The five companies with the least expensive auto insurance rates in Idaho Falls are displayed in this image.

Pocatello, ID

The fifth largest city in Idaho, with over 60,000 residents, sits very close to the eastern state border to Wyoming. To purchase a year’s worth of coverage here, our sample driver paid on average $999. For Pocatello motorists who are looking for the most affordable auto insurance coverage, we would recommend comparing quotes from American National, Grange Insurance Association, and Mutual Enumclaw. They had the  three lowest car insurance rates for insuring our profiled commuters' Camrys. On average, these insurers quoted between $420 and $720 for a year’s worth of coverage for our sample driver.

This graph shows the five companies with the five lowest car insurance rates in Pocatello and compares them to the city average.

Average Cost of Car Insurance by City

Another important factor that influences your car insurance rates is where you live. Our study included a total of 62 locations scattered across the Gem State. The table below presents those locations from the cheapest to the most expensive for our two benchmark motorists, along with several ties throughout the state. Across the 62 cities, we found that the overall average cost for a year's liability protection for our benchmark drivers was $1,035 a year. Payette had the cheapest car insurance rates, while Meridian was the most expensive. 

This graph shows the average cost for a year of auto insurance in each of the 60+ cities in Idaho that we covered in the study.

Best Auto Insurance Companies in Idaho

To find the best auto insurance companies in Idaho, we decided to look at how many complaints each company received relative to the amount of business they underwrote. We compared each company’s complaints to million of premiums to find the complaint ratio. The smaller the number, the better (the less people complained about their service). According to this metric, Auto-Owners, Liberty Mutual, MetLife, and USAA ranked as the best car insurers in Idaho because they received the least complaints per dollar of business.

Auto InsurerComplaint CountPremiumsComplaint Ratio
Auto-Owners 0 $8,788,465 0.00
Liberty Mutual 0 8,302,048 0.00
MetLife 0 9,385,013 0.00
USAA 0 25,675,152 0.00
Farm Bureau Mutual 1 79,342,798 0.01
Farmers 1 69,080,174 0.01
Progressive 1 63,799,622 0.02
Allstate 1 54,137,143 0.02
State Farm 4 106,972,763 0.04
American Family 1 20,165,307 0.05
Safeco 3 52,359,910 0.06
GEICO 4 52,835,779 0.08
Dairyland 3 15,649,612 0.19

Methodology & Minimum Requirements

We reviewed and compared auto insurance quotes for two sample drivers in 62 cities across Idaho: a single 30 year old male. He owned a 2011 Toyota Camry, which he drove 12,000 miles a year to mainly commute to work. Each of our sample drivers has a good credit score and driving record with no accidents or violations in the past five years. Included in the analysis were 12 insurance companies who were licensed to sell policies in Idaho. The following were the insurance limits we used for our driver: 

Coverage TypeIdaho Minimum RequirementsStudy Limits
Bodily Liability (per person / accident) $25,000 / $50,000 $50,000 / $100,000
Property Damage (per accident) $15,000 $25,000
Uninsured Motorist (per person / accident) Not Required $50,000 / $100,000
Medical Payments Not Required $1,000
Collision / Comprehensive Not Required $500 deductible

Sources:

Idaho Department of Insurance: http://www.doi.idaho.gov/consumer/basic_coverages.aspx
Population Data: http://quickfacts.census.gov/qfd/states/16000.html

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