Cheapest Car Insurance In Idaho (2024)
The cheapest car insurance in Idaho comes from USAA at $21 per month on average.
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As car insurance costs are going up, it’s a smart move for drivers in Idaho to compare different policy options in order to find the cheapest coverage available. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, customer satisfaction, coverage choices, and typical premiums for each provider.
In this review, we will outline the top methods to cut costs on insurance and let you know the most affordable places to get car insurance in Idaho, depending on how you drive.
Key Points
- USAA is the cheapest car insurance company in Idaho overall, with an average rate of $21 per month for minimum coverage and $87 per month for full coverage.
- GEICO and State Farm also offer affordable car insurance rates for many driver profiles.
- If you are under 25 or have received traffic violations, your car insurance rates will be higher than the average.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
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Different car insurance companies assess driver profiles in their own way, so the provider that is the least expensive for one driver might not be the least expensive for you. For instance, here is a summary of the most affordable auto insurance providers and the prices they offer for various driver profiles in Idaho.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | USAA | $21 | $250 |
| Full coverage | USAA | $87 | $1,050 |
| 16-year-olds | Farm Bureau | $63 | $756 |
| 45-year-olds | USAA | $17 | $209 |
| High-risk drivers | State Farm | $27 | $327 |
| After a speeding ticket | GEICO | $25 | $298 |
| After an accident | State Farm | $29 | $348 |
| After a DUI | State Farm | $26 | $316 |
| Poor credit drivers | GEICO | $21 | $256 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Idaho?
In general, we discovered that USAA has the most affordable car insurance in Idaho for various types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Idaho.
These rates apply to drivers from Idaho who vary in terms of age, location, and driving experience. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Idaho: USAA
Drivers looking for the most affordable coverage that just meets Idaho state minimum requirements may find it at USAA for about $21 per month or $250 per year on average.
| Cheapest Car Insurance in Idaho | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $21 | $250 |
| GEICO | $21 | $256 |
| State Farm | $24 | $289 |
| Auto-Owners | $27 | $325 |
| Travelers | $30 | $357 |
| Farm Bureau | $31 | $374 |
| Oregon Mutual | $41 | $498 |
| Farmers | $51 | $607 |
| Allstate | $51 | $616 |
| Sentry | $59 | $705 |
Cheapest Full Coverage In Idaho: USAA
USAA offers the most comprehensive coverage at the best price. The provider offers full-coverage insurance for an average of $87 per month.
Full-coverage insurance policies in Idaho generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Idaho | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $87 | $1,050 |
| GEICO | $92 | $1,104 |
| State Farm | $102 | $1,223 |
| Travelers | $110 | $1,325 |
| Auto-Owners | $114 | $1,367 |
| Oregon Mutual | $127 | $1,521 |
| Farm Bureau | $135 | $1,624 |
| Farmers | $170 | $2,042 |
| Allstate | $208 | $2,501 |
| Sentry | $239 | $2,868 |
Cheapest Car Insurance In Idaho: Age
Below, you’ll find average insurance costs for Idaho drivers ages 16 to 55 as well as the top five most affordable car insurance companies for each age group. Drivers aged 30 to 55 often receive the lowest car insurance rates because they have more road experience. Additionally, they have a lower chance of getting into accidents compared to younger drivers, according to statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $181 | $564 |
| 25 | $39 | $153 |
| 35 | $32 | $124 |
| 45 | $30 | $118 |
| 55 | $29 | $109 |
Cheapest Idaho Car Insurance: Young Drivers
As mentioned, new drivers and early 20s typically pay the most expensive car insurance rates. That is mostly because these drivers have less driving experience and are more likely to ignore traffic rules and get into car crashes.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Idaho Car Insurance For 16-Year-Olds: Farm Bureau
If you’re a teen driver or the parent of one, Farm Bureau may be your best bet for finding the most affordable car insurance in Idaho.
The company’s cheapest average rates for 16-year-old drivers are $63 per month or $756 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $268 per month or $3,212 per year from Farm Bureau.
| Cheapest Car Insurance in Idaho | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Farm Bureau | $63 | $268 |
| GEICO | $80 | $329 |
| State Farm | $99 | $356 |
| Travelers | $129 | $429 |
| Auto-Owners | $134 | $415 |
| USAA | $163 | $663 |
| Sentry | $168 | $566 |
| Allstate | $218 | $834 |
| Oregon Mutual | $359 | $766 |
| Farmers | $393 | $1,011 |
Cheapest Idaho Car Insurance For 25-Year-Olds: USAA
Car insurance rates decrease significantly for young drivers in their 20s in comparison to what teenagers pay. Nevertheless, the rates for this age group can still be expensive depending on the insurance company you select.
USAA provides the cheapest car insurance costs on average at $23 per month or $274 per year for minimum coverage. USAA costs $96 per month or $1,150 per year for full coverage.
| Cheapest Car Insurance in Idaho | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $23 | $96 |
| GEICO | $24 | $103 |
| State Farm | $26 | $115 |
| Travelers | $30 | $115 |
| Auto-Owners | $31 | $131 |
| Farm Bureau | $37 | $159 |
| Oregon Mutual | $49 | $144 |
| Allstate | $52 | $224 |
| Farmers | $54 | $186 |
| Sentry | $66 | $259 |
Cheapest Idaho Car Insurance: Adult Drivers
People who are in their forties generally pay the least amount of money for car insurance. You can compare average auto insurance premiums of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Idaho Car Insurance For 35-Year-Olds: GEICO
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from GEICO. The company offers average minimum-coverage costs of $19 per month or $223 per year. For full coverage, USAA’s rates average $79 monthly or $950 annually.
| Cheapest Car Insurance in Idaho | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $19 | $81 |
| USAA | $19 | $79 |
| State Farm | $22 | $89 |
| Auto-Owners | $23 | $97 |
| Farm Bureau | $26 | $111 |
| Travelers | $29 | $106 |
| Oregon Mutual | $34 | $109 |
| Farmers | $47 | $154 |
| Allstate | $51 | $193 |
| Sentry | $51 | $219 |
Cheapest Idaho Car Insurance For 45-Year-Olds: USAA
Forty-five-year-old drivers may find the most affordable minimum coverage from USAA, with average rates of $17 per month or $209 per year. The cheapest full coverage comes from USAA at $74 per month or $886 per year.
| Cheapest Car Insurance in Idaho | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $16 | $70 |
| USAA | $18 | $71 |
| Auto-Owners | $21 | $87 |
| State Farm | $21 | $82 |
| Farm Bureau | $21 | $94 |
| Travelers | $26 | $97 |
| Oregon Mutual | $32 | $95 |
| Farmers | $41 | $140 |
| Sentry | $42 | $175 |
| Allstate | $51 | $180 |
Cheapest Idaho Car Insurance For 55-Year-Olds: GEICO
Most people who are in their 50s can usually get the cheapest car insurance rates in Idaho from GEICO. The insurer’s average premiums are $16 monthly or $191 annually for minimum coverage. The cheapest full coverage option is from GEICO, costing $81 monthly or $971 annually
| Cheapest Car Insurance in Idaho | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $27 | $113 |
| USAA | $33 | $141 |
| Travelers | $37 | $139 |
| GEICO | $42 | $175 |
| Farm Bureau | $49 | $203 |
| Auto-Owners | $53 | $200 |
| Oregon Mutual | $59 | $174 |
| Allstate | $67 | $286 |
| Farmers | $72 | $233 |
| Sentry | $84 | $343 |
Cheapest Car Insurance In Idaho: High-Risk Drivers
Besides the type of coverage and your age, how safely you drive is a significant factor that determines the cost of your car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including speeding citations, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are considered high-risk pay car insurance rates that are higher than the average. This is because they have multiple violations on their driving records. On average, Idaho motorists who are deemed high-risk may find the most affordable rates from State Farm for minimum coverage or State Farm for full coverage.
| Cheapest Car Insurance in Idaho | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $25 | $107 |
| USAA | $26 | $112 |
| State Farm | $26 | $110 |
| Farm Bureau | $31 | $135 |
| Travelers | $35 | $132 |
| Auto-Owners | $44 | $171 |
| Oregon Mutual | $46 | $142 |
| Allstate | $58 | $241 |
| Farmers | $66 | $226 |
| Sentry | $87 | $356 |
Cheapest Idaho Car Insurance For Drivers With A Speeding Ticket: GEICO
Drivers with a speeding citation on their record can generally find the most affordable coverage from GEICO, with average rates of $25 per month or $298 per year for minimum coverage and $107 per month or $1,286 per year for full coverage.
| Cheapest Car Insurance in Idaho | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $29 | $119 |
| USAA | $30 | $124 |
| GEICO | $36 | $153 |
| Travelers | $37 | $137 |
| Farm Bureau | $41 | $177 |
| Auto-Owners | $44 | $169 |
| Oregon Mutual | $54 | $164 |
| Farmers | $77 | $243 |
| Allstate | $77 | $335 |
| Sentry | $88 | $354 |
Cheapest Idaho Car Insurance For Drivers With An At-Fault Accident: State Farm
Getting into a car accident in Idaho might make your car insurance costs go up. State Farm tends to offer the most affordable rates on average at about $29 per month or $348 per year for minimum coverage and $119 per month or $119 per year for full coverage.
| Cheapest Car Insurance in Idaho | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $29 | $119 |
| USAA | $30 | $124 |
| GEICO | $36 | $153 |
| Travelers | $37 | $137 |
| Farm Bureau | $41 | $177 |
| Auto-Owners | $44 | $169 |
| Oregon Mutual | $54 | $164 |
| Farmers | $77 | $243 |
| Allstate | $77 | $335 |
| Sentry | $88 | $354 |
Cheapest Idaho Car Insurance For Drivers With A DUI: State Farm
If you’re a motorist with a DUI on record, you may find the cheapest minimum car insurance in Idaho from State Farm for $26 per month or $316 per year on average. They also have rates of $110 monthly or $1,317 annually for full coverage.
| Cheapest Car Insurance in Idaho | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $26 | $110 |
| Travelers | $40 | $147 |
| USAA | $44 | $187 |
| GEICO | $65 | $264 |
| Allstate | $65 | $280 |
| Auto-Owners | $71 | $258 |
| Farmers | $72 | $230 |
| Farm Bureau | $74 | $295 |
| Oregon Mutual | $76 | $216 |
| Sentry | $77 | $320 |
Cheapest Idaho Car Insurance For Drivers With Poor Credit: GEICO
People who have a bad credit history are charged more money for their car insurance. Those who don’t have the best credit history may want to check out GEICO, which has an average minimum-coverage rate of $28 per month or $340 per year and an average full-coverage rate of $122 per month or $1,467 per year.
| Cheapest Car Insurance in Idaho | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $28 | $122 |
| Travelers | $42 | $161 |
| USAA | $42 | $199 |
| Farm Bureau | $47 | $205 |
| State Farm | $48 | $202 |
| Oregon Mutual | $59 | $183 |
| Allstate | $65 | $309 |
| Sentry | $75 | $307 |
| Auto-Owners | $75 | $262 |
| Farmers | $76 | $274 |
Average Cost Of Car Insurance In 10 Idaho Cities
Where you reside in Idaho is another element that affects the cost of your car insurance. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger groups of people
- There are an increased number of cars driving on the roads.
- More car accidents happening at a greater frequency.
- More instances of breaking traffic rules
- More incidents of car theft and car vandalism
- Extreme weather patterns
Certain factors that increase the chances of risks are more common among car owners living in bigger cities. That’s why drivers in busy urban areas have to shell out the highest average price for car insurance with minimum coverage. On the other hand, drivers residing in rural regions, where crime is less and the population is smaller, tend to enjoy lower rates for their car insurance.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Boise City | $39 | $122 |
| Meridian | $39 | $121 |
| Twin Falls | $36 | $129 |
| Idaho Falls | $39 | $136 |
| Post Falls | $36 | $132 |
| Pocatello | $37 | $135 |
| Caldwell | $41 | $132 |
| Kuna | $39 | $124 |
| Chubbuck | $37 | $133 |
| Sandpoint | $32 | $140 |
Top 5 Car Insurance Companies In idaho
Besides the price, we have reviewed more than 40 insurance companies in terms of their coverage, service, and reliability. This analysis helps us identify the five best insurers for people living in Idaho. Based on our research, we found USAA to be the best provider for most drivers in Idaho. Here are the ratings we gave to our recommended choices overall.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5.0 | 4.5 |
| #2 Travelers | 4.6 | 4.4 | 4.9 | 4.5 | 4.2 |
| #3 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #4 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
| #5 Allstate | 4.4 | 3.8 | 4.6 | 4.8 | 4.2 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Idaho
You can reduce how much you pay for car insurance in Idaho in a few different ways. These include:
- Opting for minimum coverage: If you get the least amount of coverage that your state needs, you can find the cheapest car insurance available.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting price estimates from several companies can help you determine which provider will give you the most favorable offer.
Many insurance companies also offer usage-based insurance programs as a way to save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you might get a significant discount. However, certain programs might increase your rates if you engage in risky driving habits.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Idaho Require For Car Insurance?
Drivers in Idaho must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $15,000 property damage liability per accident
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Idaho
When it comes to both minimum and full coverage, USAA is the best and cheapest auto insurance company for most drivers in Idaho. While the above costs can give you an idea of what you’d pay for car insurance in Idaho, seeking an individualized rate will help give you a more accurate picture of what you’ll pay.
Many companies offer quick and no-cost tools on their websites for getting price estimates. You can also contact a company’s insurance agent or representative by phone. Once you gather quotes from three or more car insurance providers, compare them to find the option that suits you best.
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Best Cheap Car Insurance In Idaho: FAQ
Here are some frequently asked questions about car insurance in Idaho:
How much is car insurance per month in Idaho?
Is Idaho Car Insurance Cheaper?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.