Best Car Insurance in Idaho

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Updated: December 29, 2025

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Best Car Insurance in Idaho: Fast Facts

MoneyGeek evaluated all auto insurance providers in Idaho and scored their services based on affordability (cost and discounts), customer service, and coverage options across all residential ZIP codes. All in total, these companies offer the best car insurance in Idaho (Click each category to learn more about the winners):

Best by Rating:

Best by Driver and Coverage:

To ensure you get a good deal on Idaho auto insurance, we also provided answers to common questions about the topic (Click to learn more).

Best Car Insurance Companies in Idaho

State Farm ranks as Idaho's top car insurer, delivering the best value and lowest rates for most drivers. Auto-Owners offers competitive pricing for young drivers and low-income residents, while Travelers specializes in affordable coverage for drivers with poor credit.

State Farm4.49$3746
Auto-Owners4.49$5315
Geico4.34$4156
American National4.28$3996
Travelers4.24$6224
Grange Insurance4.23$4992
Farm Bureau4.20$5037

How We Chose the Best Car Insurance Companies in Idaho

Compare Idaho Car Insurance Rates From Top Companies

Enter your zip code to quickly compare quotes with top car insurance companies in Idaho.

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LEARN MORE ABOUT THE BEST CHEAP AUTO INSURANCE IN IDAHO

Get more in-depth information about the best vehicle insurance in Idaho for your profile:

State Farm

State Farm: Best Cheap Idaho Car Insurance Company Overall

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  • Market-leading affordability with competitive premium rates statewide

  • Extensive local agent network provides personalized Idaho service

  • Comprehensive mobile app handles claims and account management

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  • Limited coverage variety compared to other Idaho insurers

  • No pay-per-mile or rideshare insurance options available

  • Rates often higher than competitors for similar coverage

COMPANY HIGHLIGHTS

State Farm ranks as the best overall and cheapest for most drivers in Idaho. Senior drivers pay $43 monthly, drivers with an accident pay $42 monthly, and drivers with a DUI pay $39 monthly. The average monthly premium is $37 ($440 annually), earning State Farm a 5.0 affordability score and the top overall ranking in Idaho.

State Farm covers Idaho drivers with medical payments, uninsured motorist protection and emergency roadside assistance. Additional options include car rental coverage and rideshare protection for Uber and Lyft drivers. The company's 2.9 coverage score reflects limited options, though comprehensive coverage protects against wildlife collisions and storm damage common in Idaho.

Idaho customers rate State Farm at 4.0 for customer experience, ranking fourth in the state. The mobile app handles claims filing and policy management quickly. State Farm's local agent network provides personalized service across Idaho, though competitors score higher in this category.

Read our review: State Farm Car Insurance Review

Auto-Owners

Auto-Owners: Best Idaho Car Insurance for Young Drivers and Customer Service

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  • Fast claims processing reduces settlement wait times significantly

  • Customizable coverage options include specialized Idaho weather protection

  • Local agents in every city provide state-specific expertise

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  • Rates tend to be higher for younger drivers

  • Fewer discount opportunities than many competitors

  • No mobile app or online chat support

COMPANY HIGHLIGHTS

Auto-Owners ranks best for young drivers and low-income residents in Idaho. Young drivers pay $112 monthly while adults pay $49 monthly. Drivers with speeding tickets pay $53 monthly, and drivers with older vehicles pay $37 monthly.

Auto-Owners covers Idaho drivers with liability, collision and comprehensive protection. The personal auto plus package adds pet injury coverage, cell phone and GPS protection, rental car expenses and loan/lease gap coverage. Roadside assistance and custom parts coverage are also available. Auto-Owners scored 3.4 out of 5.0 for coverage options, allowing Idaho drivers to customize policies for storm damage and other state-specific risks.

Auto-Owners earned a perfect 5.0 customer experience score, ranking first in Idaho. The company's local agent network operates throughout the state, and the mobile app handles policy management, claims and bill payments. Claims processing is efficient for weather-related damages and other Idaho driving incidents.

Read our review: Auto-Owners Car Insurance Review

Travelers

Travelers: Best Idaho Car Insurance for Seniors, High-Risk Drivers, Bad Credit and Coverage Options

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  • Quick claims processing with full-featured mobile app support

  • IntelliDrive program offers immediate savings upon enrollment

  • Extensive coverage includes pet protection and custom equipment

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  • Higher premiums compared to other Idaho insurers

  • Slow claim processing and communication issues reported

  • Limited discount opportunities reduce competitive pricing

COMPANY HIGHLIGHTS

Travelers ranks best for Idaho drivers with bad credit, charging $187 monthly ($2,246 annually) when other insurers impose higher rates. Drivers with newer cars pay $56 monthly on average, beating competitor pricing.

Travelers covers Idaho drivers with liability, collision and comprehensive protection. Additional options include pet injury protection, custom parts and equipment coverage, loan/lease gap insurance, roadside assistance and rental reimbursement. Travelers scored 3.9 out of 5.0 for coverage options. Drivers can adjust deductibles and coverage limits for Idaho's weather-related risks and theft concerns.

Travelers earned a 4.6 customer experience rating. The mobile app handles claims filing, document uploads and claim tracking 24/7. The IntelliDrive program saves safe drivers up to 30%. Claims processing handles Idaho's snow and ice damage efficiently.

Read our review: Travelers Car Insurance Review

Best Car Insurance in Idaho by City

Auto-Owners offers the lowest rates in most Idaho cities, while State Farm leads in northern population centers.

  • Cities where Auto-Owners is best: Ammon, Blackfoot, Boise, Burley, Caldwell, Chubbuck, Eagle, Idaho Falls, Kuna, Lewiston, Meridian, Moscow, Mountain Home, Nampa, Pocatello, Rexburg, Twin Falls
  • Cities where State Farm is best: Coeur d'Alene, Post Falls, Sandpoint

The table below shows the best car insurance companies for Idaho's major cities.

AmmonAuto Owners$4715
BlackfootAuto Owners$4415
BoiseAuto Owners$5215
BurleyAuto Owners$4315
CaldwellAuto Owners$4815
ChubbuckAuto Owners$4515
EagleAuto Owners$3915
Idaho FallsAuto Owners$4715
KetchumAuto Owners$4315
LewistonAuto Owners$4215
MeridianAuto Owners$5215
MoscowAuto Owners$4415
Mountain HomeAuto Owners$4015
NampaAuto Owners$4815
PocatelloAuto Owners$4515
Post FallsState Farm$3646
RexburgAuto Owners$4415
SandpointState Farm$3646
Twin FallsAuto Owners$4015

How to Find the Best Car Insurance in Idaho

Follow these steps to find the best car insurance in Idaho.

  1. 1

    Assess Your Coverage Needs

    Start by evaluating your specific insurance requirements based on your driving habits, vehicle value and financial circumstances in Idaho. High-risk areas like Boise may require enhanced liability coverage due to increased accident rates and medical expenses. Use our car insurance needs calculator to determine appropriate coverage levels, then consult with an independent agent for personalized recommendations.

  2. 2

    Study Idaho Insurance Pricing

    Understanding the average car insurance costs for your demographic helps establish realistic price expectations when shopping. Research which companies typically offer the most competitive rates by reviewing our guide to the cheapest auto insurance provider options. Make note of available discounts like safe driver, multi-policy or good student savings that could reduce your premiums.

  3. 3

    Evaluate Company Reliability

    Beyond price comparisons, research insurer financial stability and customer satisfaction through A.M. Best ratings, NAIC complaint data and J.D. Power surveys. Review vehicle coverage options each company offers, including add-ons like roadside assistance or rental car coverage. Check Trustpilot reviews to understand real customer experiences with claims processing and service quality.

  4. 4

    Gather Multiple Price Quotes

    Request quotes from at least five insurers using identical coverage specifications for accurate comparisons. Quote methods affect pricing, so gather estimates through comparison websites, independent agents, captive agents and direct from company websites. This multi-channel approach ensures you capture the full range of available rates and promotional offers in Idaho's insurance market.

  5. 5

    Review Annually for Savings

    Insurance rates change frequently due to market conditions, regulatory updates and company adjustments. Repeat your comparison shopping process each year at renewal to ensure you maintain the most competitive rate for your coverage needs.

  6. 6

    Maximize Available Discounts

    Idaho drivers can reduce premiums through various discount programs including safe driving records, defensive driving courses, vehicle safety features and bundling policies. Contact insurers directly to verify eligibility for discounts that may not appear automatically in online quotes, as some require manual application or documentation.

  7. 7

    Understand Idaho Requirements

    Idaho mandates minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage. While meeting minimums keeps you legal, consider higher limits to protect your assets, especially if you own property or have significant savings that could be at risk in a serious accident.

Best Auto Insurance in Idaho: FAQ

Find answers to common questions about choosing car insurance in Idaho.

Who are the cheapest car insurance providers in Idaho?

Why is car insurance so expensive in Idaho?

How much is car insurance in Idaho on average?

How can I save money on car insurance in Idaho?

How much car insurance is required in Idaho?

Is unlimited PIP still worth it in Idaho?

Best Auto Insurance Idaho: Bottom Line

State Farm, Auto-Owners and Travelers offer Idaho's most affordable auto insurance across driver profiles. The best choice depends on your driving record, coverage needs and budget.

Compare rates from multiple insurers, check customer reviews and claims handling, then gather quotes to find your most cost-effective option.

Best Car Insurance in Idaho Chart

About Mark Fitzpatrick

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Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

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