State Farm leads Idaho's insurance market with the lowest rates: $18 monthly for minimum coverage and $56 for full coverage. You'll save $24 each month (39%) compared to state averages. Get quotes from American National, GEICO, Grange and Farm Bureau too.
Cheapest Car Insurance in Idaho
Updated: August 13, 2025
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Key Takeaways
State Farm, American National and GEICO are the cheapest car insurance companies in Idaho, with State Farm offering rates 39% below the state average.
Car insurance costs in Idaho start at $15 monthly for minimum coverage and $29 monthly for full coverage policies.
To find affordable car insurance in Idaho, research costs and top companies, use available discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Idaho?
| State Farm | $18 | $56 | -39% |
| American National | $22 | $56 | -35% |
| Geico | $25 | $57 | -32% |
| Grange Insurance | $24 | $73 | -20% |
| Farm Bureau | $27 | $73 | -17% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN IDAHO
We've created additional guides below to help you in your search for the best and cheapest car insurance in Idaho:
Best Car Insurance Rates by Category in Idaho
State Farm offers the cheapest car insurance rates for seven out of 10 driver categories in Idaho, making it the most affordable option for most residents. Grange, American National and GEICO each provide the lowest rates for one specific driver category, showing they're worth considering for certain situations. Find your specific rates in the table:
| Young Drivers | State Farm | $42 |
| Adult Drivers | State Farm | $18 |
| Senior Drivers | State Farm | $23 |
| Drivers With An Accident | State Farm | $21 |
| Drivers With A DUI | State Farm | $19 |
| Drivers With A Speeding Ticket | State Farm | $19 |
| Drivers With Bad Credit | Grange Insurance | $70 |
| Drivers With Low Income | American National | $46 |
| Drivers With Newer Cars | Geico | $29 |
| Drivers With Old Cars | State Farm | $15 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Idaho for You
The tables above show overall winners, but your cheapest option depends on your situation. For example, Grange offers the lowest rates at $148 monthly for drivers with poor credit and an accident who want 100/300/100 coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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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 | $148 | $1,773 | -58% |
| Travelers | $262 | $3,142 | -25% |
| American National | $277 | $3,320 | -21% |
| Farm Bureau | $287 | $3,440 | -18% |
| Auto Owners | $300 | $3,604 | -14% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Idaho by City
Where you live in Idaho affects your insurance costs based on local crime, accidents and traffic density. State Farm charges as little as $18 in Aberdeen but costs vary across cities. Here are the cheapest providers for every Idaho city:
Data filtered by:Results filtered by:
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City:Aberdeen
| Aberdeen | State Farm | $18 | -38% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
How to Get the Cheapest Car Insurance in Idaho
Finding affordable insurance quotes is just the first step to reducing your car insurance costs in Idaho. Check out these proven ways to save the most on auto insurance.
- 1
Compare multiple providers through various means
Compare quotes from multiple providers on our list, since our estimates may vary from provider-provided pricing. Your quotes will also vary depending on your method of getting them, such as captive agents, independent agents, comparison sites and provider websites.
- 2
Decide on your coverage needs before buying
Knowing what coverage you need helps you avoid paying for unnecessary add-ons while ensuring adequate financial protection.
- 3
Choose to get a lower coverage amount if appropriate
Depending on how much car insurance you need and what you can afford, lowering your coverage level and deductibles if you want full coverage can save you money. However, evaluate your risk based on your finances, driving habits, where you live and even your vehicle before doing this.
- 4
Research costs and take advantage of discounts
Researching average auto insurance costs for your specific profile gives you a measuring stick for how much you'll be saving. Look also into discounts you qualify for and compare home and auto insurance bundle prices and other policy type combinations to get the best deal.
- 5
Consider auto insurance alternatives
Traditional auto insurance isn't your only option; alternative policies exist. For example, pay-per-mile car insurance charges are based on how much you drive, and telematics insurance tracks driving behaviors to determine your pricing or provide a discount if it's just a separate program. Also, look into your automaker's insurance program if it has one to see if you can get lower rates than with a regular provider.
- 6
Improve your risk profile
Improving your credit and practicing safe driving habits can lead to lower rates overall, making car insurance and other insurance much more affordable.
- 7
Get a cheaper car to insure
If you're in the market, getting an older and cheaper car to insure will save you money on your coverage. Reliable cars also cost less to repair, which lowers your insurance rates.
Risks of Getting the Cheapest Car Insurance in Idaho
Idaho requires drivers to carry liability insurance with minimum coverage of 25/50/15. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $15,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Idaho, average property damage claims hit $4,300 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Idaho gets hit with severe weather that damages cars regularly. The National Centers for Environmental Information reports weather-related property damage averaged $3,200 per incident in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against severe storms, hail and flooding that frequently hit Idaho.
Bodily injury damage is more likely to be higher than the minimum limits
Idaho's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. The Insurance Information Institute reports average bodily injury claims in Idaho reached $22,000 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
Idaho has a serious uninsured driver problem, with 8% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Idaho, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it to protect against theft and vandalism.
Cheap Car Insurance in Idaho: Bottom Line
State Farm offers the lowest car insurance rates in Idaho for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Idaho: FAQ
Below, we answer common questions about affordable car insurance in Idaho to help you find the right coverage.
What are the cheapest car insurance companies in Idaho?
State Farm provides the most affordable car insurance in Idaho, with average annual rates of $216 for minimum coverage and $672 for full coverage. American National, GEICO, Grange and Farm Bureau also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Idaho?
State Farm provides the most affordable rates for young drivers in Idaho, with monthly premiums starting at $42 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Idaho?
Senior drivers in Idaho can find the most competitive rates with State Farm, offering policies for those 65 and older at an average of $23 per month for minimum coverage.
Who has the cheapest car insurance in Idaho for bad credit?
Grange provides the most affordable rates for bad-credit drivers in Idaho, with monthly premiums averaging $70 for minimum coverage.
Who has the cheapest car insurance in Idaho with an accident?
State Farm offers the most affordable car insurance rates for Idaho drivers with an accident history, starting at $21 per month for minimum coverage.
Who has the cheapest car insurance in Idaho with a DUI?
State Farm provides the cheapest car insurance after a DUI in Idaho, with rates of $19 monthly for minimum coverage and $59 monthly for full coverage.
Who has the cheapest car insurance in Idaho for those with a speeding ticket?
Idaho drivers with a speeding ticket can find the lowest insurance rates with State Farm, charging $19 monthly for minimum coverage and $59 for full coverage.
Should you buy the cheapest car insurance in Idaho?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. State Farm balances low prices with solid coverage options in Idaho.
How We Found the Most Affordable Car Insurance in Idaho
MoneyGeek collected auto insurance data from the Idaho Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Idaho.
Idaho Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Idaho
We compared car insurance companies in Idaho that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Idaho.
The minimum coverage liability limits in Idaho are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $15,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
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.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 16, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 16, 2025.
- National Centers for Environmental Information . "Climate at a Glance: Statewide Time Series ." Accessed August 16, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 16, 2025.