Cheapest Car Insurance in Idaho (2026)

State Farm has the cheapest car insurance in Idaho for minimum coverage at $18 a month, $58 to $62 a month after any driving violation and $63 a month for 65-year-old drivers. State Farm is also the most affordable across all violation categories and for seniors. MoneyGeek scores State Farm 4.5/5, the highest rating among Idaho insurers we analyzed, making it a great option for families with teens, young adults, and seniors, or anyone who prefers to speak with a local agent about their policy.

GEICO is $1 cheaper for full coverage at $53, but only with a clean driving record. After a speeding ticket, GEICO costs $61 a month, and State Farm costs $58. After a DUI, GEICO costs $157, and State Farm still costs $58, so choosing State Farm over GEICO saves you $1,188 a year, but get a GEICO quote too, since every insurer checks your driving record before it accepts you after a DUI.

For drivers with bad credit, choose Grange Insurance at $139 monthly for full coverage through an independent local agent instead, and avoid State Farm, which costs more for drivers with poor credit than any other Idaho insurer MoneyGeek analyzed.

The cheapest car insurance by coverage type in Idaho is State Farm for minimum coverage at $18/month, $4 less than American National ($22) and $5 less than GEICO ($23). State Farm is the second-cheapest for full coverage at $54 a month, but its comprehensive and collision policies are worth it for vehicles worth $3,600 or more; if your vehicle is worth less than that, the insurer’s minimum coverage, at $432 a year, is the right pick for you.

GEICO is the overall cheapest for full coverage at $53 a month, $1 less than State Farm’s $54, but it lacks the additional coverage State Farm offers including a claims agent to speak with after an an at-fault accident, and you need to file a comprehensive claim, which pays if you hit an animal, the top cause of single-car crashes in Idaho at 23% in 2025.

Use MoneyGeek’s Idaho car insurance calculator and the table below to find the cheapest premium and the best coverage that matches your car insurance needs.

GEICO has the cheapest car insurance in nine of the 10 cities in Idaho, averaging $50 to $56 a month for full coverage. The one exception is Post Falls, where American National costs the least at $55 a month.

Surprisingly, Boise had 3,418 crashes in 2025, more than any other city in Idaho, the lowest rates are offered by GEICO at $54 a month for full coverage, just $4 more than in Lewiston, and $1-2 less expensive than smaller towns like, Idaho Falls ($55), Post Falls ($55), and Coeur d’Alene ($56).

The most GEICO charges in any city we listed is $56, so if you have a clean driving record and pay more than $56 a month, get new quotes before your next renewal. Start with GEICO, since a free quote shows whether you can pay less for the same full coverage, which still pays to fix your car after a crash or after hitting an elk.

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:

The cheapest car insurance in Idaho for young drivers on a family policy is State Farm for a 16-year-old female ($239/month) and Grange Insurance for a 16-year-old male ($256). Grange Insurance is the cheapest for most teen males from ages 16 to 25, and becomes the cheapest for a female at 18, so get a Grange Insurance quote before her 18th birthday.

By 25, Grange Insurance costs the least for both young drivers. It’s hard to stick with one insurer when the cheapest one changes as your child grows up, since the cheapest company switches at different birthdays. Additionally, keeping your child on your policy is not always the best option; often, between ages 20 and 25, individual policies are cheaper than family policies. Either way, keep your child on your family policy as long as you can.

Grange Insurance’s low prices come with more complaints per policy than most of Idaho’s top insurers and it only sells through independent agents, so if you’d rather stay with State Farm, which has local agents and Idaho’s highest MoneyGeek score (4.5 out of 5), ask about its good student discount of up to 25% for a teen with a B average or better.

State Farm has the cheapest car insurance for seniors in Idaho at $63 a month for full coverage, only $9 more than it charges a 40-year-old, so turning 65 in Idaho does not raise your premiums like some states. We recommend starting with a State Farm quote, especially if you prefer having local agents to help you with claims. If you have GEICO because it's the cheapest insurer in the state for adult drivers, get new quotes from State Farm when you turn 65.

Farm Bureau is the next cheapest at $66 a month and gives a discount if you drive fewer miles, but you have to join the Idaho Farm Bureau and pay the membership fee ($50-$72 yearly, depending on your county) to buy a policy. 

With that yearly fee, Farm Bureau beats State Farm only if its low-mileage discount takes $7 to $9 a month off your current price, though members also get car discounts like 15% off most Jiffy Lube services.

State Farm offers the cheapest car insurance in Idaho for drivers with violations, at $58 a month for full coverage after a speeding ticket, a texting violation, or a DUI, and $62 a month after an at-fault accident. That’s only $4 to $8 more than State Farm’s clean-record price of $54, while every other insurer MoneyGeek analyzed increases its price more after a DUI or an at-fault accident.

If State Farm turns you down after a DUI, American National is your next best choice at $91 a month, which is $66 less than GEICO’s at $157. American National is also the second-cheapest after an at-fault accident, at $81 per month.

Grange Insurance is the cheapest car insurance for drivers with bad credit in Idaho at $139 a month for full coverage, which is $103 less than GEICO, the next cheapest at $242. Poor credit raises the average Idaho driver’s full coverage price by $239 a month, more than a DUI does at $55, so the insurer you choose matters more here than for any other driver profile.

For drivers with poor credit, avoid State Farm, Allstate and Farmers, which charge the most. State Farm is the cheapest insurer for most Idaho drivers, but with poor credit, it charges $701 a month, $562 more than Grange Insurance, or $6,744 a year.

Keep in mind that credit scoring is legal in Idaho and insurers use it to set rates, so prices change more from one insurer to the next than in any other situation MoneyGeek checked. 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.

In Idaho, the best car insurance discount is offered by State Farm, its Bundle & Save discount rewards homeowners for combining their auto and home insurance policies with savings of up to $621 per year, bringing its monthly rate down from $194 to $142.

For young drivers in Idaho, Grange offers a telematics program called OnTrack that can save up to $210 per year. Grange’s OnTrack measures how much your teen drives, hard brakes and quick accelerations, if your teen drives late at night or during rush hour on busy highways.

If you have more than one car that needs to be insured, or are adding your child to your policy, GEICO’s multi-car policy can save you up to $159 per vehicle annually. Stack that on top of its Clean Driving Record Discount of up to 25%, and you save up to $140 just for your child not getting into an accident.

• State Farm offers Drive Safe and Save, a telematics program that tracks speed, braking, and fast cornering. Safe drivers can earn up to $194 a year, 30% off their premiums. Bundling auto with home, boat, ATV, or other State Farm policies gets up to a 27% multi-policy discount, which can add up to $621 a year. Insuring two or more vehicles saves up to 20%, or up to $130 a year, for each car. 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. Military members on active duty, in the reserves, or retired can take up to 15% off, worth up to $05 a year on GEICO’s $53 monthly full coverage price, and federal employees at GS-7 and above may qualify for GEICO's Eagle Discount program. Add a second car to your GEICO policy, and each one can cost up to $159 less every year, while homeowners get an additional discount just for owning a home. One accident-free year can take up to $140 a year off GEICO’s monthly $53 price, and full-time students with a B average or better get up to 15% off.
• Grange offers OnTrack, a usage-based program where new policyholders get $84 off their first year and safe drivers can save as much as $210 a year at renewal for safe driving tracked by the 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 you for an additional discount.