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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Drivers in Idaho pay about $93 per month for car insurance — much lower than the national average. Idaho is mostly rural with fewer uninsured drivers, which likely helps keep its auto insurance prices low.[1]
If you’re looking for cheap car insurance in Idaho, Auto-Owners, State Farm, and USAA have the lowest rates in the state.
In this article, we’ll cover the most affordable insurers for different types of drivers and give tips on how to pick the right company for your needs.
Auto-Owners offers the cheapest car insurance in Idaho, at $36 per month.
Idaho drivers pay an average of $67 per month for liability-only coverage and $118 per month for full coverage.
Idaho requires 25/50/15 liability coverage, but insurers must also offer you uninsured and underinsured motorist coverage.[2]
Even though Idaho’s average rates are already lower than average, it’s possible to find auto insurance quotes below the state average. The following table highlights the cheapest insurers in Idaho, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $36 |
| State Farm | $39 |
| USAA | $52 |
| National General | $57 |
| Safeco | $65 |
| GEICO | $65 |
| Direct Auto | $67 |
| American Family | $68 |
| Progressive | $73 |
| Bristol West | $75 |
| Dairyland | $76 |
| Liberty Mutual | $81 |
| Foremost | $87 |
| The General | $98 |
| Travelers | $105 |
| Allstate | $108 |
| Nationwide | $120 |
| Farmers | $124 |
Auto-Owners takes the top spot as the cheapest company in Idaho, with rates averaging $36 per month. Still, your personal rate will depend on multiple factors like your age, location, and driving history.
Next, we break down the cheapest companies by driver and coverage type so you can find the best company for you.
The Idaho car insurance companies we mentioned above are a solid starting point if you’re shopping for coverage in Idaho. But your actual cost comes down to things like age, ZIP code, coverage levels, and driving history.
In the table below, you’ll find the cheapest insurers and average monthly rates for different coverage levels and driver profiles, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $36 |
| Full coverage | Auto-Owners | $41 |
| Teens | Auto-Owners | $74 |
| Seniors | Auto-Owners | $28 |
| Drivers with a speeding ticket | Auto-Owners | $46 |
| Drivers with an at-fault accident | Auto-Owners | $47 |
| Drivers with a DUI | Auto-Owners | $48 |
| Drivers with excellent credit | Auto-Owners | $30 |
| Drivers with poor credit | Auto-Owners | $49 |
Check out the next few sections where we look at the best deals for coverage levels and different driver profiles.
Comparing quotes can save you up to $867.†
Idaho requires drivers to have liability insurance that meets minimum coverage requirements, but experts suggest buying more than the bare minimum.[3] Your coverage limits determine if your policy will cover a claim and how much it’ll pay out for damages, and a serious accident can put you in financial jeopardy.
State-minimum coverage in Idaho runs $67 per month, on average. If you want just enough protection to meet Idaho state regulations, our research shows the five companies in the chart below offer the cheapest coverage.
Full coverage doesn’t just protect other people. It also includes comprehensive coverage and collision coverage to cover damage to your vehicle so you’re not stuck with a massive repair bill after a car crash. If you’re financing or leasing your car, lenders typically require you to have full-coverage insurance.
While premiums for full coverage average $118 per month, some Idaho insurers offer it for close to what you’d pay for liability insurance.
The five companies in the chart below offer the cheapest full-coverage policies in Idaho, according to Compare.com data.
Teen drivers get into accidents about four times more often than drivers age 20 and older.[4] So it’s no surprise that insurance rates for this age group are higher than those of older drivers.
Young drivers are still learning the ropes, like how to handle black ice on Interstate 84 or navigate Boise’s rush-hour traffic, and insurers charge more to cover the extra risk.
Car insurance for teens in Idaho averages $224 per month, but you can still land a great deal if you know where to look. Our data uncovered these five insurers with the most affordable prices in Idaho.
On the other end of the age spectrum, seniors often qualify for the best and lowest rates of any age group. They tend to be more cautious drivers, follow traffic rules, and drive fewer miles.[5] Senior drivers can expect a monthly car insurance bill around $75.
Though senior rates are already low compared to other driver profiles, you can get even cheaper rates. The five insurance companies in the chart below have the lowest rates in Idaho, according to Compare.com data.
A speeding ticket can cause your rates to increase when you renew your insurance policy. Getting a ticket signals to insurers that you’re more likely to get into a future accident, so insurers charge you more to account for the risk. Even one ticket raises the average premium by 37% nationwide, according to our research.
After a ticket in Idaho, you’ll pay an average monthly rate of $121. Some insurers go easier on you than others.
Check out the five cheapest insurance companies for Idaho drivers with a recent ticket on their record, according to Compare.com data.
If you cause an accident in downtown Meridian, for example, you may see higher rates on your next car insurance bill. Our data found that a single at-fault accident increases premiums by 41% nationwide, so being a careful driver is important to keep your insurance costs low.[6]
Drivers with a recent accident pay an average of $125 per month, according to our research. A number of insurers in Idaho still offer cheaper rates despite your accident history. Check out the most affordable option in the chart below.
A DUI conviction affects your insurance rates more than most other violations. Our research shows that rates increase by an average of 61% nationwide. That’s a massive hit that can stick around on your driving record for years.
After a DUI, car insurance costs average $112 per month, according to Compare.com data. You may get a lower insurance rate from one of the Idaho companies below, even if you have a DUI on your record.
Some car insurers check your credit history when calculating your premiums. Insurers believe your credit can indicate how likely you are to file claims. Our research shows drivers with poor credit may pay 20% more than drivers with excellent credit.[7]
The average driver in Idaho with poor credit pays around $102 per month for car insurance, according to Compare.com data. Some insurers don’t check your credit at all, so it’s worth shopping around.
The companies in the chart below offer the cheapest car insurance rates for drivers with poor credit, according to Compare.com data.
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Many factors influence what you pay for auto insurance, making it impossible to single out the best car insurance company. To help you find the best deal, we reviewed pricing options, discount programs, customer service ratings, and coverage options available in the Gem State.
The three insurers stood out as top choices for Idaho drivers.
Compare.com Rating: 4.93 out of 5
Average full-coverage premium: $123 per month
Savings for safe drivers
Tech-savvy mobile app features
Customizable policy options
Rates can increase for risky driving
Low claims satisfaction[8]
May not be the cheapest option
Allstate offers multiple telematics-based options. Its Drivewise program can cut your rates if you’re a safe driver, while Milewise lowers your cost if you don’t spend much time on the road. You get access to online policy documents and flexible coverage options no matter where you live in Idaho, plus extras like crash detection and roadside assistance.
Compare.com Rating: 5.00 out of 5
Average full-coverage premium: $44 per month
Excellent customer service reputation[9]
Many discounts available
Agents in 39 Idaho cities
Gap insurance not available
Limited specialized coverage options
Accident forgiveness not available
State Farm has built a reputation on solid customer service and having agents in practically every corner of the state, from Sandpoint to Twin Falls. While drivers with a clean history can qualify for the best rates, State Farm throws in plenty of discounts to bring down what you pay each month.
Compare.com Rating: 4.95 out of 5
Average full-coverage premium: $74 per month
Many discounts available
Highly rated mobile app[10]
Above-average customer service
Limited number of local agents
Gap insurance not available
Few optional coverage add-ons
GEICO's rates are often among the lowest you’ll find anywhere, partly because you can buy straight from the company without going through an agent. Getting an online quote is easy for Idaho drivers, and you’ll likely qualify for a discount. GEICO offers 23 ways to save, including discount programs for good drivers, bundling, students, and going paperless.
Local rates start as low as $36 per month.
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Idaho follows the same rule as nearly all other U.S. states: You must have car insurance to make sure you can financially cover the damage if you cause an accident. Here are Idaho’s minimum requirements for car insurance:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $15,000 per accident
Aside from the mandatory coverages above, insurance companies must offer underinsured/uninsured motorist coverage, but you can reject it in writing if you don’t want it.
Minimum coverage is enough to meet Idaho’s state requirements for car insurance, but it likely won’t be enough if you get into a serious accident. You can always purchase higher policy limits for more protection, according to the Idaho Department of Insurance. It’s something to think about, as serious crashes can lead to medical bills and car repairs that extend far beyond the state’s basic limits.
Before you start comparison shopping for quotes, here are the answers to some common questions about car insurance in Idaho.
The average cost of car insurance in Idaho is $93 per month, according to our data. Liability-only coverage runs about $67 per month, while full coverage averages $118.
Auto-Owners has the cheapest auto insurance rates on average in Idaho. Its monthly rate averages
$36 per month, according to our research.
No. But keep in mind that car insurance costs vary according to where you live, your driving record, and your age. To give you a sense of how Idaho compares to other states, our data shows that most Idaho drivers pay around $93 per month, while the nationwide average is $150.
The best car insurance company in Idaho depends on what matters most to you: price, coverage, service, or a balance of all three. But if you want a good deal on auto coverage, we found that Allstate, State Farm, and GEICO tend to hit the sweet spot when it comes to price, service, and coverage.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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