The Cheapest Car Insurance in Idaho for 2022

MoneyGeek’s analysis determined that State Farm offers the most affordable car insurance rates for the average driver in Idaho. Several factors impact the cost of your premium, including age, driving history, credit score and coverage levels.

For instance, GEICO offers the lowest rates on average for drivers with poor credit. USAA is also an affordable option, but only military members and their families can purchase policies.

cheapestauto insuranceIdaho2022

The Cheapest Car Insurance in Idaho

Cheapest for minimum liability - State Farm

Cheapest for full coverage - State Farm

Cheapest for drivers with a DUI - State Farm

Cheapest for drivers with a ticket - State Farm

Cheapest for drivers with bad credit - GEICO

Cheapest for senior drivers - State Farm

Cheapest for student drivers - Allstate

Generally, the cheapest option for auto insurance in Idaho is a minimum liability only coverage policy. This only meets the state minimum liability requirements. Drivers looking for better protection should consider getting a policy with a higher coverage level.

MoneyGeek found that the cheapest minimum coverage car insurance options in Idaho are from:

• State Farm: $284 per year
• GEICO: $293 per year

USAA is the cheapest option and costs roughly $182 per year. However, it is only available to current and former military members.

Meanwhile, Idaho's most expensive car insurance company is American Family, with an average rate of $558 per year for a minimum coverage policy.

Cheapest Minimum Car Insurance in Idaho

These prices are only estimates based on rates for an average Idaho driver and should not be used to compare insurance prices.

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Full coverage policies with higher liability limits as well as comprehensive and collision insurance give policyholders protection against most road accidents and off-road accidents in Idaho. While it may cost more than the minimum coverage, it will cover expenses related to damages to your own vehicle. Compare quotes from different auto insurers to find the best policy.

MoneyGeek’s study showed that the cheapest full coverage car insurance companies in Idaho are:

• State Farm: $547 per year
• GEICO: $572 per year

USAA is the cheapest insurer for veterans at around $358 per year but is only available to current and former military personnel.

The most expensive car insurance company in Idaho for a similar policy is Progressive, costing $886 per year.

Cheapest Full Coverage Car Insurance in Idaho

Car insurance companies evaluate premiums based on individual circumstances, so your rate will not match these examples. These prices are based on a policy with comprehensive and collision coverage that allows you to claim up to $100.000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage per accident.

Most car insurance companies in Idaho have tools on their websites so drivers can get reasonably accurate quotes online. Compare quotes from multiple carriers to find the best policy.

• Use the same level of coverage when getting personalized quotes. That means if you ask for a quote from one insurer for comprehensive and collision insurance with a $500 deductible, use the same number with other insurers.
• MoneyGeek’s car insurance calculator allows you to get a general car insurance quote with ease simply by entering your ZIP code. However, drivers seeking a more personalized quote will be required to provide additional information.
• The cheapest car insurance companies for the average driver in Idaho are USAA, State Farm and GEICO. You can start your search for a policy by requesting a quote from these three companies.

Auto Insurance Calculator

State

Idaho

Age

40

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female

Add Student Driver

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$194

2.

GEICO

$288

3.

State Farm

$292

If you have a serious driving violation like a DUI in Idaho, you’ll likely have a more expensive car insurance rate. An average driver in Idaho with a clean record typically pays $745 per year. Drivers with a DUI pay an average of $1,144 per year.

For a full coverage policy, the cheapest car insurance companies if you have a DUI in Idaho are:

• State Farm: $599 per year
• American Family: $759 per year

USAA is the second most affordable option at an average of $711 per year, but it is only for current and former members of the military.

State Farm and USAA are the most affordable options for a full coverage policy whether you have a clean record or a DUI.

Average Car Insurance Rates With a DUI

Finding cheap car insurance with a DUI in Idaho can be difficult due to insurance companies taking on a higher level of risk when insuring drivers with this type of offense on their records. The state takes DUIs seriously; those convicted of driving under the influence face up to six months in jail, fines, fees and license suspension. Between 2009-2018, 612 people in Idaho died in fatal crashes involving drunk drivers. 1.4% of drivers in Idaho report driving after drinking too much within the last 30 days. If you have a DUI on your record, know that everyone makes mistakes and you can improve your situation with time and effort. The following table looks at the range of approximate costs for insurance in Idaho.

Insurance companies will generally increase your premiums after a DUI. However, over time, you can lower your rates as long as you drive safely. You can learn more about the real costs of a DUI by reviewing MoneyGeek’s comprehensive guide.

Safe drivers spend less money on car insurance. In Idaho, drivers with clean records pay an average of $745 per year. In comparison, if you have an at-fault accident on your driving record, your rate increases to $999 annually.

MoneyGeek compared car insurance policies in Idaho for drivers with at-fault accidents and found the most affordable providers and rates were, on average:

• State Farm: $651 per year
• American Family: $759 per year

If you belong to a military family, you can also purchase car insurance in Idaho from USAA for an average of $520 per year.

Cheapest Car Insurance With an At-Fault Accident

Minor driving violations, such as speeding tickets, can increase auto insurance rates in Idaho. The average cost of car insurance for Idaho drivers with a speeding ticket is $872, which is $127 more than the average annual cost for a driver with a clean record.

Based on average rates, the cheapest car insurance companies in Idaho for a driver with a speeding ticket and full coverage are:

• State Farm: $599 per year
• GEICO: $667 per year

USAA is the cheapest option at roughly $442 per year but is only for current and former military members.

USAA and State Farm offer the lowest rates for Idaho drivers with clean records and those who have speeding tickets.

Average Car Insurance Rates With a Ticket

Finding cheap car insurance with a ticket in Idaho may be more difficult, but it can be done. The high cost of distracted driving should not be underplayed, but individuals with tickets on their records can find financial relief if they change their ways. Review the table below to get a sense of approximate costs for auto insurance after getting a ticket.

The Idaho Division of Motor Vehicles uses a points-based system to track driving violations. Drivers can reduce the points on their license once every three years by participating in a defensive driving course or a traffic safety education course.

Bad credit scores can increase your auto insurance rates in Idaho. On average, Idaho drivers with low scores pay $1,237 per year. That is almost double the average annual rate for drivers with good credit, which is $745.

The cheapest car insurance companies drivers with poor credit scores and full coverage for Idaho are:

• GEICO: $898 per year
• State Farm: $1,001 per year

USAA is the most affordable option at around $590 per year. However, it is only for current and former military members.

USAA offers the most affordable rates regardless of credit score. GEICO offers lower rates for drivers with bad credit in Idaho than State Farm, the second most affordable option for drivers with good scores.

Average Car Insurance Rates for Drivers With Bad Credit

Some Idaho auto insurance companies penalize individuals with low credit scores as they are seen as a higher risk to insure. The good news is that insurance companies tend to weigh credit scores differently when creating premiums, making it important for consumers to shop around for the best price. Experian identifies any score above 670 as “good.” As of 2018, Idahoans maintained an average statewide credit score of 711. The following table looks at how approximate costs for car insurance with bad credit can vary by company.

Low credit scores can be a nuisance in many situations. Fortunately, there is a lot you can do to improve your credit score. It may take some patience and discipline, but know that it can absolutely be done.

Senior drivers in Idaho tend to have slightly higher auto insurance rates than young adults and middle-aged drivers in the state. Senior drivers in Idaho typically pay around $794 annually. That is $49 more than the annual rate for a 40-year-old driver.

The cheapest car insurance companies in Idaho for senior drivers with full coverage are:

• State Farm: $541 per year
• GEICO: $609 per year

USAA is the cheapest option at roughly $407 per year, but it is only for current and former military personnel.

While annual rates for auto insurance are slightly higher for senior drivers in Idaho, USAA and State Farm are still the cheapest options for full coverage insurance.

Average Car Insurance Rates for Seniors

Cheap car insurance for seniors in Idaho can easily be found, provided these older drivers meet specific requirements for their age group. Because drivers aged 65 and older accounted for 19.9% of fatal crashes in 2017, auto insurers may assess this population as a higher risk than some other age groups. To negate these impacts, seniors should ensure they apply for the type of insurance befitting their stage of life. Make sure you include factors such as age, type of car and typical amount of driving when asking for a quote. Check out the following table to see how insurance rates vary for seniors in Idaho.

According to AAA, the Idaho DMV requires all drivers over the age of 63 to renew their license every four years. Once they reach the age of 70, residents must apply for renewal in person. Buying cheap car insurance as a senior can be done and MoneyGeek is here to ensure you get the best rates.

Insurance companies consider young drivers riskier to insure as they’re more prone to car accidents than older drivers who have years of experience.

Car insurance providers charge 16-year-old drivers an average of $2,290 per year for car insurance, while a 25-year-old only pays an average of $847 annually. For drivers between the ages of 16 and 25, State Farm is the most affordable provider.

Annual Car Insurance In Idaho for Young Drivers

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• Age
  Average Cost
  Cheapest Company
  Company Cost
• 16
  $2,290
  Allstate
  $1,647
• 17
  $2,175
  Allstate
  $1,481
• 18
  $2,041
  Allstate
  $1,310
• 19
  $1,669
  State Farm
  $1,270
• 20
  $1,469
  State Farm
  $1,113
• 21
  $1,184
  State Farm
  $959
• 22
  $1,126
  State Farm
  $862
• 23
  $979
  GEICO
  $693
• 24
  $926
  GEICO
  $662
• 25
  $847
  State Farm
  $620

Show more

Drivers aged 21 or below must hold minimum mandatory insurance as required by Idaho law. By agreeing to a higher deductible with the insurance company, younger drivers (or their parents) may be able to keep their auto insurance premiums reasonably low.

Out-of-state college students are not required to get an Idaho driver's license, but they must meet the state's minimum car insurance requirements. Many insurance companies offer discounts to students who maintain good college grades. Students can also stay on their parents' policies if they live at home. The Idaho Department of Insurance advises college drivers to:

• Tell the insurance company in writing if a car will be driven in another state for more than 30 days per year.
• Think twice about letting friends borrow the car. The owner remains liable for any accidents.

Idaho auto insurance companies typically charge higher premiums for young drivers due to this population possessing less driving experience. The Idaho Transportation Department’s 2017 Traffic Crashes Report found that drivers aged 19 and younger were twice as likely to be involved in a crash resulting in injuries or fatalities when compared to other age groups. You can review the table above to see how approximate costs add up for insuring high school and college drivers in Idaho. MoneyGeek also analyzed which companies are coming out on top of the cheapest companies for 19-year-old drivers.

When shopping for auto insurance in Idaho, veterans and those on active duty should look for discounts available specifically to them. Many insurance companies offer reduced rates and some work exclusively with military families and vets.

Idaho has more than 10,000 active, reserve and civilian-military personnel living in the state but does not grant extensions on vehicle registration while military members are deployed. Be sure to renew by sending the registration fees to the assessor's office in your county.

Average Rates for Idaho service members

25 years$947
50 years$737

25 years$1,026
50 years$728

Idaho law requires all car and truck owners to carry liability coverage, along with uninsured and underinsured motorist insurance. The only alternative is to post a bond with the DMV (more on this shortly).

Proof of Insurance in Idaho

Idaho drivers must provide proof of insurance before registering a vehicle with the DMV. In addition, drivers must show proof of insurance:

• When stopped by a police officer
• After an accident involving injury, death or property damage of $1,500 or more

In Idaho, you can store a copy of your insurance card on a cell phone and display it as proof of insurance when asked.

Minimum Liability Insurance Requirements in Idaho

Idaho law requires the following minimum liability coverage:

• $25,000 for injuries to one person in an accident
• $50,000 for injuries per accident
• $15,000 for property damage

Idaho law also requires all auto insurance policies to include uninsured and underinsured motorist coverage, which helps you cover costs if you're in an accident with someone who has no insurance.

The state requires uninsured/underinsured motorist insurance of $25,000 per person and $50,000 per accident unless you sign a form stating that you reject this coverage.

Alternatives to Insurance in Idaho

As an alternative to buying auto insurance, you can leave a $50,000 deposit or bond per vehicle with the state. However, if the accident costs more than that and you're at fault, you'll be liable for the difference.

How Much Coverage Do You Need in Idaho?

The Idaho Department of Insurance cautions that the minimum state requirements for auto insurance coverage may not adequately cover all drivers.

Industry experts suggest purchasing 10 times the state-required minimum liability insurance coverage — or at least $100,000 per injury and $300,000 per accident.

If your car is new or valuable, you may want to get collision and comprehensive insurance. Collision will help pay to repair or replace your car if you're in a crash. Comprehensive coverage protects against damage from storms, fire, theft and natural disasters, such as tornadoes. If you buy a new car on financing, the lender will probably require you to carry both types of insurance.

Cheapest Car Insurance in Idaho by City

In Idaho, location is a factor that affects the cost of car insurance significantly. Drivers in Boise, the city with the largest population, typically pay $745 per year for full coverage car insurance. If you live in a different area, your rate may be different.

To get more information about car insurance rates specific to your area, you can click on your city.

Average Insurance Rate by City in Idaho

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• City
  Annually
  Monthly
• 1.
  Boise
  $745
  $62

When looking for car insurance in Idaho, drivers should take various factors into consideration. Among the most common questions are centered around the cost of car insurance and how much coverage level is appropriate.

About the Author

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Katy McWhirter is a professional writer and owner of Heritage Creatives, a boutique historical branding agency. She has experience in nonprofit management, marketing, personal finance, government relations and education from her decade-plus writing career. Katy’s work has been featured in both the United States and abroad, highlighting the need for research-driven, accessible information on financial topics.

Katy earned her bachelor’s degree in social entrepreneurship from Belmont University in Nashville, Tennessee, and her master’s degree in modern history from the University of York in England. She spends her free time with her husband and two cats, restoring their 1901 home in Louisville and reading up on all things personal finance.

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