The Cheapest Car Insurance in Idaho for 2022
State Farm offers the cheapest car insurance in Idaho, with a state-minimum coverage policy costing $240 per year.
MoneyGeek compiled Idaho car insurance quotes and found the lowest rates for various driver backgrounds. For instance, although State Farm is cheaper for most policyholders, GEICO is more affordable if you have bad credit. Idaho drivers could save up to $232 yearly by comparing rates from several providers.
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The Cheapest Car Insurance in Idaho
MoneyGeek has outlined the cheapest insurance providers in Idaho by city for drivers interested in more exact pricing based on where they live. If you're looking for a balance of price and customer service, MoneyGeek also assessed the best auto insurance providers in Idaho.
Why Trust MoneyGeek? Idaho car insurance rates in this study are based on our analysis of data and information from the Idaho Department of Insurance and Quadrant Information Services.
These rates were updated in September 2022 to reflect how car insurance rates in Idaho have changed up to this month.
Cheapest Minimum Liability Car Insurance in Idaho
Generally, the cheapest auto insurance in Idaho is a minimum liability-only coverage policy. This only meets the state's minimum car insurance requirements. Drivers looking for better protection should consider getting a policy with a higher coverage level.
MoneyGeek found that the cheapest car insurance companies in Idaho for minimum coverage are:
- State Farm: $240 per year
- GEICO: $248 per year
USAA is the cheapest option at roughly $154 per year. However, it is only available to current and former military members.
Meanwhile, Idaho's most expensive car insurer for a minimum coverage policy is American Family, with an average rate of $472 per year.
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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Cheapest Full Coverage Car Insurance in Idaho
In Idaho, a full coverage policy with higher liability limits and comprehensive collision insurance protects policyholders against accidents that occur on and off the road. 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 help you find the best policy.
MoneyGeek's study showed that the cheapest full coverage insurers in Idaho are:
- State Farm: $462 per year
- GEICO: $583 per year
USAA is the cheapest insurance provider at around $303 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 $748 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.
How to Compare Cheap Idaho Car Insurance Quotes Online
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.
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Cheapest Car Insurance in Idaho for Young Drivers
Insurance companies consider young drivers riskier to insure as they're more prone to car accidents than older drivers with years of experience.
Car insurance providers charge 16-year-old drivers an average of $1,935 per year for car insurance, while a 25-year-old only pays an average of $716 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
Initial rates for car insurance purchased by teenage drivers are relatively high. However, these rates typically decrease as the driver gets older and has more driving experience. In Idaho, the average cost for a 25-year-old driver is $1,219 less than for a 16-year-old driver.
A young driver might qualify for several insurance discounts if they earn good grades in school and complete a driving course. Moreover, comparing quotes is essential in finding cheap car insurance carriers in Idaho.
Cheapest Car Insurance in Idaho for Seniors
Senior drivers in Idaho tend to have slightly higher auto insurance rates than young adults and middle-aged drivers in the state. Senior drivers typically pay around $671 annually, $41 more than the annual rate for a 40-year-old driver in the state.
The cheapest car insurance companies in Idaho for senior drivers with a full coverage policy are:
- State Farm: $457 per year
- GEICO: $515 per year
USAA is the cheapest option at roughly $344 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 car insurance.
CHEAPEST CAR INSURANCE RATES FOR SENIORS
Finding affordable auto insurance for seniors in Idaho could take a lot of effort on the driver's part. However, it is still possible if they have never been involved in traffic violations. The cost of car insurance for seniors may vary depending on factors such as the type of vehicle driven, the annual mileage driven and a record of traffic violations.
Hearing or vision problems may also affect the cost of insurance. However, elderly individuals should frequently shop around for the most affordable rates. Seniors in Idaho could save up to $481 annually by comparing quotes.
Cheapest Car Insurance for Drivers With Tickets in Idaho
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 $737, which is $107 more than the average annual cost for a driver with a clean record.
Based on average rates, the cheapest car insurers in Idaho for a driver with a speeding ticket and full coverage are:
- State Farm: $506 per year
- GEICO: $564 per year
USAA is the cheapest option at roughly $374 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.
Cheapest Car Insurance for Drivers With a DUI in Idaho
You'll likely pay a higher insurance rate if you have a serious driving violation like a DUI in Idaho. You might also need to file an SR-22. An average driver in Idaho with a clean record typically pays $630 per year. Meanwhile, drivers with a DUI pay an average of $967 per year.
The cheapest full coverage car insurance companies if you have a DUI in Idaho are:
- State Farm: $506 per year
- American Family: $641 per year
USAA is the second-cheapest option at an average of $601 per year, but it is only for current and former military members.
State Farm and USAA charge the least for full coverage whether you have a clean record or a DUI.
AVERAGE CAR INSURANCE RATES WITH A DUI
Insurance providers in Idaho consider the increased risk when covering drivers with DUIs. Therefore, finding affordable auto insurance in the state can be challenging after a DUI conviction.
Although getting car insurance after a DUI could be more expensive, comparing rates from different providers may help you find the best possible rates. In addition, if you drive safely over time, you may be able to negotiate reduced rates for your auto insurance.
Cheapest in Idaho for Drivers With an At-Fault Accident
Safe drivers spend less money on car insurance. In Idaho, drivers with clean records pay an average of $630 per year. In comparison, if you have an at-fault accident on your driving record, your rate increases to $889 annually.
MoneyGeek compared car insurance policies in Idaho for drivers with at-fault accidents. We found that the most affordable providers are:
- State Farm: $550 per year
- American Family: $641 per year
If you belong to a military family, you can purchase car insurance in Idaho from USAA at an average of $439 per year.
CHEAPEST CAR INSURANCE WITH AN AT-FAULT ACCIDENT
Cheapest Car Insurance in Idaho for Drivers With Bad Credit
Bad credit scores can increase your auto insurance rates in Idaho. On average, Idaho drivers with low credit pay $1,052 per year. That is almost double the average annual rate of $630 for drivers with good credit.
The cheapest car insurance companies for a driver with poor credit and full coverage for Idaho are:
- GEICO: $759 per year
- State Farm: $846 per year
USAA is the most affordable option at around $499 per year. However, it is only for current and former military members.
USAA offers the most affordable rates regardless of credit score. GEICO provides lower rates for drivers with bad credit in Idaho than State Farm — the state's second most affordable option for drivers with good scores.
CHEAPEST CAR INSURANCE RATES FOR DRIVERS WITH BAD CREDIT
In Idaho, drivers with poor credit pay an average of $1,052 for car insurance. A good credit score could save you as much as $422 on your premiums. While having a bad credit score is not always indicative of a high-risk borrower, it may mean that you'll find it difficult to repay debts in the middle of other obligations. Therefore, individuals with poor credit often pay more for insurance.
Various factors influence quotes for auto insurance in Idaho. It is wise to compare insurers and choose the lowest prices. However, your priority should be raising your credit score. While it takes time to improve your credit rating, persistence and dedication can reap benefits beyond auto insurance.
Cheapest Car Insurance in Idaho for Military Drivers
In Idaho, the annual rates for USAA policyholders average around $154, making it the state's cheapest car insurer by $86. However, only current and former military members and their families are eligible to get USAA insurance.
- Average rate: $154 per year
- Ranks the cheapest out of nine insurers
Policyholders who qualify for USAA policies can save even more money on their premiums. The company offers discounts for bundling policies, taking a driver safety course, maintaining a clean driving record and insuring multiple cars. Besides this, there are discounts for garaging your vehicle on base, insuring a new car or staying with the company for a certain period.
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
Car Insurance in Idaho: What You Need to Know
The state of Idaho mandates that all car and truck owners carry liability insurance and uninsured and underinsured motorist coverage. In addition, you must comply with some state-mandated requirements.
Idaho Insurance Requirements
Before registering a vehicle with the Department of Motor Vehicles(DMV), Idaho drivers must submit proof of insurance. In addition, you must present proof of insurance when stopped by a police officer and after an accident resulting in bodily injury, death or property damage of at least $1,500.
In Idaho, the minimum requirements for car insurance are $25,000 per injured person, $50,000 per accident and $15,000 per accident for property damage. The state also mandates that all auto insurance policies include uninsured and underinsured motorist coverage, which helps cover costs if you are involved in an accident with an uninsured driver.
The state will accept a $50,000 deposit or bond per vehicle as an alternative to purchasing auto insurance. However, if the accident costs more and you are at fault, you will be responsible for the difference.
Idaho Department of Insurance advises that the state's minimum vehicle insurance requirements may not fully protect all drivers. Experts in the field recommend acquiring 10 times the minimum liability insurance coverage required by the state, or at least $100,000 per injury and $300,000 per accident.
If your vehicle is new or of high value, you may wish to purchase collision and comprehensive coverage. Collision coverage will help repair or replace your car after a crash. Comprehension coverage protects against storms, fire, theft and natural calamities like tornadoes.
FAQs About Car Insurance in Idaho
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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- Defense Manpower Data Center. "Military and Civilian Personnel by Service/Agency by State/Country." Accessed March 11, 2020.
- Driving Laws. "DUI Laws by State." Accessed January 18, 2021.
- Experian. "2019 Consumer Credit Review." Accessed March 3, 2020.
- Idaho Division of Motor Vehicles. "Idaho’s Point Violations." Accessed March 11, 2020.
- Idaho Transportation Department. "Idaho Traffic Crashes 2017." Accessed March 11, 2020.
- National Highway Traffic Safety Administration. "Traffic Safety Facts." Accessed January 13, 2021.
- NOLO. "Idaho Car Insurance Laws." Accessed March 11, 2020.