The Best Car Insurance in Idaho for 2022

A balance in affordability, customer satisfaction and insurance company financial stability is important when looking for top insurers in your state. State Farm is the best auto insurance company in Idaho, ranking first for affordability and claims, tying second for customer satisfaction and third for financial stability.

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Last Updated: 4/20/2022
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MoneyGeek studied the top car insurance companies in Idaho and the average costs of their coverage, customer service and financial stability, among other considerations. State Farm ranked first. But you may find other companies that are more suitable for your needs.

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.

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The Best Car Insurance in Idaho

Best Car Insurance Companies in Idaho: Overall

For this study, MoneyGeek also evaluated the best auto insurance companies in Idaho based on the average costs of coverage, claims ratings and user satisfaction.

Based on these evaluations, the two best car insurance providers in the state are:

  • State Farm: MoneyGeek score of 3.8 out of 5
  • GEICO: MoneyGeek score of 3.6 out of 5

USAA received a MoneyGeek score of 5 out of 5. It ranked first in all categories but was not included in this analysis because it is only available to military families.

The Top 5 Car Insurance Companies in Idaho

1
State Farm
Score:3.8

3.2/5

Affordability

4/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

With an average rate of $547 per year, State Farm ranked first for affordability. It tied first in claims, second in user satisfaction and third in financial stability. It offers rideshare insurance.

More About State Farm

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 liability insurance — are in effect. Another add-on is the rental car and travel reimbursement, which covers car rental expenses and travel expenses.

Read MoneyGeek's State Farm auto Insurance Review
2
GEICO
Score:3.6

3/5

Affordability

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO ranked second for affordability with an average cost of $572 per year. It also tied second for claims and customer satisfaction and third financial stability. GEICO has an optional mechanical breakdown insurance (MBI).

More About GEICO

The 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. 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.

Read MoneyGeek's GEICO auto Insurance Review
3
Farmers
Score:3.3

1.5/5

Affordability

4/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

Farmers car insurance typically costs around $727 per year, making it third best in affordability. It tied first for claims, second for user satisfaction and third for financial stability. Customers can opt for custom parts coverage as an add-on.

More About Farmers

The 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:3.2

1.4/5

Affordability

4.5/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

American Family was first for customer satisfaction, tied second for claims and ranked third for financial stability. Its average annual rate is $737, putting it in fourth place for affordability. It has optional OEM coverage.

More About American Family

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:3.2

1.1/5

Affordability

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Allstate costs an average of $769 per year, making it fourth in terms of affordability in Idaho. It tied first for claims and second for customer satisfaction and financial stability. Policyholders can get portable electronics and media coverage as an add-on.

More About Allstate

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
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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:

Compare the Best Insurance Options in Idaho

While cost, service quality and financial stability will help you determine the top car insurance companies in Idaho, the best option for you will be the one that offers the right combination and coverage for your needs. Using MoneyGeek’s analysis and in-depth reviews, you can find the best insurance providers in Idaho.

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Best Car Insurance in Idaho for Customer Service

MoneyGeek scored the best auto insurance providers in the state based on only the claims and user satisfaction ratings.

Based on only these two factors and not considering the cost of insurance, the top car insurance companies in Idaho are:

  • Hartford: MoneyGeek score of 4.7 out of 5
  • Allstate: MoneyGeek score of 4.1 out of 5
The Top 2 Car Insurance Companies in Idaho for Service Quality

1
The Hartford
Score:4.7

5/5

Claims

4.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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 only to use your insurer during a stressful time. 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.

Read MoneyGeek's The Hartford auto Insurance Review
2
Allstate
Score:4

4/5

Claims

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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

The company offers 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 offer 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.

Read MoneyGeek's Allstate auto Insurance Review

Best Car Insurance in Idaho for Drivers on a Budget

Idaho drivers looking for affordable car insurance may consider getting a policy that only meets the state minimum coverage requirements.

MoneyGeek ranked the top car insurance companies in Idaho based on quality of service and affordability of minimum coverage policies.

The highest-rated auto insurers in the state for drivers who value affordability most are:

  • State Farm: MoneyGeek score of 3.9 out of 5
  • GEICO: MoneyGeek score of 3.8 out of 5

MoneyGeek’s Pick: State Farm

State Farm

pros

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Affordable minimum coverage policy at $284 per year.

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Discounts including bundling, safe driving and defensive driving.

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MoneyGeek claims rating of 4 out of 5.

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MoneyGeek customer satisfaction score of 4 out of 5.

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No discounts for policyholders paying in full.

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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 offers various discounts so 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 Poor Driving Records

MoneyGeek also found the best auto insurance in Idaho for individuals with an at-fault accident on their driving record.

The study showed that the top insurers for drivers with bad driving records in Idaho are:

  • State Farm: MoneyGeek score of 4.1 out of 5
  • American Family: MoneyGeek score of 3.9 out of 5

These scores are based on customer service and affordability of rates after an accident.

MoneyGeek’s Pick: State Farm

State Farm

pros

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Affordable full coverage policy for poor drivers at $651 per year.

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Roadside assistance.

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Rental car reimbursement.

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MoneyGeek claims rating of 4 out of 5.

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MoneyGeek user satisfaction score of 4 out of 5.

cons

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No accident forgiveness.

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No new car replacement.

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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, such as mechanical labor, towing, tire change and delivery of battery, gas or oil.
  • 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 ranked 5 out of 5 across all categories, which 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 $520 per year for drivers with an at-fault accident on their driving record.

MoneyGeek’s Pick: USAA

USAA

pros

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Affordable full coverage policy at $358 per year.

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Rideshare insurance coverage.

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Defensive driving discount.

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MoneyGeek claims rating of 5 out of 5.

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MoneyGeek customer satisfaction rating of 5 out 5.

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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 Young Drivers and Students

MoneyGeek’s study includes recommendations of the best car insurance companies in Idaho for brand-new drivers, students and young drivers.

The top-rated insurance providers in the state for young drivers and students are:

  • Allstate: MoneyGeek score of 4.4 out of 5
  • State Farm: MoneyGeek score of 4.2 out of 5

These ratings are based on a balance of affordability and customer service.

MoneyGeek’s Pick: Allstate

Allstate

pros

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Affordable rate for young drivers at $1,480 per year.

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Offers good student, distant student and driver’s education discounts.

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MoneyGeek claims rating of 4 out of 5.

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MoneyGeek user satisfaction score of 4 out of 5.

cons

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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.

Allstate 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. Young drivers who complete a driver’s education course can also get a discount.

Best Car Insurance in Idaho for Those With New Cars

MoneyGeek evaluated the top car insurers in the state to determine the best options for drivers looking for new car replacement coverage. This additional coverage pays for the cost to replace your new insured car with a brand new vehicle of the same make and model in case it gets damaged soon after purchase. Meanwhile, better car replacement coverage allows you to get a newer model if your insured car is totaled in an accident. Since these are add-on features, you will have to pay more to get them.

In Idaho, the company with the highest rating for this category is Farmers. It has a MoneyGeek overall score of 3.3 out of 5.

MoneyGeek’s Pick: Farmers

Farmers

pros

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New car replacement coverage.

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MoneyGeek claims rating of 4 out of 5.

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MoneyGeek user satisfaction rating of 4 out of 5.

cons

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Relatively expensive Idaho full car insurance with an average rate of $727 per year.

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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 purchased 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.

Best Car Insurance in Idaho for Low-Mileage Drivers

More companies are now adopting pay-per-mile coverage. It is a good option for drivers who do not drive often. With this, you will only pay insurance based on the number of miles you have driven. Nationwide SmartMiles is the best pay-per-mile program.

MoneyGeek’s Pick: Nationwide

Nationwide

pros

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Affordable rates for low-mileage drivers.

cons

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It might be more expensive than standard car insurance for people who drive regularly.

COMPANY HIGHLIGHTS

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 in 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:

Methodology

MoneyGeek used average car insurance rates collected across Idaho in partnership with Quadrant Information Services. The costs were based on a sample driver profile as described on MoneyGeek’s methodology page, unless stated otherwise.

To determine the top insurance companies in Idaho, MoneyGeek calculated scores for claims satisfaction, customer satisfaction and financial stability from industry-leading evaluations by the National Association of Insurance Commissioners, J.D. Power and AM Best. MoneyGeek also collected information on coverages and discounts from the insurance companies websites and quote tools.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.