Cheapest Car Insurance in Idaho

GEICO offers Idaho's cheapest full coverage car insurance at $614 per year, which comes out to approximately $51 per month and is 37% cheaper than what most drivers in the state pay. State Farm follows at $647 a year, only $33 more than GEICO. American National P&C ranks third at $721 a year, followed by Auto-Owners at $779 and Grange at $815 yearly.

State Farm offers Idaho's cheapest minimum coverage car insurance at $210 a year, which works out to about $18 a month and sits 52% cheaper than the state average. Farm Bureau charges $310 a year for the same required coverage, meaning choosing State Farm saves $100 a year. Grange costs $262 annually, GEICO charges $272 and American National P&C comes in at $284.

GEICO offers the cheapest rates in many of Idaho's largest cities, including Boise, Caldwell, Idaho Falls, Meridian, Nampa and Pocatello. State Farm has the lowest prices in Lewiston, Post Falls, Rexburg and Twin Falls. American National P&C offers the best rates in Coeur d'Alene.

In Boise, GEICO charges $27 a month for minimum coverage and $54 a month for full coverage, both about 40% below the city average. Lewiston drivers benefit from State Farm's competitive pricing at $17 a month for minimum coverage and $53 a month for full coverage.

Idaho Farm Bureau offers Idaho's cheapest full coverage car insurance for teens at $81 monthly for 16-year-olds, keeping the lowest price at age 17 at $80 a month. American National P&C becomes the most affordable option at age 18 with a $74 monthly rate and continues offering the best pricing for young adults through age 25.

American National P&C charges $63 a month for 19-year-olds, $54 a month at age 20 and $30 a month at age 25. The difference between ages 16 and 25 adds up to $612 in yearly savings. Teens under 18 need a parent or guardian to cosign a policy, so most families add teen drivers to an existing plan instead of buying separate coverage.

Note: Teen driver insurance rules vary from state to state. If you're unsure about the requirements in your area, reach out to a licensed insurance agent who can explain age limits, consent rules and the coverage levels new drivers must meet.

American National P&C offers Idaho's cheapest minimum coverage car insurance for seniors at age 65, charging $26 a month for minimum coverage and $27 for full coverage. State Farm offers 70-year-olds the same $26 monthly rate for minimum coverage and $60 a month for full coverage.

Idaho Farm Bureau has the best prices for 80-year-olds at $32 a month for minimum coverage and $70 a month for full coverage. Minimum coverage only goes up about $6 a month from ages 65 to 80. Across these senior age groups, all three companies offer prices that are 38% to 60% below Idaho's average.

State Farm offers Idaho's cheapest minimum coverage car insurance for drivers with a DUI at $19 a month, which is 61% below Idaho's average. American National P&C follows at $36 a month.

For full coverage, State Farm also leads at $58 a month, while American National P&C costs $91 a month. Grange charges $40 a month for minimum coverage and $124 for full coverage. Travelers costs $57 a month for minimum coverage and $121 for full coverage, while Farmers charges $59 a month for minimum coverage and $122 for full coverage.

American National P&C and State Farm tie for Idaho's cheapest SR-22 insurance at $35 a month for minimum coverage. American National P&C also has the cheapest full coverage with an SR-22 at $78 a month, which is 39% below the state average.

GEICO charges $38 a month for minimum coverage and $80 a month for full coverage with an SR-22. Idaho Farm Bureau costs $45 a month for minimum coverage and $102 for full coverage, while Grange charges $46 a month for minimum coverage and $105 for full coverage.

State Farm offers Idaho's cheapest non-owner car insurance at $33 a month, sitting 35% under the state average. This policy works well for people who need proof of insurance without owning a car.

Non-owner policies help with license reinstatement after a suspension, SR-22 requirements or frequent car rentals. These policies cost less than standard auto insurance because they only include liability coverage, which pays for damage you cause to others, not damage to a specific vehicle. Auto-Owners charges $35 a month for non-owner coverage, while GEICO costs $52 a month.

State Farm offers Idaho's cheapest minimum coverage car insurance after an at-fault accident at $21 a month, sitting 51% lower than Idaho's average. It also offers the cheapest full coverage at $62 a month. American National P&C and Farm Bureau both charge $32 a month for minimum coverage after an accident, while GEICO costs $40 a month. Grange tops out at $90 a month for full coverage. An at-fault accident can raise your premiums by 20% to 40%, and these higher rates usually stay in place for three to five years.

State Farm offers Idaho's cheapest minimum coverage car insurance for drivers with a speeding ticket at $19 a month, which comes to $228 a year and also has the lowest full coverage rate at $58 a month. GEICO follows at $61 a month for full coverage, while Farm Bureau and American National P&C both charge $69 a month. Auto-Owners ranks fifth at $67 a month for full coverage with a speeding ticket, and the difference between State Farm and Auto-Owners adds up to $108 in yearly savings.

Grange offers Idaho's cheapest minimum coverage car insurance for drivers with bad credit at $676 a year, or about $56 a month. For full coverage, Grange also has the lowest rate at $120 a month, giving drivers $55 in monthly savings compared to American National P&C, which charges $175. That gap adds up to $660 in yearly savings, a meaningful difference for low-income drivers.

American National P&C costs $67 a month for minimum coverage and $175 for full coverage. GEICO charges $81 a month for minimum coverage and $196 for full coverage, while Farm Bureau has minimum coverage at $88 a month and full coverage at $232.

Your location, driving record, age and credit score all influence your Idaho car insurance rates. State Farm offers the lowest minimum coverage at $210 a year, while GEICO’s full coverage averages $614 yearly. Comparing quotes and using available discounts can help you cut your yearly costs by a lot.

If you're searching for cheaper auto coverage in Idaho, these expert-answered questions can help you understand your options.

Our Research Approach

Idaho's car insurance market presents unique challenges. Rates vary between Boise's urban corridors and rural mountain communities, and your coverage choices matter more in a state with low minimum requirements. 

Wildlife collisions, harsh winter weather and isolated roads create risks that generic coverage often misses. Our research identifies which insurers offer the lowest rates across Idaho's diverse landscape while providing the financial protection you actually need.

We collected auto insurance data from the Idaho Department of Insurance and Quadrant Information Services, analyzing quotes from 12 major insurers and reviewing more than 200 million rate comparisons across every residential ZIP code in Idaho.

Sample Driver Profile

Our baseline rates use a 40-year-old driver with good credit and a clean driving record. This profile represents typical Idaho drivers without violations or poor credit that increase premiums. You'll see base rates here. Your personal quote will adjust based on your specific driving history, credit and location.

Coverage Levels We Compared

We analyzed two coverage scenarios:

Minimum coverage: Idaho's required liability limits of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $15,000 per accident for property damage (25/50/15). This meets legal requirements but often falls short in serious accidents.

Full coverage: Liability limits of $100,000/$300,000/$100,000 plus comprehensive and collision coverage with a $1,000 deductible. You're covered for damage you cause to others and repairs to your own vehicle.

Location Affects Your Rate

Idaho rates vary by region. Drivers in Boise pay different amounts than those in Idaho Falls or Coeur d'Alene for identical coverage. Our ZIP code analysis reveals where drivers overpay because of geography alone.

For more information, see the detailed methodology here.