BestAuto InsuranceIdahoThe Best Car Insurance in Idaho for 2023
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BestAuto InsuranceIdahoThe Best Car Insurance in Idaho
Best Overall - State Farm
Best for Customer Service - The Hartford
Best for Minimum Coverage - State Farm
Best for Young Drivers - Allstate
Best for Seniors - State Farm
Best for Bad Driving Record - State Farm
Best for Military - USAA
Best for New Cars - Farmers
Best for Low-Mileage Drivers - Nationwide
If you are looking for cheap car insurance in Idaho regardless of the quality of customer service, MoneyGeek also analyzed the most affordable options for you.
Best Full Coverage Car Insurance Companies in Idaho: Overall
According to MoneyGeek’s ratings, State Farm is the best car insurer overall in Idaho.
MoneyGeek selected the best car insurance companies in Idaho based on their claims score, customer satisfaction and average rates.
The state's two best car insurance providers are:
- State Farm: MoneyGeek score of 75 out of 100 (approximately $547 per year)
- GEICO: MoneyGeek score of 73 out of 100 (approximately $572 per year)
MoneyGeek gave USAA a perfect score of 100. However, the company was left out of the study because its plans are exclusively available to active-duty military personnel, veterans and their families.
MoneyGeek also analyzed the most affordable full coverage auto insurance alternatives in Idaho for customers seeking to save money.
THE TOP CAR INSURANCE COMPANIES IN IDAHO
1
State FarmBest Overall
Score:75
State Farm ranked first for affordability. It tied first in claims, second in user satisfaction and third in financial stability. It offers rideshare insurance.
Average Annual Cost: $547
More About State Farm
State Farm has an average reputation for complaints and an average reputation for customer satisfaction. It offers affordable auto insurance for the majority of motorists, including young drivers and those with moving violations.
As a policyholder, you can add rideshare coverage. This policy makes sure you’re covered if you’re working for a ridesharing company. With this add-on, all policy coverages apply while you are available for hire. Once you match with or are transporting a rider, all coverages except for liability insurance remain in effect. Another add-on is rental car and travel reimbursement. Beyond that, customers can get roadside assistance so that they can get towing to the nearest place where repairs can be made. This also covers locksmith labor and delivery of things like gas or oil.
2
GEICO
Score:73
GEICO ranked second for affordability and also tied second for claims and customer satisfaction as well as third for financial stability. GEICO has optional mechanical breakdown insurance (MBI).
Average Annual Cost: $572 per year
More About GEICO
GEICO is one of the top-rated insurers according to our methodology, with a MoneyGeek score of 73 out of 100. The organization receives high marks for client satisfaction, consistency and discounts, but it did not rank quite as well for affordability and complaints.
GEICO’s MBI includes all parts and systems instead of a specific list of items you’ll see in a typical dealer extended warranty. It is suitable for drivers with new or leased cars that are less than 15 months and have less than 15,000 miles on them.
In addition, accident forgiveness can be a purchased add-on or earned by being accident-free for five years or more. It prevents premium increases after your first at-fault accident, helping to save you money.
3
Farmers
Score:65
Farmers tied first for claims, second for user satisfaction and third for financial stability. Customers can opt for custom parts coverage as an add-on.
Farmers car insurance typically costs around $727 per year, making it the third-best in affordability.
Average Annual Cost: $727
More About Farmers
According to our analysis, Farmers scored 65 out of 100 on the MoneyGeek scale. The company received favorable ratings for complaints and stability but not for other aspects like customer satisfaction, price or discounts.
Custom parts coverage is an add-on for comprehensive and collision coverage policyholders. It covers the repair or replacement of aftermarket equipment. You can also add original equipment manufacturer (OEM) coverage, which covers the cost of using factory-original parts for certain repairs. This applies to cars ten years old or newer. Read MoneyGeek's Farmers Auto Insurance Review.
4
American Family
Score:64
American Family was first for customer satisfaction, tied second for claims and ranked third for financial stability. It has optional OEM coverage.
Its average annual rate is $737, putting it in fourth place for affordability.
Average Annual Cost: $737
More About American Family
American Family has a MoneyGeek rating of 64 out of 100, which is considered average for insurers. American Family has a superior stability score and a great discount score. Its ratings for complaints and consumer satisfaction are average, nevertheless.
American Family’s OEM coverage will ensure that factory-original parts will be used for repairs. Another add-on you can buy is rideshare insurance, which provides coverage while working for a rideshare company. Drivers can also purchase gap insurance coverage, which pays the difference between the amount you owe on your insured car and the total replacement cost. Read MoneyGeek's American Family Auto Insurance Review.
5
Allstate
Score:64
Allstate tied first for claims and second for customer satisfaction and financial stability. Policyholders can get portable electronics and media coverage as an add-on.
Allstate costs an average of $769 per year, making it fourth in terms of affordability in Idaho.
Average Annual Cost: $769
More About Allstate
Allstate had a MoneyGeek score of 64 out of 100, which is below average. Allstate gets above-average ratings for complaints and customer satisfaction but below-average ratings for pricing and discounts.
Portable electronics and media coverage is rarely offered by auto insurance companies. It pays for the loss of items used in an auto sound system. This optional coverage can be added to comprehensive insurance policies. Read MoneyGeek's Allstate Auto Insurance Review.
HOW WE DETERMINED THE BEST INSURANCE IN IDAHO
MoneyGeek gathered data on full coverage costs across different companies for a sample driver and used NAIC claims ratings and J.D. Power customer satisfaction scores to determine the best full coverage car insurance in Idaho. However, actual premium rates may vary greatly depending on various factors. To find out more about the sample drivers, policy and assumptions, read MoneyGeek’s methodology.
MoneyGeek's Idaho Car Insurance Resources:
Best Car Insurance in Idaho for Customer Service
If you live in Idaho and want a car insurance provider with excellent customer service, our analysis found that The Hartford is the best option. In Idaho, the following two companies offer the best customer service:
- The Hartford: MoneyGeek score of 95 out of 100
- Allstate: MoneyGeek score of 81 out of 100
Setting aside pricing, these firms provide the best customer service and experience in Idaho for car insurance.
THE TOP TWO CAR INSURANCE COMPANIES IN IDAHO FOR SERVICE QUALITY
1
The HartfordBest for Customer Service
Score:95
The Hartford ranked first for claims with a score of 5 out of 5. It is also in first place for customer satisfaction and tied second for financial stability with a rating of 4.5 in both categories.
More About The Hartford
Great customer service is crucial since you are likely to use your insurer during a stressful time. The Hartford is rated among the top auto insurance providers by the majority of independent rating organizations, including J.D. Power and the Better Business Bureau (BBB).
The Hartford policyholders can get an optional full auto glass insurance, which pays for the repair of headlights, mirrors and windows without a deductible. The company also offers an optional disappearing deductible. With that opt-in, your collision deductible on your car insurance policy will go down over time as long as you keep a clean driving record.
Beyond that, you can access coverages like gap insurance, accident forgiveness, rental car and/or travel reimbursement and roadside assistance.
2
Allstate
Score:81
Allstate tied second for user satisfaction, claims and financial stability. While the insurer’s average annual premium may be a bit more expensive than others we’ve ranked, the trade-off is that you’ll be paying a higher cost for better service.
More About Allstate
In terms of customer satisfaction, Allstate is tied for third on MoneyGeek's list of the best auto insurance providers in Idaho. For its list, MoneyGeek used evaluations and ratings from reputable sources. These include the National Association of Insurance Commissioners (NAIC), AM Best and J.D. Power.
The company offers many add-ons, including custom parts coverage. This optional coverage pays for the loss of custom equipment, such as custom murals, decals, graphics and height-extending roofs. Another optional offering is gap insurance, which may only be available through your lender. It waives the difference between the primary auto insurance settlement and your outstanding balance at the time of loss. You can even get portable electronics and media coverage for additional protection.
Best Car Insurance in Idaho for Minimum Coverage
State Farm was found to be the best car insurance company in Idaho for affordability. MoneyGeek assessed the best car insurance companies in Idaho for minimum liability policies and discovered the following two to be the best:
- State Farm: MoneyGeek score of 78 out of 100 (approximately $284 per year for state minimum coverage)
- GEICO: MoneyGeek score of 76 out of 100 (approximately $293 per year for state minimum coverage)
Companies that successfully balance affordability and customer service earned this ranking. Idaho’s cheapest minimum coverage auto insurance was also reviewed by MoneyGeek, which considered both price and level of service.
MoneyGeek’s Pick: State Farm
pros
Affordable minimum coverage policy at $284 per year.
Discounts including bundling, safe driving and defensive driving.
MoneyGeek claims rating of 4 out of 5.
MoneyGeek customer satisfaction score of 4 out of 5.
cons
No discounts for policyholders paying in full.
No discounts for paperless billing.
COMPANY HIGHLIGHTS
State Farm ranked first overall in terms of the cost of car insurance that meets the state minimum coverage requirements. It is reasonably priced for the majority of drivers, including those on a tight budget. For the average motorist with the bare minimum of coverage, State Farm auto insurance is typically the most affordable option.
Although State Farm's auto insurance prices are generally acceptable, discounts can reduce the cost of a policy even further. This insurer offers various discounts so that you can save even more, including bundling with other types of insurance, covering multiple cars and safe driving. Additionally, State Farm policyholders can get additional discounts by adding security features like an anti-theft system or completing a defensive driving course.
Best Car Insurance in Idaho for Young Drivers and Students
For young or student drivers in Idaho, Allstate is the best insurer. According to MoneyGeek's research, the following companies offer the best insurance for young drivers and students in Idaho:
- Allstate: MoneyGeek score of 87 out of 100
- State Farm: MoneyGeek score of 84 out of 100
MoneyGeek evaluated insurance carriers in Idaho based on their cost and customer service for new drivers, students and young drivers. In this study, rates for college and high school students from Idaho who were in their late teens or early 20s were considered.
New driver and student insurance premiums can be very costly. MoneyGeek also identified Idaho's most affordable young driver car insurance to help you save money.
MoneyGeek’s Pick: Allstate
pros
Affordable rate for young drivers at $1,480 per year.
Offers good student, distant student and driver’s education discounts.
MoneyGeek claims rating of 4 out of 5.
MoneyGeek user satisfaction score of 4 out of 5.
cons
Pricing may vary based on driving history.
COMPANY HIGHLIGHTS
Typically, adding a young driver to an auto insurance policy can be expensive. However, Allstate is able to balance great service and affordability. When choosing an insurer, remember that the quality of service can be an important consideration. That is because you are likely to approach your insurer in a time of crisis.
Teen drivers can get low-cost auto insurance rates from Allstate. This insurer also offers student-related discounts, which are great saving opportunities for families with young drivers. The company has a good student discount that rewards full-time students who maintain good grades. Distant student discounts are also available to drivers who attend school more than 100 miles away from where their car is garaged. Furthermore, young drivers who complete a driver’s education course can also get a discount.
Best Car Insurance in Idaho for Seniors
MoneyGeek selected the top Idaho auto insurance companies for seniors based on price and the company's reputation among seniors who want outstanding customer service. The best companies include:
- State Farm: MoneyGeek score of 86 out of 100 (approximately $541 per year)
- GEICO: MoneyGeek score of 81 out of 100 (approximately $609 per year)
Affordability and expert service were considered when determining the company scores. In addition, MoneyGeek identified several cheap senior citizen auto insurance options in Idaho.
MoneyGeek’s Pick: State Farm
pros
Offers affordable insurance rates for seniors at roughly $541 per year
Good scores in terms of claims and user satisfaction
Offers defensive driving discounts
Offers roadside assistance, rideshare insurance and rental car and/or travel reimbursement
cons
Doesn’t offer unique coverages like OEM
Doesn’t offer senior discounts
No accident forgiveness and gap insurance coverage
COMPANY HIGHLIGHTS
State Farm ranks highly among its competitors as the auto insurance company with one of the biggest market shares nationwide. For elderly drivers who want to get full coverage, State Farm is affordable.
Although State Farm's auto insurance prices are generally inexpensive, discounts can cut the cost of a policy even further. The most popular auto insurance discounts, including bundle, multiple vehicles, safe driving, anti-theft system, defensive driving and airbag discounts, are offered by State Farm. However, unlike other companies, State Farm doesn’t offer a senior discount.
Additionally, State Farm's coverages are fairly limited compared to competitors. The primary reason the company ranked first for senior drivers is its high score in affordability. It also scored well in terms of satisfaction and claims.
Best Car Insurance in Idaho for Bad Driving Records
Drivers with poor driving records in Idaho will find State Farm to be the best insurer. MoneyGeek's study identified the top Idaho auto insurance providers for drivers with poor driving records.
We found these two companies to be the top options:
- State Farm: MoneyGeek score of 82 out of 100 (approximately $651 per year)
- American Family: MoneyGeek score of 78 out of 100 (approximately $759 per year)
These companies offer a good combination of customer service and reasonable pricing for drivers with a bad driving record. Nevertheless, your driving record will have an impact on the cost of your auto insurance in Idaho.
For individuals seeking to save money, MoneyGeek also looked into the cheapest car insurance in Idaho for people with DUIs or bad driving records.
MoneyGeek’s Pick: State Farm
pros
Affordable full coverage policy for poor drivers at $651 per year.
Roadside assistance.
Rental car reimbursement.
MoneyGeek claims rating of 4 out of 5.
MoneyGeek user satisfaction score of 4 out of 5.
cons
No accident forgiveness.
No new car replacement.
No better car replacement.
COMPANY HIGHLIGHTS
State Farm offers one of the best car insurance policies in the state for individuals who have a poor driving record. Its average rate is $651 per year. It received a score of 4 out of 5 for both claims and customer satisfaction.
The company also allows policyholders to get the following additional coverage:
- Roadside Assistance: This coverage gives you access to services that will help if you get stranded due to vehicle issues. It pays for mechanical labor for up to one hour at the place of your car’s breakdown, towing to the nearest repair location, locksmith labor for up to one hour and the delivery of gas, oil or a battery.
- Rental Car Reimbursement: This pays for car rental and travel expenses if your insured car cannot be used due to necessary repairs caused by a covered accident.
Best Car Insurance in Idaho for a Military Background
Based on MoneyGeek’s scoring system, USAA offers the best car insurance in Idaho for drivers with a military background. It garnered perfect marks across all categories and received a MoneyGeek score of 100. This means it is also the highest-scoring company in the state.
The average cost of a USAA policy is $182 per year for a state minimum policy and $358 for a full coverage policy.
MoneyGeek’s Pick: USAA
pros
Affordable full coverage policy at $358 per year.
Rideshare insurance coverage.
Defensive driving discount.
MoneyGeek claims rating of 5 out of 5.
MoneyGeek customer satisfaction rating of 5 out 5.
cons
Only active-duty military personnel, veterans and their families are eligible for a policy.
COMPANY HIGHLIGHTS
USAA has some of the most affordable policies in Idaho. It also has the best service ratings in the state. Additionally, it has one of the best reputations in the country.
The company offers certain coverages and discounts that will be helpful to its policyholders, including:
- Rideshare Gap Insurance: This optional coverage is best for individuals who want protection while waiting for a rideshare request.
- Accident Forgiveness: This add-on ensures there will be no policy surcharge for your first at-fault accident if you’ve been accident-free for five years at USAA.
- Defensive Driving: Individuals who complete a defensive driving course can get a discount.
- Mileage Discount: The company offers discounts depending on how many miles the policyholder drives in a year.
Best Car Insurance in Idaho for Those With New Cars
Farmers is the best company in Idaho offering new car replacement coverage, with a score of 65 out of 100 (costs approximately $727 annually).
MoneyGeek ranked the top auto insurance providers in Idaho for drivers in need of new car replacement coverage. If your automobile is damaged within the first few years of ownership, this insurance pays for the cost of replacing it with a brand new vehicle of the same make and model, without regard for depreciation. Because standard insurance does not often provide new car replacement coverage, you will need to pay extra and purchase it as add-on coverage.
MoneyGeek’s Pick: Farmers
pros
New car replacement coverage
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 4 out of 5
cons
Relatively expensive Idaho full car insurance with an average rate of $727 per year
No better car replacement coverage
COMPANY HIGHLIGHTS
Farmers is an excellent option for new car drivers since it offers new car replacement coverage. Generally, the value of a vehicle decreases immediately after driving it off the lot. Having this coverage will help you get a new car again in the event of an accident soon after you purchase your car.
Farmers’ new car replacement coverage pays for the cost of a new car of a similar make and model as your covered car. This applies if your covered car is totaled in an accident within the first two model years and 24,000 miles.
Additionally, Farmers offers unique options for coverage. These include OEM coverage, which covers the price of utilizing factory-original parts in covered repairs on your car.
Best Car Insurance in Idaho for Low-Mileage Drivers
Low-mileage drivers in Idaho may consider Nationwide SmartMiles, which is the state's best option. Car insurance policies that charge based on the number of miles traveled are becoming more common.
MoneyGeek’s Pick: Nationwide
pros
Affordable rates for low-mileage drivers.
cons
It might be more expensive than standard car insurance for people who drive regularly.
COMPANY HIGHLIGHTS
Nationwide scores averagely for customer service and performs better than average in terms of handling complaints. The cost of insurance from Nationwide is neither high nor low compared to the majority of other insurers.
You might be interested in some of Nationwide's cutting-edge solutions, such as SmartRide and SmartMiles programs, which offer the potential for savings, as well as a robust online buying and claims experience.
Nationwide SmartMiles is a good option for Idaho drivers who do not drive regularly. You will be paying a base rate plus variable rates that depend on how many miles you drive. If you go on a road trip, only the first 250 miles will count in a single day. Being a safe driver will allow you to earn up to 10%.
How to Find the Best Car Insurance in Idaho For You
When looking for the best auto insurance in Idaho, you will have to consider multiple factors. Choose the insurer that balances affordability, quality service and financial stability.
To help you get started, MoneyGeek collected this information for you. But you can compare car insurance companies yourself to determine which one fits your needs.
1
Research customer service reputations in Idaho
MoneyGeek collected car insurance quotes for a sample driver from multiple car insurance companies and evaluated NAIC complaint ratios and J.D. Power customer satisfaction ratings to find the top insurers in Idaho. You may also do research at Idaho’s Department of Insurance to learn more.
2
Compare quotes for yourself
The quotes MoneyGeek used are averages for sample drivers. These are based on rates in most of Idaho but do not cover the entire state. To get a good idea of the costs of coverage in your area and find the most accurate policy premiums, compare quotes from at least three auto insurance providers.
3
Make sure the company has coverages you want in Idaho
Before choosing a car insurance policy from any insurer, it is essential to review the coverages and discounts that you need. There are times when advertised discounts and coverages are not offered in some states. Check with the insurance companies you’re interested in to see if they provide what you are looking for in Idaho.
4
Double-check financial stability ratings
Financial strength is also a key factor you should consider when choosing an insurance provider. In most cases, large insurance companies tend to be more financially stable. That means they are more likely to be able to pay out claims. Meanwhile, regional insurance carriers usually have lower ratings.
FAQs About the Best Car Insurance in Idaho
The best car insurance in Idaho will be based on your needs and the features you are most interested in. Here are some of the most common questions that may help you.
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