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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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Car insurance in Idaho Falls costs an average of $109 per month. Idaho Falls drivers typically pay less than the national average due to the city’s lower population density[1] and fewer traffic accidents than bigger cities like Boise or Meridian.
Even with Idaho Falls’ affordable auto insurance, many companies offer rates well below the citywide average. National General, Direct Auto, and Safeco offer the best prices in the city, with liability rates starting at $62 per month.
This article covers the cheapest insurers in Idaho Falls for various driver types, how to pick the right insurance company for your needs, and how to save money on your car insurance.
National General offers the cheapest car insurance in Idaho Falls, at $62 per month.
Idaho Falls drivers pay an average of $71 per month for liability coverage and $146 per month for full coverage.
Idaho requires all drivers to have 25/50/15 liability insurance.
Even with lower-than-average rates for some drivers, you might find cheaper coverage from several insurance companies that offer rates below the citywide average.
The table below shows the most affordable insurers in Idaho Falls, based on Compare.com data analysis.
Company  | Average Monthly Premium |
|---|---|
| National General | $62 |
| Direct Auto | $72 |
| Safeco | $72 |
| Progressive | $74 |
| Dairyland | $77 |
| Bristol West | $89 |
| Liberty Mutual | $89 |
| Foremost | $95 |
| The General | $111 |
National General stands out as the most affordable option, with an average monthly liability rate of $62.
The following sections break down the cheapest companies by driver demographics and coverage types to help you find the best rates.
Your personal car insurance rates can vary significantly based on factors like your age, driving record, credit history, and the coverage you choose. Comparing rates from insurers offering good deals for drivers with similar profiles can help you find the best value.
The table below highlights the most affordable insurance companies for various driver backgrounds and coverage needs in Idaho Falls, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | National General | $62 |
| Full coverage | Progressive | $106 |
| Teens | National General | $144 |
| Seniors | National General | $46 |
| Drivers with a speeding ticket | National General | $78 |
| Drivers with an at-fault accident | National General | $80 |
| Drivers with a DUI | National General | $83 |
| Drivers with excellent credit | National General | $56 |
| Drivers with poor credit | National General | $71 |
The next sections provide more detailed information about the cheapest options for specific driver types and coverage levels.
Policies in Idaho Falls start as low as $62 per month.
Idaho Falls drivers pay an average of $71 per month for minimum-coverage car insurance, according to Compare.com data. Most insurance experts recommend purchasing more coverage than Idaho requires because state minimums often don’t provide enough protection if you cause a serious accident.[2]
If you need basic coverage that meets Idaho’s minimum requirements, the five companies highlighted in the chart below offer Idaho Falls’ most competitive rates, according to our research.
Most drivers should consider full-coverage car insurance because it provides better financial protection for you and your vehicle. Full coverage typically includes comprehensive and collision insurance in addition to the state’s minimum liability requirements.
Lenders and leasing companies typically require you to purchase full coverage if you finance or lease your vehicle.[3] Idaho Falls drivers pay an average of $146 per month for full-coverage car insurance. But several insurers offer full-coverage policies for close to the average liability price in the city.
The chart below shows the five most affordable insurers in Idaho Falls for full-coverage auto insurance, based on Compare.com research.
Teen drivers pay some of the highest car insurance rates of any age group. Younger drivers lack experience and have higher accident rates than drivers aged 20 and older.[4] Nationwide, the average teen pays nearly double what someone 20 or older pays for coverage, according to our data.
Teen drivers in Idaho Falls pay an average of $262 per month for auto coverage. But you can still find competitive rates if you’re a teenage driver willing to shop around.
The following chart highlights the five cheapest insurance companies in Idaho Falls for teen drivers, according to Compare.com data.
Senior drivers typically enjoy the lowest car insurance rates of any age group. They typically have decades of driving experience and tend to drive more cautiously than younger drivers.[5]
Seniors in Idaho Falls pay an average of $88 per month for car insurance, according to Compare.com data. But you can likely find even better deals from one of the companies below.
This chart shows the five most affordable insurers in Idaho Falls for senior drivers, based on our analysis.
Getting a ticket can cause your car insurance rates to go up when your policy renews. Insurers view traffic violations as indicators of risky driving behavior.[6] Our research shows that even a single speeding ticket causes average rates to jump by 28% nationwide.
Idaho Falls drivers with a recent ticket pay an average of $142 per month for auto insurance. But several insurers offer competitive rates for drivers who have traffic violations.
Here are Idaho Falls’ five cheapest insurers for drivers with recent tickets, based on Compare.com data.
Causing an accident can lead to substantial rate increases because it signals to insurers that you’re more likely to file future claims. Our research shows that a single at-fault accident causes average rates to increase by 33% nationwide.
Drivers with a recent accident in Idaho Falls pay an average of $146 per month for car insurance, according to Compare.com data. But you can often find better deals with one of the five insurers in the chart below.
These companies offer the most affordable rates for Idaho Falls drivers with a recent accident, according to our data.
A driving under the influence (DUI) conviction causes the sharpest increase in car insurance rates of any incident. Our research shows average rates increase by 59% nationwide after a DUI conviction.
Getting a DUI can make it difficult to find coverage at all. Many insurers refuse to cover people with DUI convictions because they view them as extremely risky drivers.
Idaho Falls drivers with a DUI conviction pay an average of $131 per month for car insurance, according to Compare.com data. But you’re not necessarily stuck with sky-high rates. Some insurance companies specialize in high-risk drivers, including people with DUI convictions.[7]
This chart shows the five cheapest insurance companies in Idaho Falls for drivers with DUI convictions, based on our data.
Some insurance companies examine your credit history when calculating your rates. Insurers use a credit-based insurance score to determine your likelihood of defaulting on payments or filing claims.[8] Our research shows drivers with poor credit pay 40% more than people with excellent credit.
Idaho Falls drivers with poor credit pay an average of $120 per month for auto coverage, according to Compare.com data. But not all companies use credit in their pricing, and some offer very affordable rates regardless of your credit history.
The chart below shows the five cheapest insurers in Idaho Falls for drivers with bad credit, according to our research.
Compare personalized quotes from Idaho Falls’ top insurers.
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Like nearly every other state, Idaho requires all drivers to have car insurance. The state mandates specific minimum coverage amounts to ensure drivers can pay for damages they cause in accidents.
Idaho’s auto insurance requirements include:[9]
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $15,000 per accident
Idaho also requires drivers to have uninsured/underinsured motorist coverage, unless they decline it in writing.
Most insurance experts recommend buying coverage above Idaho’s minimum limits. That’s because state minimums often don’t provide adequate financial protection in serious accidents. Lenders typically require you to buy comprehensive and collision coverage if you finance or lease your vehicle.
For example, let’s say you cause an accident resulting in $30,000 worth of damage to another vehicle. Idaho’s minimum requirements would only cover $15,000, leaving you responsible for paying the remaining $15,000 out of pocket.
We answered some common questions from drivers about car insurance costs and requirements in Idaho Falls.
Car insurance in Idaho Falls costs an average of $71 per month for liability coverage and $146 for full coverage, according to Compare.com data.
It depends. Idaho Falls drivers pay an average of $109 per month for car insurance, compared to the national average of $150. Your rates depend on several factors, including your location within the city, driving history, age, and coverage choices.
National General offers the cheapest car insurance in Idaho Falls, with rates starting at $62 per month, according to Compare.com data.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
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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