State Farm ranks as Idaho's best car insurance company, earning a MoneyGeek score of 4.49 out of 5 for its strong mix of affordable rates and reliable service. We also suggest considering Auto-Owners, GEICO, American National and Travelers.
Best Car Insurance in Idaho
Updated: August 26, 2025
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Key Takeaways
The best overall car insurance provider in Idaho is State Farm, ranking first in affordability.
State Farm offers the best car insurance for senior drivers in Idaho, while Travelers is the top choice for drivers with bad credit.
To find the best car insurance in Idaho, decide on your coverage needs first, research provider costs and compare plenty of quotes before making your choice.
Best Car Insurance Companies in Idaho
| State Farm | 4.49 | $37 | 4 | 6 |
| Auto-Owners | 4.49 | $53 | 1 | 5 |
| GEICO | 4.34 | $41 | 5 | 6 |
| American National | 4.28 | $39 | 9 | 6 |
| Travelers | 4.24 | $62 | 2 | 4 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Idaho by Driver Profile
Auto-Owners leads the Idaho market by offering the cheapest rates in five out of ten driver categories. State Farm wins three categories including senior drivers, while Travelers provides the best rates for drivers with bad credit and newer cars.
| Young Drivers | Auto-Owners | 4 | 1 | 5 |
| Adult Drivers | Auto-Owners | 6 | 1 | 5 |
| Senior Drivers | State Farm | 1 | 4 | 6 |
| Drivers With an Accident | State Farm | 1 | 4 | 6 |
| Drivers With a DUI | State Farm | 1 | 4 | 6 |
| Drivers With a Speeding Ticket | Auto-Owners | 5 | 1 | 5 |
| Drivers With Bad Credit | Travelers | 4 | 2 | 4 |
| Drivers With Low Income | Auto-Owners | 3 | 1 | 5 |
| Drivers With Newer Cars | Travelers | 4 | 2 | 4 |
| Drivers With Old Cars | Auto-Owners | 3 | 1 | 5 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Idaho Car Insurance Recommendations
Our general recommendations might not match your unique profile. Compare these top five providers to find coverage that fits your specific needs.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Grange Insurance | 4.49 | $148 | 9 | 2 |
| Travelers | 4.41 | $262 | 2 | 4 |
| Auto-Owners | 4.35 | $300 | 1 | 5 |
| Farm Bureau | 4.04 | $287 | 3 | 7 |
| American National | 3.92 | $277 | 9 | 6 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Idaho Car Insurance Reviews
See our detailed service comparisons below for each top-rated insurance category.
State Farm
Best Cheap Overall in Idaho
MoneyGeek Rating
4.5/ of 5
5/5Affordability
4/5Customer Experience
2.9/5Coverage Options
Average Monthly Full Coverage Cost
$56For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$18For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Drive Safe & Save Program
Auto-Owners
Best Customer Experience and Coverage Options in Idaho
MoneyGeek Rating
4.5/ of 5
4.4/5Affordability
5/5Customer Experience
3.4/5Coverage Options
Average Monthly Full Coverage Cost
$73For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$33For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
True Blue Auto Coverage
How to Find the Best Car Insurance in Idaho
Shopping for car insurance in Idaho isn't easy. Our guide helps you find coverage that fits your needs and budget.
- 1
Decide on coverage needs before you buy
Find what coverage you need. Consider your driving habits, location and finances when deciding how much insurance you need while meeting Idaho required minimums.
- 2
Research average costs and discounts you may qualify for
Research average car insurance costs in Idaho and consider home and auto insurance bundles, telematics programs and good student discounts. Taking a state-approved defensive driving program can decrease premiums.
- 3
Look through provider customer experiences and coverage options thoroughly
Review customer reviews, coverage options and add-ons to ensure they match your specific needs.
- 4
Consider non-standard coverage options
Look into specialized options like non-owner car insurance and pay-per-mile policies that might better suit your situation. If you need an SR-22 in Idaho, factor this into your provider selection.
- 5
Compare plenty of quotes through multiple means
Shop around to find the cheapest option possible. Get quotes from independent agents, direct from insurers and comparison websites to find the best rates.
- 6
Reassess annually
Review your coverage and shop for new quotes each year to find the best possible rate.
Best Idaho Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. State Farm is the top-rated company overall, while Auto-Owners and GEICO are also good options for drivers in Idaho.
Best Auto Insurance in Idaho: FAQ
Car insurance needs vary by driver, so we've answered common questions to help you find coverage that matches your situation and budget.
What is the best car insurance company in Idaho?
State Farm stands as Idaho's leading auto insurance provider, earning a MoneyGeek score of 4.49 out of 5 and offering full coverage at an average monthly rate of $56.
What is the best car insurance company for minimum coverage in Idaho?
State Farm leads for minimum coverage in Idaho with an average rate as low as $212 per year.
What is the best car insurance in Idaho for young drivers?
Auto-Owners provides the best insurance for young adults in Idaho, combining competitive rates at $862 annually with excellent customer service and comprehensive coverage options.
What is the best car insurance for Idaho drivers who value customer service?
Auto-Owners ranks highest for customer experience in Idaho with a 5 out of 5 score. The company excels in their purchase experience, agent interactions, digital tools and claims handling processes.
What is the best car insurance in Idaho if you have driving offenses?
State Farm is best for Idaho drivers with violations, offering monthly rates of $20 for minimum coverage and $63 for full coverage auto insurance policies.
How We Rated the Best Car Insurance in Idaho
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Idaho. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Idaho. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Idaho-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.