Cheapest Car Insurance in Idaho

The three cheapest car insurance companies in Idaho across driver profiles are State Farm, GEICO, and Grange. State Farm has the lowest rates for minimum coverage and every violation category. GEICO is cheapest for full coverage with a clean record and leads nearly every city. Grange is the most affordable option for young drivers ages 18 to 25 and for anyone with poor credit.

We analyzed quotes from 11 companies across every Idaho ZIP code and driver profile to identify the cheapest insurers in Idaho:

The cheapest minimum coverage in Idaho is State Farm at $20/month. GEICO and American National are the next lowest priced at $23/month and $22/month. Given the small cost difference, we recommend State Farm as your best option due to the higher overall rating score.  

The cheapest full coverage is GEICO at $53/month, but State Farm is next lowest at $54/month.  Get quotes from both since the rates will vary by your exact Idaho zip code.

Most drivers in Idaho should buy full coverage, but it's not required in the staate.  It adds comprehensive and collision to your policy that protect your car from accidents, theft, weather damage, and vandalism. Minimum coverage only pays for damage you cause to others.  It's required in Idaho if you lease or finance your car.  See our Idaho car insurance calculator to see what you need.

GEICO is the most affordable option in every major Idaho city except Post Falls, where American National is cheapest at $55/month.

Lewiston is the lowest price city at $50/month. Boise is $54/month. The difference between the cheapest and most expensive city is just $6/month. This means where you live in Idaho has a minimal impact on your car insurance cost. 

What matters far more is which Idaho insurer you choose in your city. The difference between the cheapest and priciest insurer in the same city is $85/month, over $1,000 per year.

Middle-aged drivers pay the lowest car insurance rates in Idaho. Teens and young drivers pay up to three times more, and seniors pay about 10% more on average. If you're between 30 and 60 with a clean record, GEICO at $53/month and State Farm at $54/month are your two most affordable options.  Here are the cheapest rates by age in Idaho for full coverage:

State Farm is the most affordable option for 16-year-old girls on a family policy at $239/month. For boys at 16, Grange is cheapest at $256/month. Note these are rates for the full family policy. Grange is the most affordable option for boys at every age from 16 through 25 and for girls starting at age 18. By 25, Grange is the most affordable option for both genders. Girls pay $124/month and boys pay $127/month. 

It's hard to stick with one provider when the cheapest Idaho insurance changes by age. We recommend families with young drivers consider Grange for the lowest rates, but State Farm is a more dependable long-term choice with higher ratings and offers a strong student discount of up to 25%. Idaho families save 32% on average by keeping their young drivers on a family policy for as long as possible.

State Farm is the most affordable option for seniors at $63/month, just $9 above its standard adult full coverage rate of $54. Farm Bureau is second at $66/month. 

Re-shop at age 70 and again at 75. Senior premiums vary by age band across carriers and the most affordable option can shift as you get older. State Farm offers a senior driver discount for seniors who complete an approved defensive driving course. Farm Bureau offers a similar discount and also reduces rates for low-mileage drivers, which fits many retired Idaho drivers who aren't commuting daily.

Our analysis of the cheapest car insurance rates in Idaho after a violation:

• After a speeding ticket, State Farm at $58/month is the most affordable option, just $3/month more than its clean-record rate. Choosing State Farm saves $3/month vs. GEICO and up to $126/month vs. other Idaho providers.
• After an at-fault accident, State Farm at $62/month is the most affordable option. American National is second at $81/month. Choosing State Farm saves $19/month vs. American National and up to $137/month vs. other Idaho providers.
• After a DUI, State Farm at $58/month is the most affordable option and applies the smallest surcharge in this dataset. GEICO is the sharpest jump in the table, going from $53/month on a clean record to $157/month after a DUI, a 196% increase. If you currently have GEICO and pick up a DUI, switching to State Farm saves $99/month, nearly $1,200 per year.
• After a texting violation, State Farm at $58/month is again the most affordable option. GEICO is second at $61/month. Choosing State Farm saves $3/month vs. GEICO and up to $133/month vs. other Idaho providers.

Grange is the most affordable option for poor-credit drivers at $139/month. GEICO is second at $242/month, which is $103/month more. Choosing Grange saves $103 to $562/month compared to other Idaho providers for this profile. Drivers with poor credit should avoid State Farm, Allstate, and Farmers, which have the highest rates for this profile.

Credit scoring is legal in Idaho and insurers use it to set rates. The spread between carriers for poor credit is larger than for any other risk factor in this dataset. Improving your credit score is one of the highest-return long-term moves for Idaho drivers. The difference between poor and good credit full coverage rates statewide is $239/month.

The cheapest insurers in Idaho all offer attractive discounts to lower your rate further including: 

• State Farm offers Drive Safe and Save, a telematics program that tracks speed, braking, and time of day. Safe drivers can earn up to 50% off their premium. Bundling auto with home, boat, ATV, or other State Farm policies adds a 17% multi-policy discount, and insuring two or more vehicles saves up to 20%. Families with teens can stack the good student discount (B average or better) with the driver training discount for additional savings.
• GEICO offers more discount types than any other provider in this dataset. Military members on active duty, in the reserves, or retired can save up to 15%, and federal employees get up to 8% off through GEICO's Eagle discount program. Multi-vehicle policies save up to 25%, and homeowners get an additional discount just for owning a home. Drivers with five or more accident-free years qualify for up to 26% off, and full-time students with a 3.5 GPA or higher get up to 15% off.
• Grange offers OnTrack, a usage-based program that gives new policyholders a 10% discount at enrollment and up to 25% off at renewal for safe driving tracked by app. Vehicles with automatic emergency braking or blind-spot warning technology qualify for a safety discount. Paying your full annual premium upfront rather than monthly also qualifies for an additional discount.