The Best and Cheapest Car Insurance Quotes in Idaho in 2026
State Farm has the best cheap car insurance in Idaho, at $85 per month for full coverage.
Find Cheap Car Insurance Quotes in Idaho
Best cheap car insurance in Idaho
State Farm, Farm Bureau and Geico are some of the cheapest companies in Idaho.
- Want full coverage? State Farm: $85/mo
- Only need minimum coverage? State Farm: $26/mo
- Want the best customer service? State Farm: $85/mo
- Have a speeding ticket? State Farm: $92/mo
- Caused an accident? State Farm: $99/mo
- Need coverage for a teen? Farm Bureau: $85/mo
- Got a DUI? Travelers: $195/mo
- Have poor credit? Geico: $164/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage insurance in ID: State Farm
State Farm has the cheapest full coverage car insurance in Idaho.
Full coverage from State Farm costs an average of $85 per month. That's $42 less per month than the state average.
Idaho drivers should also compare quotes from Geico, American Family or Farm Bureau.
Insurance companies each calculate rates differently, using factors like your age, credit score and ZIP code. So any of these companies could potentially be the best choice for you.
Find Cheap Car Insurance Quotes in Idaho
Best cheap full coverage auto insurance in Idaho
Company | Monthly rate |
|---|---|
| State Farm | $85 |
| Geico | $114 |
| American Family | $123 |
| Farm Bureau | $126 |
| Auto-Owners | $135 |
*USAA is only available to current and former military members and their families.
Data-powered research on Idaho car insurance
Cheapest liability-only auto insurance quotes in Idaho: State Farm
State Farm offers the cheapest liability-only car insurance in Idaho. A minimum liability policy from State Farm costs $26 per month. That's around half the state average of $48 per month.
Cheapest car insurance rates in Idaho
Company | Monthly rate |
|---|---|
| State Farm | $26 |
| Geico | $34 |
| Farm Bureau | $38 |
| American Family | $39 |
| Auto-Owners | $40 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Idaho
Senior Writer, Licensed Property and Casualty Insurance Agent
According to State Farm, Idaho drivers have a higher-than-average chance of hitting an animal. This could include deer, elk, moose and even bears.
If you just buy state minimum coverage, your insurance won't pay to fix the damage to your car. You have to get comprehensive coverage for animal hits to be covered.You can get comprehensive coverage with or without collision. If you get them both, your policy is called "full coverage." Adding collision gives you coverage for damage that you cause in an accident with another car or an object, such as a tree.
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 $134 per month for full coverage insurance.
- Kootenai, a small city nestled by three national forests, has the most expensive rates in Idaho, at $163 per month. This could be partially because of the high vehicle theft rates in Bonner County.
- Eastern Idaho has some of the highest rates in the state, including Blackfoot, Firth and Shelley. One possible reason is the area's rural roads, where higher speeds can make crashes more severe. In Idaho, around two-thirds of fatal crashes take place on rural roads.
Cheapest full coverage car insurance rates in Idaho by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Meridian | $144 | State Farm | $84 |
| Nampa | $156 | State Farm | $91 |
| Caldwell | $157 | State Farm | $94 |
| Idaho Falls | $159 | State Farm | $94 |
| Pocatello | $155 | State Farm | $90 |
| Coeur d'Alene | $152 | State Farm | $85 |
| Twin Falls | $150 | State Farm | $86 |
| Post Falls | $153 | State Farm | $85 |
| Rexburg | $155 | State Farm | $87 |
| Lewiston | $146 | State Farm | $78 |
| Eagle | $147 | State Farm | $89 |
| Kuna | $146 | State Farm | $85 |
| Moscow | $149 | State Farm | $78 |
| Aberdeen | $153 | State Farm | $87 |
| Ahsahka | $158 | State Farm | $86 |
| Albion | $149 | State Farm | $85 |
| Almo | $147 | State Farm | $83 |
| American Falls | $148 | State Farm | $77 |
| Ammon | $158 | State Farm | $91 |
| Arbon | $151 | State Farm | $85 |
| Arbon Valley | $151 | State Farm | $84 |
| Arco | $154 | State Farm | $86 |
| Arimo | $154 | State Farm | $88 |
| Ashton | $152 | State Farm | $89 |
| Athol | $156 | State Farm | $85 |
| Atomic City | $160 | State Farm | $93 |
| Avery | $150 | State Farm | $86 |
| Bancroft | $150 | State Farm | $85 |
| Banks | $145 | State Farm | $79 |
| Basalt | $159 | State Farm | $93 |
| Bayview | $157 | State Farm | $86 |
| Bellevue | $144 | State Farm | $84 |
| Bern | $149 | State Farm | $85 |
| Blackfoot | $160 | State Farm | $94 |
| Blanchard | $153 | State Farm | $87 |
| Bliss | $141 | State Farm | $74 |
| Bloomington | $149 | State Farm | $85 |
| Boise City | $143 | State Farm | $81 |
| Bonners Ferry | $157 | State Farm | $83 |
| Bovill | $146 | State Farm | $78 |
| Bruneau | $149 | State Farm | $79 |
| Buhl | $144 | State Farm | $75 |
| Burley | $149 | State Farm | $83 |
| Calder | $151 | State Farm | $83 |
| Cambridge | $147 | State Farm | $80 |
| Carey | $145 | State Farm | $84 |
| Careywood | $158 | State Farm | $90 |
| Carmen | $159 | State Farm | $93 |
| Cascade | $144 | State Farm | $76 |
| Castleford | $144 | State Farm | $75 |
| Cataldo | $152 | State Farm | $83 |
| Challis | $151 | State Farm | $93 |
Find Cheap Car Insurance Quotes in Idaho
Best car insurance in Idaho: State Farm
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Full coverage rate$85/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
-
Claims processGoodClaims rating is based on J.D. Power's claims satisfaction survey.
-
AM Best ratingA++An A++ financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the third-highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Idaho based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Idaho
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheap insurance in Idaho for people with a speeding ticket: State Farm
State Farm is the cheapest option for drivers in Idaho if you have a recent speeding ticket. A full coverage policy from State Farm costs around $92 per month after a single ticket. That's half the Idaho state average and $34 per month less than the second-cheapest option, Farm Bureau.
Best auto insurance in Idaho after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $92 |
| Farm Bureau | $126 |
| Auto-Owners | $135 |
| American Family | $147 |
| Geico | $148 |
*USAA is only available to current and former military members and their families.
Speeding tickets raise your rate by an average of almost 25% in Idaho. That's an average increase of $36 per month for a full coverage policy.
Cheapest ID insurance after an accident: State Farm
State Farm has the cheapest car insurance for Idaho drivers with an accident on their records. State Farm charges $99 per month for full coverage, which is $135 per month less than the state average and $66 less than the next-cheapest company, Farm Bureau.
Affordable car insurance in Idaho after an accident
Company | Monthly rate |
|---|---|
| State Farm | $99 |
| Farm Bureau | $165 |
| Travelers | $190 |
| Auto-Owners | $197 |
| Geico | $216 |
*USAA is only available to current and former military members and their families.
Average rates in Idaho go up by 58% after an at-fault accident. That means a single accident could cost you $86 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 if you start 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 Idaho insurance for teens: Farm Bureau
Farm Bureau and State Farm are the cheapest companies for teen drivers in Idaho.
- Minimum coverage: Minimum liability insurance from Farm Bureau costs $85 per month for a teen driver, on average. State Farm’s rates are also cheap, just $4 per month more than Farm Bureau. Both companies also have great customer service.
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Full coverage: State Farm offers the best full coverage rates for teen drivers. At $262 per month, full coverage from State Farm is $166 per month less than the state average.
Additionally, Idaho teens can benefit from State Farm's Steer Clear program, which can help you lower your rates by completing an online course and practicing with an older driver.
Best cheap car insurance in ID for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $85 | $277 |
| State Farm | $89 | $262 |
| Auto-Owners | $124 | $320 |
| Geico | $132 | $405 |
| Travelers | $151 | $404 |
*USAA is only available to current and former military members and their families.
On average, young drivers in Idaho pay $157 per month for minimum liability car insurance. That's more than three 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 crashes or make claims.
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, such as the good student discount.
Cheapest quotes in ID for teens with a ticket or an accident: Farm Bureau and State Farm
Farm Bureau and State Farm have the most affordable car insurance quotes for teens with bad driving records in Idaho.
- Speeding ticket: Farm Bureau has the cheapest minimum liability insurance for teens with a speeding ticket, at $85 per month. That's $106 per month less than the Idaho average.
- Accident: State Farm has the most affordable rates after an accident, at around $107 per month for liability-only insurance. That's less than half the statewide average for these drivers.
Cheap insurance in Idaho for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $85 | $111 |
| State Farm | $97 | $107 |
| Auto-Owners | $144 | $198 |
| Geico | $154 | $172 |
| Travelers | $187 | $222 |
*USAA is only available to current and former military members and their families.
Cheapest insurance in Idaho after a DUI: Travelers
Travelers offers the best rates for Idaho drivers with a DUI on their records. Full coverage from Travelers costs $195 per month, which is $92 per month cheaper than the average rate for drivers with a DUI. It's also $53 per month less than the second-cheapest option, Allstate.
Best auto insurance rates in Idaho after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $195 |
| Allstate | $248 |
| American Family | $251 |
| State Farm | $276 |
| Farm Bureau | $278 |
*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 clean records.
Cheap insurance quotes in Idaho for drivers with poor credit: Geico
Geico is the most affordable option for drivers with bad credit in Idaho, but State Farm offers the best value.
- Geico costs an average of around $164 per month for full coverage, which is $56 per month cheaper than the state average.
- State Farm is only about $5 per month more expensive than average, and the company earned a much higher score on J.D. Power's claims satisfaction survey. It might be worth paying a little extra for the peace of mind that you'll be well taken care of after a crash.
Cheap insurance quotes in Idaho for drivers with poor credit
Company | Monthly rate |
|---|---|
| Geico | $164 |
| State Farm | $169 |
| American Family | $189 |
| Farm Bureau | $192 |
| Auto-Owners | $207 |
*USAA is only available to current and former military members and their families.
In Idaho, drivers with bad credit pay an average of $71 per month more for full coverage than drivers with good credit.
This is a smaller rate hike than in many other states, in part because Idaho law limits the amount insurance companies can raise your rates just because of your credit score.
Is your car insurance company raising rates in Idaho in 2026?
No major car insurance companies have raised rates in Idaho so far this year. But a few companies have lowered rates across the state.
- ↓ Biggest decrease: State Farm at -9.5%
- ↓ 2nd biggest decrease: American Family at -2.4%
Company | 2026 rate change | 5-year rate change |
|---|---|---|
| State Farm | ↓ 9.5% | ↑ 20.1% |
| American Family | ↓ 2.4% | ↑ 39.5% |
| Geico | ↓ 0.5% | ↑ 25.6% |
| Allstate | ↓ 0.2% | ↑ 22.1% |
| Progressive | 0.0% | ↑ 14.0% |
| Travelers | 0.0% | ↑ 25.2% |
| Farmers | 0.0% | ↑ 25.2% |
| Liberty Mutual | 0.0% | ↑ 29.0% |
| USAA | 0.0% | ↑ 31.3% |
| Farm Bureau | 0.0% | ↑ 33.0% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
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
Insurance companies in Idaho are also required to automatically provide coverage for uninsured and underinsured motorist bodily injury. Their coverage limits typically match the limits you select for regular bodily injury liability per person and per accident.
For example, if your insurance has bodily injury liability of $25,000 per person and $50,000 per accident, you likely have that same coverage amount in the case that someone without insurance, or without enough insurance, hits your car while you’re driving.
Driving without insurance is considered an infraction or a misdemeanor in Idaho. If you violate the law, you could be on the hook for a fine and fees, have your license suspended and even be sentenced to jail time.
Potential fines and penalties for driving without insurance in IdahoFirst offense:
- Fine: $75
- Driver's license and vehicle registration suspension: Until proof of insurance is provided
- Other fees: $75 registration reinstatement fee
- SR-22 requirement: Three years
Second and subsequent offenses:
- Fine: Up to $1,000
- Driver's license and vehicle registration suspension: Until proof of insurance is provided
- Other fees: $75 registration reinstatement fee
- Imprisonment: Up to six months, or a combination of jail time and a fine
- SR-22 requirement: One year
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.
In addition, you may want to consider adding other optional coverages, such as roadside assistance, rental car reimbursement or medical payments coverage.
Minimum liability coverage is the cheapest type of car insurance to avoid penalties, 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.
Common insurance questions in Idaho
What happens if I hit a deer or elk in Idaho?
Your insurance policy will pay to fix your car if you hit a deer or elk, but only if you have comprehensive coverage. This coverage protects against hitting wild animals and other "acts of God," such as hail or flood damage.
Comprehensive coverage is typically required if you have a car loan or lease. This coverage is especially important in Idaho, where wildlife crossings are common on rural highways and mountain roads.
Does car insurance cover damage from wildfires in Idaho?
Comprehensive coverage, which is typically included in a full coverage policy, will cover the cost to fix or replace your car if it's damaged by a wildfire. Comprehensive coverage isn't required by law in Idaho, but your lender almost always requires it if you have a loan or lease on your car.
Do I need to update my car insurance if I move to Idaho?
Yes, you need to get an Idaho insurance policy after moving to the state. You have 30 days after moving to Idaho to register your car and get an Idaho driver's license, at which point you should also update your insurance.
If you're in an accident and your insurance company finds out you haven't updated your address, it could deny your claim. So you should make the change as soon as possible.
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 2018 Honda Civic EX.
Quotes are for a full coverage policy with the following limits:
- $50,000 of bodily injury liability coverage per person, and $100,000 per accident
- $50,000 of property damage liability
- $50,000 of bodily injury uninsured motorist coverage per person, and $100,000 per accident
- $25,000 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.
Auto insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Idaho Department of Insurance. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
