Best Car Insurance Rates in Idaho

Find the Cheapest Auto Insurance Quotes in Your Area

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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
  • Auto-Owners
  • 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.

This is a graph showing the cheapest insurers in comparison to the average cost of insurance in Idaho.

Find the Cheapest Auto Insurance Quotes in Your Area

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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.

RankInsurerAuto insurance quote
1State Farm$349
2Auto-Owners$434
3Farm Bureau$460
4GEICO$551
5Allstate$760
6Farmers$991
7American Family$1,081
8USAA$224

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.

RankInsurerAuto quote before accidentAuto quote after accidentDifference
1State Farm$960$1,143$182
2Auto-Owners$1,527$1,748$221
3American Family$1,789$1,845$56
4Farm Bureau$1,520$1,985$465
5GEICO$1,482$2,287$805
6Allstate$2,738$4,291$1,552
7Farmers$3,420$4,706$1,286
N/AUSAA$780$1,098$318
USAA is a specialty insurer that only insures members of the armed forces, veterans and their relatives.

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.

Annual rate
No accident history$1,777
One accident$2,388

Best auto insurance companies in Idaho

Of the insurers included in our rates analysis, the best car insurance companies in Idaho are:

  • Farmers
  • 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:

  • GEICO
  • USAA
  • American Family
Auto insurerComplaint index
Farmers0.00
Farm Bureau0.14
State Farm0.57
Auto-Owners0.67
Allstate0.69
American Family0.70
USAA0.83
GEICO0.92

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.

CityInsurerAnnual auto insurance quote
American FallsState Farm$926
Auto-Owners$1,373
Farm Bureau$1,511
AmmonState Farm$1,040
Auto-Owners$1,411
Farm Bureau$1,437
BlackfootState Farm$1,079
Auto-Owners$1,403
GEICO$1,519
Boise CityState Farm$942
Farm Bureau$1,272
Auto-Owners$1,297
Bonners FerryState Farm$961
GEICO$1,593
American Family$1,808
BuhlState Farm$873
Auto-Owners$1,293
Farm Bureau$1,437
BurleyState Farm$879
Auto-Owners$1,308
GEICO$1,481
CaldwellState Farm$1,025
GEICO$1,364
Farm Bureau$1,382
ChubbuckState Farm$1,046
Auto-Owners$1,375
Farm Bureau$1,406
Coeur d'AleneState Farm$993
Farm Bureau$1,516
GEICO$1,556
EagleState Farm$1,049
Auto-Owners$1,236
Farm Bureau$1,272
EmmettState Farm$924
Auto-Owners$1,291
GEICO$1,378
FilerState Farm$912
Auto-Owners$1,311
Farm Bureau$1,437
FruitlandState Farm$878
Farm Bureau$1,260
Auto-Owners$1,329
GoodingState Farm$903
Auto-Owners$1,291
Farm Bureau$1,315
GrangevilleState Farm$932
Auto-Owners$1,392
GEICO$1,481
HaileyState Farm$968
Farm Bureau$1,285
Auto-Owners$1,334
HaydenState Farm$999
Farm Bureau$1,516
GEICO$1,556
HeyburnState Farm$879
Auto-Owners$1,296
GEICO$1,481
HomedaleState Farm$908
GEICO$1,367
Farm Bureau$1,541
Idaho FallsState Farm$1,010
Auto-Owners$1,409
Farm Bureau$1,437
JeromeState Farm$934
Auto-Owners$1,309
Farm Bureau$1,401
KetchumState Farm$983
Farm Bureau$1,285
Auto-Owners$1,349
KimberlyState Farm$933
Auto-Owners$1,340
Farm Bureau$1,437
KunaState Farm$963
Auto-Owners$1,263
Farm Bureau$1,272
LewistonState Farm$943
Auto-Owners$1,335
GEICO$1,397
McCallState Farm$907
Auto-Owners$1,364
GEICO$1,481
MeridianState Farm$948
Farm Bureau$1,272
Auto-Owners$1,282
MiddletonState Farm$999
GEICO$1,378
Farm Bureau$1,382
MontpelierState Farm$876
Auto-Owners$1,381
GEICO$1,481
MoscowState Farm$939
Auto-Owners$1,344
GEICO$1,439
Mountain HomeState Farm$870
GEICO$1,239
Auto-Owners$1,268
NampaState Farm$1,011
GEICO$1,361
Farm Bureau$1,382
OrofinoState Farm$1,037
GEICO$1,481
Farm Bureau$1,621
PayetteState Farm$875
Farm Bureau$1,260
Auto-Owners$1,326
PocatelloState Farm$1,066
Auto-Owners$1,372
Farm Bureau$1,406
Post FallsState Farm$979
Farm Bureau$1,516
GEICO$1,556
PrestonState Farm$899
Auto-Owners$1,373
GEICO$1,481
RathdrumState Farm$996
Farm Bureau$1,516
GEICO$1,593
RexburgState Farm$935
Auto-Owners$1,363
Farm Bureau$1,461
RigbyState Farm$1,013
Auto-Owners$1,385
Farm Bureau$1,516
RupertState Farm$890
Auto-Owners$1,311
GEICO$1,481
SalmonState Farm$1,000
GEICO$1,481
Farm Bureau$1,786
ShelleyState Farm$999
Auto-Owners$1,392
GEICO$1,519
Soda SpringsState Farm$876
Auto-Owners$1,389
Farm Bureau$1,395
St. AnthonyState Farm$940
Auto-Owners$1,410
Farm Bureau$1,486
StarState Farm$953
Farm Bureau$1,272
Auto-Owners$1,321
Twin FallsState Farm$955
Auto-Owners$1,294
GEICO$1,423
WeiserState Farm$861
Auto-Owners$1,340
GEICO$1,481
WendellState Farm$879
Auto-Owners$1,294
Farm Bureau$1,315

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:

  • Meridian
  • Mountain Home
  • Boise City

The most expensive cities in Idaho for full coverage auto insurance are:

  • Bonners Ferry
  • Orofino
  • Grangeville

Your location is an important factor in your car insurance rates. The table below identifies the average cost of car insurance cost in Idaho's largest cities, ordered from the cheapest to the most expensive.

RankCityCar insurance quote
1Meridian$1,567
2Mountain Home$1,598
3Boise City$1,602
4Kuna$1,634
5Eagle$1,643
6Payette$1,649
7Star$1,653
8Fruitland$1,657
9Emmett$1,662
10Gooding$1,667
11Wendell$1,670
12Middleton$1,674
13Twin Falls$1,681
14Buhl$1,687
15Filer$1,690
16Heyburn$1,691
17Jerome$1,692
18Caldwell$1,698
19Kimberly$1,699
20Nampa$1,702
21Hailey$1,703
22Ketchum$1,703
23McCall$1,703
24Rupert$1,703
25Post Falls$1,710
26Burley$1,715
27American Falls$1,738
28Homedale$1,743
29Coeur d'Alene$1,753
30Pocatello$1,754
31Chubbuck$1,762
32Soda Springs$1,764
33Weiser$1,764
34Montpelier$1,770
35Rexburg$1,772
36St. Anthony$1,780
37Preston$1,785
38Lewiston$1,788
39Idaho Falls$1,790
40Ammon$1,792
41Rigby$1,796
42Moscow$1,805
43Hayden$1,814
44Blackfoot$1,818
45Shelley$1,826
46Salmon$1,847
47Rathdrum$1,851
48Grangeville$1,855
49Orofino$1,904
50Bonners Ferry$1,916

Methodology

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 typeStudy 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.

Sources:

  • Idaho Department of Insurance
  • Census Population Data

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