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The most affordable insurance company in Idaho is American National P&C for most types of drivers, although personal factors will make other providers cheaper. MoneyGeek's research found that Auto-Owners Insurance and State Farm have the lowest rates based on these factors.

For a balance of affordability and quality service, consider companies offering the best car insurance in Idaho.

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2023

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Cheapest Minimum Liability Car Insurance in Idaho (November 2023)

Based on MoneyGeek’s analysis, the cheapest car insurance companies offering minimum coverage in Idaho are:

  • American National P&C: $167 per year
  • State Farm: $203 per year

Dairyland has the most expensive minimum coverage policies in Idaho, costing an average of $827 per year.

Drivers buying a minimum coverage policy in Idaho only get bodily injury liability and property damage liability coverage.

Company
Annual Premium
Monthly Premium

American National P&C

$167

$14

American National P&C

$192

$16

State Farm

$193

$16

American National P&C

$200

$17

State Farm

$203

$17

Auto-Owners Insurance Co

$209

$17

Auto-Owners Insurance Co

$215

$18

Idaho Farm Bureau

$228

$19

State Farm

$246

$20

Idaho Farm Bureau

$266

$22

Auto-Owners Insurance Co

$286

$24

Farmers

$298

$25

GEICO

$301

$25

Farmers

$303

$25

GEICO

$322

$27

American Family

$333

$28

American Family

$334

$28

Farmers

$347

$29

American Family

$350

$29

Travelers

$364

$30

GEICO

$388

$32

Travelers

$391

$33

Idaho Farm Bureau

$402

$33

Travelers

$416

$35

American National P&C

$421

$35

American National P&C

$428

$36

State Farm

$453

$38

State Farm

$491

$41

Auto-Owners Insurance Co

$495

$41

Allstate

$501

$42

Auto-Owners Insurance Co

$502

$42

Nationwide

$515

$43

Allstate

$515

$43

Allstate

$532

$44

Nationwide

$534

$45

American National P&C

$541

$45

Idaho Farm Bureau

$543

$45

State Farm

$627

$52

American Family

$629

$52

Farmers

$663

$55

Idaho Farm Bureau

$665

$55

American Family

$671

$56

GEICO

$679

$57

Auto-Owners Insurance Co

$692

$58

American Family

$701

$58

Farmers

$721

$60

GEICO

$729

$61

Travelers

$755

$63

Nationwide

$783

$65

Dairyland

$827

$69

Travelers

$858

$72

Dairyland

$859

$72

Allstate

$859

$72

Nationwide

$861

$72

Allstate

$868

$72

GEICO

$878

$73

Farmers

$880

$73

Nationwide

$895

$75

Travelers

$903

$75

Allstate

$949

$79

Idaho Farm Bureau

$978

$81

Dairyland

$1,108

$92

Nationwide

$1,158

$96

Dairyland

$1,742

$145

Dairyland

$1,791

$149

Dairyland

$2,459

$205

A minimum coverage policy only covers damages to other drivers or their vehicles. It won’t cover your injuries or damages to your vehicle. Opt for a full coverage policy that includes comprehensive and collision insurance for extra protection.

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Cheapest Full Coverage Car Insurance in Idaho (November 2023)

MoneyGeek found the following insurers offer Idaho’s cheapest full coverage policies:

  • American National P&C: $421 per year
  • State Farm: $491 per year

The most expensive company for full coverage policies in Idaho is Dairyland, with an annual average cost of $1,791.

You will pay more for a policy that includes comprehensive and collision insurance. For instance, American National P&C charges $254 more for full coverage.

A full coverage policy offers protection from various on-road incidents (hitting a tree, a hit-and-run driver) and off-road incidents (flooding or other natural disasters).

Company
Annual Premium
Monthly Premium

American National P&C

$167

$14

American National P&C

$192

$16

State Farm

$193

$16

American National P&C

$200

$17

State Farm

$203

$17

Auto-Owners Insurance Co

$209

$17

Auto-Owners Insurance Co

$215

$18

Idaho Farm Bureau

$228

$19

State Farm

$246

$20

Idaho Farm Bureau

$266

$22

Auto-Owners Insurance Co

$286

$24

Farmers

$298

$25

GEICO

$301

$25

Farmers

$303

$25

GEICO

$322

$27

American Family

$333

$28

American Family

$334

$28

Farmers

$347

$29

American Family

$350

$29

Travelers

$364

$30

GEICO

$388

$32

Travelers

$391

$33

Idaho Farm Bureau

$402

$33

Travelers

$416

$35

American National P&C

$421

$35

American National P&C

$428

$36

State Farm

$453

$38

State Farm

$491

$41

Auto-Owners Insurance Co

$495

$41

Allstate

$501

$42

Auto-Owners Insurance Co

$502

$42

Nationwide

$515

$43

Allstate

$515

$43

Allstate

$532

$44

Nationwide

$534

$45

American National P&C

$541

$45

Idaho Farm Bureau

$543

$45

State Farm

$627

$52

American Family

$629

$52

Farmers

$663

$55

Idaho Farm Bureau

$665

$55

American Family

$671

$56

GEICO

$679

$57

Auto-Owners Insurance Co

$692

$58

American Family

$701

$58

Farmers

$721

$60

GEICO

$729

$61

Travelers

$755

$63

Nationwide

$783

$65

Dairyland

$827

$69

Travelers

$858

$72

Dairyland

$859

$72

Allstate

$859

$72

Nationwide

$861

$72

Allstate

$868

$72

GEICO

$878

$73

Farmers

$880

$73

Nationwide

$895

$75

Travelers

$903

$75

Allstate

$949

$79

Idaho Farm Bureau

$978

$81

Dairyland

$1,108

$92

Nationwide

$1,158

$96

Dairyland

$1,742

$145

Dairyland

$1,791

$149

Dairyland

$2,459

$205

The amount of car insurance you need will significantly affect your rates. MoneyGeek’s sample full coverage policy includes the following coverage limits:

  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $100,000 in property damage liability per accident

You can save money on your policy by lowering your liability limits, increasing your deductible or dropping comprehensive and collision insurance. However, doing so leaves you with insufficient coverage if you get into an accident.

How to Compare Cheap Idaho Car Insurance Quotes Online

Many insurance companies provide online quotes; however, the process can take 15 or more minutes. It will also involve entering personal information and comparing rates across various websites.

To save time, use MoneyGeek’s car insurance calculator below, which can help you quickly estimate your monthly insurance expenses. You can begin by entering your age, gender and driving record details.

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Cheapest Car Insurance in Idaho by Age (November 2023)

Age has a big influence on car insurance rates in Idaho. State Farm and American National P&C offer the lowest prices on average for various age groups and family members.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: State Farm
Cheapest for young adults: American National P&C
Cheapest for seniors: American National P&C

Cheapest Car Insurance in Idaho for Teens and Their Families (November 2023)

MoneyGeek’s analysis identified the companies offering the cheapest car insurance in Idaho for teens as:

  • State Farm: $1,314 per year for male teens and $1,034 per year for female teens
  • Nationwide: $1,433 per year for male teens and $1,289 per year for female teens

Travelers is the most expensive company for male teens, charging $2,227 per year, and Farmers is the priciest for female teens at $1,838 per year.

In Idaho and the rest of the U.S., teens enjoy decreasing car insurance rates as they age during their teenage years. This decline in car insurance premiums makes 19-year-olds pay the cheapest rats. Auto-Owners Insurance Co ($937 per year) provides the most affordable rates for 19-year-old males in Idaho.

Car insurance costs significantly increase when teen drivers buy individual policies. For instance, a 16-year-old male teen driver pays an average of $4.081 per year for a policy. However, the policy cost is $2,414 less — at $1,667 per year — when the same driver is added to their parent’s policy.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

State Farm

$316

$498

State Farm

$348

$548

State Farm

$380

$599

GEICO

$383

$798

State Farm

$423

$667

GEICO

$430

$896

GEICO

$460

$957

State Farm

$527

$556

Auto-Owners Insurance Co

$541

$577

State Farm

$596

$629

Auto-Owners Insurance Co

$597

$623

State Farm

$608

$730

Auto-Owners Insurance Co

$609

$649

GEICO

$631

$930

Auto-Owners Insurance Co

$634

$663

GEICO

$646

$1,344

State Farm

$657

$693

Auto-Owners Insurance Co

$663

$706

Auto-Owners Insurance Co

$670

$700

State Farm

$693

$833

Auto-Owners Insurance Co

$694

$911

Travelers

$703

$882

Nationwide

$711

$899

Nationwide

$719

$975

Auto-Owners Insurance Co

$722

$754

Nationwide

$724

$1,268

Travelers

$729

$923

State Farm

$734

$889

Nationwide

$743

$1,430

GEICO

$745

$1,098

State Farm

$751

$793

Auto-Owners Insurance Co

$759

$809

Auto-Owners Insurance Co

$761

$808

GEICO

$766

$1,129

Farmers

$773

$1,180

State Farm

$781

$939

Travelers

$786

$987

State Farm

$797

$1,081

GEICO

$803

$1,381

Allstate

$804

$956

GEICO

$809

$1,529

Auto-Owners Insurance Co

$809

$1,062

Travelers

$812

$1,019

Allstate

$825

$975

Nationwide

$826

$1,045

Auto-Owners Insurance Co

$828

$879

Travelers

$829

$1,050

Farmers

$831

$1,303

Travelers

$850

$1,199

Allstate

$852

$2,725

Nationwide

$855

$1,160

State Farm

$861

$1,044

Travelers

$870

$1,093

Nationwide

$878

$1,110

Travelers

$892

$1,129

Allstate

$894

$1,064

Allstate

$900

$1,322

Nationwide

$907

$1,231

State Farm

$913

$1,239

Auto-Owners Insurance Co

$914

$971

Nationwide

$934

$1,181

Auto-Owners Insurance Co

$937

$1,229

GEICO

$959

$1,414

GEICO

$962

$1,819

Allstate

$972

$1,157

Allstate

$976

$1,432

Nationwide

$976

$1,324

Allstate

$978

$1,155

GEICO

$981

$2,627

Travelers

$984

$1,407

State Farm

$988

$1,198

Travelers

$993

$1,257

GEICO

$996

$1,714

Travelers

$1,000

$1,410

Nationwide

$1,002

$1,754

State Farm

$1,008

$1,372

Allstate

$1,010

$1,527

State Farm

$1,034

$1,403

Auto-Owners Insurance Co

$1,041

$1,417

Travelers

$1,049

$2,072

Allstate

$1,056

$1,257

Nationwide

$1,059

$2,037

Auto-Owners Insurance Co

$1,064

$1,064

Allstate

$1,078

$1,273

Allstate

$1,086

$3,473

GEICO

$1,107

$2,963

GEICO

$1,118

$3,223

Nationwide

$1,126

$2,389

Allstate

$1,137

$3,428

Farmers

$1,142

$1,005

Auto-Owners Insurance Co

$1,153

$1,154

State Farm

$1,154

$1,570

Farmers

$1,155

$969

Auto-Owners Insurance Co

$1,156

$1,573

Nationwide

$1,158

$2,027

Travelers

$1,171

$1,650

Allstate

$1,172

$1,771

Farmers

$1,172

$984

GEICO

$1,173

$2,018

Allstate

$1,174

$1,723

Farmers

$1,174

$4,463

Allstate

$1,175

$1,387

Travelers

$1,180

$1,688

Farmers

$1,195

$1,051

Farmers

$1,222

$4,660

Farmers

$1,225

$1,028

Nationwide

$1,254

$2,861

Nationwide

$1,254

$2,662

Farmers

$1,274

$1,121

Travelers

$1,279

$2,573

Nationwide

$1,280

$2,462

Farmers

$1,288

$1,081

Nationwide

$1,289

$2,735

State Farm

$1,314

$1,788

Allstate

$1,320

$1,996

Allstate

$1,326

$3,996

Farmers

$1,330

$2,029

Farmers

$1,346

$5,116

Farmers

$1,364

$1,200

GEICO

$1,365

$2,580

GEICO

$1,371

$3,952

Farmers

$1,387

$5,288

Nationwide

$1,396

$3,184

Travelers

$1,407

$2,012

Farmers

$1,414

$2,217

Auto-Owners Insurance Co

$1,426

$1,427

GEICO

$1,429

$3,826

Nationwide

$1,433

$3,269

Allstate

$1,442

$4,612

Travelers

$1,445

$2,855

Auto-Owners Insurance Co

$1,461

$1,989

Farmers

$1,480

$2,257

Farmers

$1,564

$2,453

Allstate

$1,585

$4,778

Travelers

$1,750

$3,459

GEICO

$1,771

$5,104

Travelers

$1,796

$3,615

Farmers

$1,838

$6,989

Farmers

$1,876

$7,154

Travelers

$2,227

$4,482

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Families can take advantage of various discounts car insurers offer to save on premiums. For instance, State Farm offers distant student, driver's education and good student discounts. Nationwide also provides a discount for good academic performance.

Cheapest Car Insurance in Idaho for Young Adults (November 2023)

MoneyGeek’s analysis shows following are the cheapest companies for drivers in their 20s:

  • American National P&C: $541 per year
  • State Farm: $627 per year

Dairyland charges the most to insure drivers in their 20s. Its policies cost an average of $2,459 per year.

Young drivers in Idaho pay $120 more for a policy than middle-aged drivers.

Company
Annual Premium
Monthly Premium

American National P&C

$167

$14

American National P&C

$192

$16

State Farm

$193

$16

American National P&C

$200

$17

State Farm

$203

$17

Auto-Owners Insurance Co

$209

$17

Auto-Owners Insurance Co

$215

$18

Idaho Farm Bureau

$228

$19

State Farm

$246

$20

Idaho Farm Bureau

$266

$22

Auto-Owners Insurance Co

$286

$24

Farmers

$298

$25

GEICO

$301

$25

Farmers

$303

$25

GEICO

$322

$27

American Family

$333

$28

American Family

$334

$28

Farmers

$347

$29

American Family

$350

$29

Travelers

$364

$30

GEICO

$388

$32

Travelers

$391

$33

Idaho Farm Bureau

$402

$33

Travelers

$416

$35

American National P&C

$421

$35

American National P&C

$428

$36

State Farm

$453

$38

State Farm

$491

$41

Auto-Owners Insurance Co

$495

$41

Allstate

$501

$42

Auto-Owners Insurance Co

$502

$42

Nationwide

$515

$43

Allstate

$515

$43

Allstate

$532

$44

Nationwide

$534

$45

American National P&C

$541

$45

Idaho Farm Bureau

$543

$45

State Farm

$627

$52

American Family

$629

$52

Farmers

$663

$55

Idaho Farm Bureau

$665

$55

American Family

$671

$56

GEICO

$679

$57

Auto-Owners Insurance Co

$692

$58

American Family

$701

$58

Farmers

$721

$60

GEICO

$729

$61

Travelers

$755

$63

Nationwide

$783

$65

Dairyland

$827

$69

Travelers

$858

$72

Dairyland

$859

$72

Allstate

$859

$72

Nationwide

$861

$72

Allstate

$868

$72

GEICO

$878

$73

Farmers

$880

$73

Nationwide

$895

$75

Travelers

$903

$75

Allstate

$949

$79

Idaho Farm Bureau

$978

$81

Dairyland

$1,108

$92

Nationwide

$1,158

$96

Dairyland

$1,742

$145

Dairyland

$1,791

$149

Dairyland

$2,459

$205

Cheapest Car Insurance in Idaho for Seniors (November 2023)

MoneyGeek found the following insurance companies offer the cheapest rates for senior drivers:

  • American National P&C: $428 per year
  • State Farm: $453 per year

Dairyland provides the most expensive policy for seniors, costing an average of $1,742 annually.

In Idaho, 40- and 50-year-old drivers will pay slightly less — about $7 — for car insurance than senior drivers. However, rates may significantly increase for drivers in their 70s and 80s.

Company
Annual Premium
Monthly Premium

American National P&C

$167

$14

American National P&C

$192

$16

State Farm

$193

$16

American National P&C

$200

$17

State Farm

$203

$17

Auto-Owners Insurance Co

$209

$17

Auto-Owners Insurance Co

$215

$18

Idaho Farm Bureau

$228

$19

State Farm

$246

$20

Idaho Farm Bureau

$266

$22

Auto-Owners Insurance Co

$286

$24

Farmers

$298

$25

GEICO

$301

$25

Farmers

$303

$25

GEICO

$322

$27

American Family

$333

$28

American Family

$334

$28

Farmers

$347

$29

American Family

$350

$29

Travelers

$364

$30

GEICO

$388

$32

Travelers

$391

$33

Idaho Farm Bureau

$402

$33

Travelers

$416

$35

American National P&C

$421

$35

American National P&C

$428

$36

State Farm

$453

$38

State Farm

$491

$41

Auto-Owners Insurance Co

$495

$41

Allstate

$501

$42

Auto-Owners Insurance Co

$502

$42

Nationwide

$515

$43

Allstate

$515

$43

Allstate

$532

$44

Nationwide

$534

$45

American National P&C

$541

$45

Idaho Farm Bureau

$543

$45

State Farm

$627

$52

American Family

$629

$52

Farmers

$663

$55

Idaho Farm Bureau

$665

$55

American Family

$671

$56

GEICO

$679

$57

Auto-Owners Insurance Co

$692

$58

American Family

$701

$58

Farmers

$721

$60

GEICO

$729

$61

Travelers

$755

$63

Nationwide

$783

$65

Dairyland

$827

$69

Travelers

$858

$72

Dairyland

$859

$72

Allstate

$859

$72

Nationwide

$861

$72

Allstate

$868

$72

GEICO

$878

$73

Farmers

$880

$73

Nationwide

$895

$75

Travelers

$903

$75

Allstate

$949

$79

Idaho Farm Bureau

$978

$81

Dairyland

$1,108

$92

Nationwide

$1,158

$96

Dairyland

$1,742

$145

Dairyland

$1,791

$149

Dairyland

$2,459

$205

Seniors can get discounts from GEICO, American Family, Farmers and many other insurers to save on insurance premiums. To find the cheapest insurer, drivers should always compare rates as insurance companies consider factors besides age to determine rates.

Cheapest Car Insurance for Higher Risk Drivers (November 2023)

Drivers with poor credit will find the lowest rates with Idaho Farm Bureau. Those with sports cars, a ticket or an at-fault accident on their record will find Auto-Owners most affordable.

State Farm is the cheapest car insurance company for drivers with a DUI.

Insurance companies charge higher rates to insure drivers with bad records because they consider them risky and more likely to file a claim. Improving your driving record over time and comparing rates before choosing an insurer can help you find cheaper policies.

CHEAPEST CAR INSURANCE FOR HIGHER RISK DRIVERS

Cheapest after a ticket: Auto-Owners ($502 per year)
Cheapest after an accident: Auto-Owners ($576 per year)
Cheapest after a DUI: State Farm ($546 per year)
Cheapest for poor credit: Idaho Farm Bureau ($1,007 per year)
Cheapest for sports cars: Auto-Owners ($506 per year)

Cheapest Car Insurance in Idaho After a Ticket

The following companies are the cheapest options for drivers with a speeding ticket in Idaho:

  • Auto-Owners Insurance Co: $502 per year
  • American National P&C: $520 per year

Dairyland charges the most to insure drivers with speeding tickets, an average of $2,187 annually. Drivers with speeding tickets pay as much as $136 more for a policy than drivers with a clean record.

Company
Annual Premium
Monthly Premium

American National P&C

$203

$17

Auto-Owners Insurance Co

$209

$17

Auto-Owners Insurance Co

$215

$18

State Farm

$217

$18

Idaho Farm Bureau

$228

$19

State Farm

$230

$19

American National P&C

$232

$19

American National P&C

$244

$20

Idaho Farm Bureau

$272

$23

State Farm

$277

$23

Auto-Owners Insurance Co

$286

$24

American Family

$346

$29

American Family

$347

$29

GEICO

$351

$29

American Family

$362

$30

GEICO

$375

$31

Farmers

$389

$32

Farmers

$395

$33

Idaho Farm Bureau

$402

$33

Farmers

$430

$36

GEICO

$454

$38

Travelers

$487

$41

Auto-Owners Insurance Co

$495

$41

Auto-Owners Insurance Co

$502

$42

State Farm

$505

$42

Travelers

$511

$43

American National P&C

$520

$43

American National P&C

$524

$44

Idaho Farm Bureau

$543

$45

State Farm

$546

$46

Travelers

$555

$46

Allstate

$562

$47

Allstate

$568

$47

Allstate

$589

$49

Nationwide

$627

$52

Nationwide

$643

$54

American Family

$658

$55

Idaho Farm Bureau

$664

$55

American National P&C

$666

$56

Auto-Owners Insurance Co

$692

$58

State Farm

$699

$58

American Family

$701

$58

American Family

$732

$61

GEICO

$797

$66

GEICO

$851

$71

Farmers

$919

$77

Farmers

$953

$79

Idaho Farm Bureau

$978

$81

Nationwide

$989

$82

Allstate

$991

$83

Nationwide

$995

$83

Allstate

$996

$83

Dairyland

$1,006

$84

Travelers

$1,021

$85

GEICO

$1,024

$85

Travelers

$1,039

$87

Dairyland

$1,050

$88

Nationwide

$1,063

$89

Allstate

$1,087

$91

Travelers

$1,108

$92

Farmers

$1,111

$93

Dairyland

$1,184

$99

Nationwide

$1,326

$111

Dairyland

$2,085

$174

Dairyland

$2,187

$182

Dairyland

$2,607

$217

Cheapest Car Insurance in Idaho After an Accident

MoneyGeek found that the companies charging the least rates to insure drivers with an accident on their record are:

  • Auto-Owners: $576 per year
  • State Farm: $595 per year

The most expensive insurer is Dairyland, with an average annual cost of $2,474.

Drivers with accidents on their record pay as much as $256 more per year for car insurance than drivers with clean driving records.

Company
Annual Premium
Monthly Premium

State Farm

$239

$20

American National P&C

$240

$20

Auto-Owners Insurance Co

$242

$20

Auto-Owners Insurance Co

$251

$21

State Farm

$252

$21

American National P&C

$277

$23

Idaho Farm Bureau

$284

$24

American National P&C

$289

$24

State Farm

$304

$25

Auto-Owners Insurance Co

$332

$28

Idaho Farm Bureau

$340

$28

American Family

$346

$29

American Family

$347

$29

American Family

$362

$30

Farmers

$468

$39

Farmers

$501

$42

Idaho Farm Bureau

$502

$42

Farmers

$510

$42

Travelers

$515

$43

Nationwide

$515

$43

GEICO

$529

$44

Nationwide

$534

$45

Travelers

$539

$45

State Farm

$552

$46

GEICO

$552

$46

Auto-Owners Insurance Co

$566

$47

Auto-Owners Insurance Co

$576

$48

Travelers

$588

$49

State Farm

$595

$50

American National P&C

$606

$51

American National P&C

$616

$51

GEICO

$630

$53

American Family

$658

$55

Allstate

$677

$56

Idaho Farm Bureau

$678

$56

Allstate

$686

$57

American Family

$701

$58

Allstate

$716

$60

American Family

$732

$61

State Farm

$764

$64

American National P&C

$777

$65

Nationwide

$783

$65

Auto-Owners Insurance Co

$796

$66

Idaho Farm Bureau

$828

$69

Nationwide

$861

$72

Nationwide

$895

$75

Farmers

$1,065

$89

Farmers

$1,068

$89

Travelers

$1,068

$89

Travelers

$1,094

$91

Nationwide

$1,158

$96

Travelers

$1,160

$97

Dairyland

$1,179

$98

GEICO

$1,198

$100

Idaho Farm Bureau

$1,220

$102

Farmers

$1,227

$102

Allstate

$1,252

$104

GEICO

$1,252

$104

Allstate

$1,264

$105

Dairyland

$1,325

$110

Dairyland

$1,350

$113

Allstate

$1,376

$115

GEICO

$1,425

$119

Dairyland

$2,474

$206

Dairyland

$2,581

$215

Dairyland

$2,994

$249

Cheapest Car Insurance in Idaho After a DUI

MoneyGeek found the following companies offer the cheapest policies for drivers with a DUI in Idaho:

  • State Farm: $546 per year
  • American National P&C: $680 per year

Our research shows that GEICO is the most expensive option, charging an average of $2,272 per year. A DUI in Idaho can increase your insurance premiums by as much as $483 annually.

Company
Annual Premium
Monthly Premium

State Farm

$217

$18

State Farm

$230

$19

American National P&C

$273

$23

State Farm

$277

$23

American National P&C

$314

$26

American National P&C

$328

$27

American Family

$346

$29

American Family

$347

$29

American Family

$362

$30

Farmers

$449

$37

Farmers

$477

$40

Idaho Farm Bureau

$483

$40

Farmers

$489

$41

State Farm

$505

$42

Auto-Owners Insurance Co

$545

$45

State Farm

$546

$46

Auto-Owners Insurance Co

$563

$47

Travelers

$571

$48

Idaho Farm Bureau

$578

$48

Travelers

$599

$50

Allstate

$622

$52

Allstate

$630

$53

Travelers

$652

$54

Allstate

$656

$55

American Family

$658

$55

American National P&C

$680

$57

American National P&C

$694

$58

State Farm

$699

$58

American Family

$701

$58

American Family

$732

$61

Auto-Owners Insurance Co

$747

$62

Idaho Farm Bureau

$854

$71

Dairyland

$859

$72

American National P&C

$872

$73

Dairyland

$909

$76

GEICO

$1,002

$83

Farmers

$1,018

$85

Farmers

$1,025

$85

GEICO

$1,028

$86

Dairyland

$1,108

$92

Idaho Farm Bureau

$1,109

$92

Allstate

$1,135

$95

Allstate

$1,148

$96

GEICO

$1,173

$98

Travelers

$1,180

$98

Farmers

$1,183

$99

Auto-Owners Insurance Co

$1,192

$99

Auto-Owners Insurance Co

$1,199

$100

Travelers

$1,209

$101

Nationwide

$1,234

$103

Allstate

$1,248

$104

Nationwide

$1,260

$105

Travelers

$1,279

$107

Idaho Farm Bureau

$1,356

$113

Nationwide

$1,552

$129

Nationwide

$1,638

$137

Auto-Owners Insurance Co

$1,679

$140

Nationwide

$1,726

$144

Dairyland

$1,742

$145

Dairyland

$1,946

$162

Idaho Farm Bureau

$1,998

$166

GEICO

$2,272

$189

GEICO

$2,332

$194

Nationwide

$2,392

$199

Dairyland

$2,459

$205

GEICO

$2,656

$221

Cheapest Car Insurance in Idaho for Drivers With Poor Credit (November 2023)

The companies providing the cheapest car insurance in Idaho for drivers with bad credit are:

  • Idaho Farm Bureau: $1,007 per year
  • GEICO: $1,084 per year

Dairyland is the most expensive company for drivers with a weak credit history, charging an average of $2,433 per year.

Insurers will charge higher rates to insure drivers with a credit score below 580. For instance, drivers with bad credit pay $558 more for a car insurance policy than drivers with credit scores above 750.

Company
Annual Premium
Monthly Premium

Idaho Farm Bureau

$345

$29

Idaho Farm Bureau

$413

$34

Farmers

$451

$38

Farmers

$463

$39

GEICO

$477

$40

GEICO

$510

$42

Farmers

$525

$44

Travelers

$538

$45

American Family

$555

$46

American Family

$557

$46

Travelers

$561

$47

American National P&C

$562

$47

Auto-Owners Insurance Co

$582

$49

American Family

$591

$49

Travelers

$599

$50

Auto-Owners Insurance Co

$601

$50

Idaho Farm Bureau

$609

$51

State Farm

$613

$51

Allstate

$634

$53

Allstate

$643

$54

American National P&C

$646

$54

State Farm

$646

$54

GEICO

$650

$54

Allstate

$669

$56

American National P&C

$675

$56

Nationwide

$696

$58

Nationwide

$720

$60

State Farm

$781

$65

Auto-Owners Insurance Co

$797

$66

Idaho Farm Bureau

$822

$68

Idaho Farm Bureau

$1,007

$84

Dairyland

$1,061

$88

American Family

$1,064

$89

Farmers

$1,069

$89

GEICO

$1,084

$90

Nationwide

$1,112

$93

Dairyland

$1,118

$93

Travelers

$1,128

$94

American Family

$1,135

$95

GEICO

$1,157

$96

Farmers

$1,166

$97

Nationwide

$1,167

$97

American Family

$1,196

$100

Auto-Owners Insurance Co

$1,205

$100

Nationwide

$1,215

$101

Auto-Owners Insurance Co

$1,220

$102

Allstate

$1,221

$102

Allstate

$1,222

$102

Travelers

$1,263

$105

Travelers

$1,271

$106

Allstate

$1,347

$112

Dairyland

$1,378

$115

American National P&C

$1,416

$118

Farmers

$1,423

$119

American National P&C

$1,438

$120

State Farm

$1,442

$120

GEICO

$1,466

$122

Idaho Farm Bureau

$1,482

$123

State Farm

$1,563

$130

Auto-Owners Insurance Co

$1,694

$141

American National P&C

$1,815

$151

Nationwide

$1,840

$153

State Farm

$1,998

$167

Dairyland

$2,165

$180

Dairyland

$2,433

$203

Dairyland

$3,068

$256

Idaho’s laws permit insurance companies to use credit scores when determining rates. Data shows that drivers with bad credit tend to file more claims, so insurers charge them higher rates.

You can save money on car insurance by improving your credit score. In the meantime, compare different insurers and benefit from various discounts to save money.

Cheapest Car Insurance in Idaho for Sports Cars (November 2023)

The following insurance companies offer the cheapest rates for sports car drivers in Idaho:

  • Auto-Owners Insurance Co: $506 per year
  • State Farm: $613 per year

The most expensive option to insure sports cars is Dairyland, costing an average of $1,932 per year.

Insurers generally charge higher rates to insure sports cars because they cost more to repair and replace. You would pay around $109 more to insure a Ford Mustang than a Toyota Camry.

Company
Annual Premium
Monthly Premium

American National P&C

$167

$14

American National P&C

$192

$16

State Farm

$193

$16

American National P&C

$200

$17

State Farm

$203

$17

Auto-Owners Insurance Co

$209

$17

Auto-Owners Insurance Co

$215

$18

Idaho Farm Bureau

$228

$19

State Farm

$246

$20

Idaho Farm Bureau

$266

$22

Auto-Owners Insurance Co

$286

$24

Farmers

$298

$25

GEICO

$301

$25

Farmers

$303

$25

GEICO

$322

$27

American Family

$333

$28

American Family

$334

$28

Farmers

$347

$29

American Family

$350

$29

Travelers

$364

$30

GEICO

$388

$32

Travelers

$391

$33

Idaho Farm Bureau

$402

$33

Travelers

$416

$35

Allstate

$501

$42

Auto-Owners Insurance Co

$502

$42

Auto-Owners Insurance Co

$506

$42

Nationwide

$515

$43

Allstate

$515

$43

Allstate

$532

$44

Nationwide

$534

$45

State Farm

$565

$47

American Family

$580

$48

State Farm

$613

$51

American Family

$614

$51

Farmers

$634

$53

American Family

$642

$54

Farmers

$700

$58

Auto-Owners Insurance Co

$700

$58

Travelers

$784

$65

State Farm

$794

$66

Dairyland

$827

$69

GEICO

$829

$69

Travelers

$846

$70

Dairyland

$859

$72

Nationwide

$860

$72

Nationwide

$861

$72

Farmers

$871

$73

GEICO

$886

$74

Travelers

$887

$74

Allstate

$912

$76

Allstate

$928

$77

Nationwide

$991

$83

Allstate

$1,028

$86

GEICO

$1,063

$89

Dairyland

$1,108

$92

Nationwide

$1,282

$107

Dairyland

$1,731

$144

Dairyland

$1,932

$161

Dairyland

$2,448

$204

MoneyGeek used a Ford Mustang as its sample sports car. Rates can vary based on your car model. Insurance costs are generally higher for luxury, electric and sports vehicles than for other model types.

Cheapest Car Insurance in Idaho for Military Drivers (November 2023)

American National P&C provides the cheapest car insurance policies for veterans and active-duty military members in Idaho, charging an average of $421 per year.

Another affordable alternative for military members and veterans is USAA, which offers policies tailored to military members and is available in all U.S. states.

mglogo
MoneyGeek Top Pick
American National Insurance Company
  • $421 per year
  • Ranks first out of 12 insurers for affordability
  • Provides discounts for bundling, multiple car policies and safe driving

Cheapest Car Insurance in Idaho by City

The cost of car insurance varies based on your location within the state. Your insurance premiums will cost more if you live in an area with high theft, vandalism or accident rates.

American National P&C provides the cheapest car insurance in Meridian, Idaho, charging an average of $424 per year. The insurer is also the cheapest option in Boise City, at $430 per year.

See our list of Idaho cities below to compare average car insurance rates based on your location.

City
Cheapest Company
Annual Premium

Boise City

American National P&C

$430

Meridian

American National P&C

$424

Car Insurance in Idaho: What You Need to Know

Drivers in Idaho must buy coverages like bodily injury liability and property damage liability. As an alternative to car insurance, drivers can obtain a certificate of self-insurance from the Idaho Transportation Department.

Idaho Car Insurance Requirements

Idaho’s laws require drivers to buy a policy that meets the state’s minimum requirements. As a driver, you must have coverage for bodily injury liability and property damage liability.

A minimum coverage policy will cost you less, but it won’t offer enough protection in case of an accident. The choice is yours; however, MoneyGeek recommends adding more liability coverage to your policy for extra protection.

You must file an SR-22 in Idaho after serious driving violations, and your required coverage will likely increase.

  • male icon

    Bodily Injury Liability

    Your policy must include bodily injury liability coverage of at least $25,000 per injured person and $50,000 per accident in Idaho. This coverage will help cover medical and other related costs if you injure someone in an accident.

  • accident2 icon

    Property Damage Liability

    You must have property damage liability coverage of at least $15,000 per accident. This covers the cost to repair another person’s vehicle or property if you damage it due to an accident.

MoneyGeek recommends purchasing a policy that includes at least $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage insurance per accident.

You’ll also likely have to buy comprehensive and collision insurance if you finance your vehicle. Comprehensive insurance protects you against vehicle damage due to theft, vandalism or weather-related events. Collision insurance pays for repair or replacement costs if your car hits another vehicle or an object.

You should always opt for comprehensive and collision insurance if you own a sports or luxury car.

Car Insurance Alternatives in Idaho

An alternative to car insurance in Idaho is a certificate of self-insurance from the Idaho Transportation Department. A self-insurance certificate makes you responsible for paying all the damages in case of an accident.

You can get a certificate of self-insurance in Idaho by providing the following documents to the transportation department:

  • List of vehicles registered and titled in Idaho with all the relevant information
  • A statement signed by a certified public accountant attesting that your net worth is not less than $500,000
  • Request for a TIN and W-9 certificate

You can renew the certificate yearly by submitting information about the vehicles registered in your name and proof of financial capability.

FAQs About Car Insurance in Idaho

You may have concerns about the cost and quality of car insurance. MoneyGeek answered the following commonly asked questions to help you understand key information.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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