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The Best Auto Insurance in Idaho

Shop around to find the best insurance options for you in Idaho.

Best Full Coverage Auto Insurance in Idaho
Allstate Logo 2023

Allstate is one of the largest insurance providers in the country for a reason. It offers robust full coverage for drivers regardless of their age, location, gender, credit score, or driving history.

Best Cheap Auto Insurance in Idaho
State Farm Logo

State Farm’s affordable rates are just the start. It also provides personal service through local offices to help you figure out the best coverage mix for your situation.

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Sure, Idaho is known for its potatoes, but that’s just the beginning of its appeal for its residents and visitors. Idaho is a mountainous state in the Pacific Northwest running from Canada to Nevada. Its natural landscape, while beautiful, holds many hazards for drivers, as do its five Interstate Highways and more than 98,000 roadway miles. We’re recommending the best full coverage auto insurance in Idaho, alongside options for seniors and less frequent drivers in the state.

Comparison of the Best Auto Insurance in Idaho

Annual cost of full coverage auto insurance Annual cost of minimum coverage auto insurance Pay-per-mile program Senior discount Roadside assistance Review
Allstate $1,951 $433 No No Yes Allstate review
State Farm $812 $276 No No Yes State Farm review
USAA $789 $224 Yes No, but offers a defensive driving discount that seniors qualify for Yes USAA review
Nationwide $1,280 $502 Yes No Yes Nationwide review


Read our Idaho auto insurance guide for a deep dive into state laws and regulations that affect auto insurance premiums.

Detailed List of the Best Auto Insurance in Idaho

1. Best Full Coverage Auto Insurance in Idaho - Allstate

What We Like Most:

  • Three ways to earn a student discount
  • Pay-per-mile option for drivers with low mileage
  • No waiting period to purchase accident forgiveness

Full coverage auto insurance guarantees peace of mind and a high amount of protection for you and your family. The downside is that full coverage costs more than minimum coverage. Allstate isn’t cheap, but its premiums reflect robust coverage options to protect your assets. We love its extended vehicle care program, tire and wheel protection, and fabric and paint coverage if you live somewhere more rural and want to keep your vehicle driving and looking like you just took it off the lot.

ProsWho It's Best For
  • pro
    People who want customer service via live chat
  • pro
    Drivers who want robust coverage options
  • pro
    People who lease or finance their vehicle
ConsWho It's Not Best For
  • con
    People looking for the cheapest auto insurance
  • con
    People who want to bundle health or disability insurance

Extended Vehicle Care

Idaho is known for its rugged terrain, so the state minimum coverage is not going to cut it for most vehicles. Allstate makes it easy to piece together the right coverage for you. Allstate’s extended vehicle care acts like an extended warranty for your vehicle after the manufacturer’s warranty expires. You’ll pay a deductible of only $0 to $200 for the following types of covered repairs:

  • Steering
  • Emissions/exhaust
  • Suspension
  • Climate control
  • Seats
  • Safety restraints
  • Transmission
  • Engine
  • Drive axle(s)

Tire and Wheel Protection

Allstate’s tire and wheel coverage add-on comes with no deductible, no limit on the number of occurrences, and one to seven years of protection, depending on your plan. It covers the following types of damage/equipment:

  • Wheel repair or replacement if damage to the wheel prevents the tire from forming an airtight seal or it can’t be balanced
  • Tire repair or replacement
  • Mounting, balancing, valve stem, tire pressure sensor, and the disposal of the old tire and/or wheel
  • Alloy wheel cosmetic repair with a factory-brushed, powder-coated, or painted surface

Paint and Fabric Defense

Life gets messy in small towns. Allstate offers paint and fabric protection to interior and exterior surfaces (great protection from little-kid messes). This includes:

  • Ceramic exterior spray-on protectant to increase gloss, durability, and ease of cleaning to protect your paint job from road salt, hard water, tree sap, and more
  • Interior protectant designed to keep stains from setting in on fabric, leather, vinyl, and carpet, and defend against rips, tears, and loose stitching caused by weather or UV rays; Allstate will replace or repair rips or tears less than two inches or punctures with a diameter of less than one-quarter inch


There are upwards of 27,000 motor vehicle accidents in Idaho each year, according to the Idaho Transportation Department.1 Get as much coverage as you can afford so you’re covered no matter what.

2. Best Cheap Auto Insurance in Idaho - State Farm

What We Like Most:

  • Multiple discounts for safe driving, including one specifically for young drivers
  • Local agents
  • Discounts for multiple cars

State Farm is one of the largest car insurance companies in the U.S. Its local agents can find you the best mix of coverages and discounts for your particular situation. It’s our pick for the best cheap auto insurance for teens because of its affordable rates and safe driving discounts, but almost everyone can get affordable rates through State Farm.

ProsWho It's Best For
  • pro
    People who prefer personalized service
  • pro
    Price-sensitive buyers
  • pro
    People who want to bundle multiple policies
ConsWho It's Not Best For
  • con
    Drivers who want to purchase accident forgiveness
  • con
    People who lease or finance their vehicle and want gap insurance
  • con

Local Offices

Idaho is rural, but you’ll still be able to find one of State Farm’s 19,000 agents nearby. Local agents can help apply discounts and formulate coverage so you’re paying for only what you want to — and getting the best deal, to boot. State Farm has more than 25 agents located just an online search away from you in Idaho.

Bundling With State Farm

You can reduce the burden of your auto insurance premium by bundling it with your other insurance products. State Farm offers a wide variety, including boat, motorhome, ATV, homeowners, renters, life, health, disability, and small business insurance products with a 17 percent discount if you bundle two or more. You can save up to 20 percent if you cover two or more vehicles.

3. Best Auto Insurance for Seniors in Idaho - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

USAA offers the cheapest rates on this list, but only for its members. To qualify, you or an immediate family member must be a U.S. Armed Forces member or veteran. As a USAA member, you get financial support for investments and retirement and benefits that extend to your children and grandchildren. It’s our pick for senior drivers in Idaho because of its network of member benefits and a handy rideshare endorsement for gig workers.

ProsWho It's Best For
  • pro
    U.S. Armed Forces members, veterans, and their families
  • pro
    People who want to stay with their insurer long term
  • pro
    Teen drivers
ConsWho It's Not Best For

USAA member benefits

USAA offers benefits above and beyond auto insurance. Similar to AARP, these benefits are available only to members. They vary from state to state, but you can expect the following notable perks in Idaho:

  • Financial advice for managing debt, planning for retirement, investing, and more
  • Special rates on auto loans
  • $0 down on ADT home security installation
  • Discounts on hotels, cruises, vacation packages, travel insurance, and more
  • 24/7 customer support hotline

Loyalty Discounts

If you value a long-term relationship with your auto insurer, USAA rewards you for your loyalty with discounts. After three years, you can receive up to 10 percent off your future premiums. This discount also applies if your child or grandchild moves to their first individual auto insurance policy, so you’re also setting the next generation up for success.

Rideshare drivers

Are you earning extra income in retirement from a rideshare service? When you drive for a rideshare company, your policy does not apply when you’re waiting to match with a ride, and neither does the rideshare company’s coverage. USAA provides a rideshare endorsement that extends your policy through the gap, ensuring you’re fully protected.

4. Best Pay-per-Mile Auto Insurance in Idaho - Nationwide

What We Like Most:

  • Discounts for taking a defensive driver course
  • Network of local agents
  • Usage-based insurance program for low-mileage drivers

Nationwide ranks 10th in the nation for the value of premiums written.2 We like its pay-per-mile insurance, SmartMiles, for infrequent drivers who want to save money on premiums. If you’re a young driver or a farmer without a regular commute, usage-based insurance can save you a lot of money annually. Other programs, like SmartRide for safe driving and Nationwide’s vanishing deductible, keep Nationwide competitive among many types of customers. Plus, Nationwide has offices in Bellevue, Hailey, and Ketchum.

ProsWho It's Best For
  • pro
    Infrequent drivers
  • pro
    Safe drivers
  • pro
    People who want access to Nationwide’s coverages and discounts
ConsWho It's Not Best For
  • con
    People who need 24/7 customer service
  • con
    People who want the lowest possible rates

Telematics Programs

Nationwide offers two telematics programs: SmartMiles and SmartRide. Telematics combines GPS systems, vehicle diagnostics, and black box technologies to record and transmit vehicle data, like speed, location, and maintenance needs, across a wireless device. SmartMiles is the aforementioned pay-per-mile auto insurance option. The price of your insurance through SmartMiles is derived from a monthly base rate and a per-mile rate. You can participate by installing a device in your car or connecting your car directly (if it’s a 2015 model or later from Acura, General Motors, Genesis, Honda, or Hyundai).

SmartRide is another usage-based program that rewards safe driving with savings of up to 40 percent. You earn a 10 percent discount for enrolling. After you install the SmartRide device, you can track your discount and get feedback on your driving trends online. The device tracks miles driven, hard braking and acceleration, idle time, and nighttime driving. After the program ends, Nationwide will apply your final discount.

Vanishing Deductible

With Nationwide’s vanishing deductible, you can earn $100 off your deductible for each year without an at-fault accident on your record for up to five years. That’s a potential $500 savings from usage-based insurance.

Gap Insurance

Gap insurance protects your financial investment in a new car by paying the difference between the replacement cost of your vehicle and the amount you owe on it when it is totaled in a covered loss. Nationwide is on our list of best gap insurance options for when you lease or finance a vehicle.


We chose the best auto insurance providers in Idaho using three core research concepts:

  • Company information: We pull data from each company about its coverage options and discounts, also taking into account third-party customer satisfaction and financial strength ratings from AM Best, the Better Business Bureau, J.D. Powder, Moody’s, the National Association of Insurance Commissioners, and Standard & Poor’s.
  • Proprietary data: We analyze data from over 20 years of transactions to find out which customers have the most success with which companies. This allows us to get really specific about where you’ll find the best rates and coverage options.
  • Institutional knowledge: Our team possesses unmatched institutional knowledge about insurance providers that we leverage to help customers find their perfect policy. Don’t believe us? Ask Paul Ford, the president of insurance at Centerfield,’s parent company. Paul has spent nearly three decades working in the insurance industry, with tenures at Canadian Access, Inslogic, Capital One Insurance Services, NetQuote, Bankrate, and Datalot. We leverage Paul’s extensive knowledge of car insurance when advising customers on the best companies for them.

Idaho Auto Insurance FAQ

How much is car insurance per month in Idaho?

Car insurance in Idaho is $60 per month, or $724 per year. This is $323 less than the national average, thanks to Idaho’s favorable cost of living.

What car insurance is required in Idaho?

Idaho requires insurance covering bodily injuries up to $25,000 per person/$50,000 per accident, property damage up to $15,000, and uninsured motorist damage up to $25,000 per person/$50,000 per accident.

Is Idaho a no-fault state?

Idaho is an at-fault state, which means the party responsible for the accident pays for the accident’s losses. That is why you are required to have liability insurance to drive in Idaho.


  1. Road Data. Idaho Transportation Department. (2024).

  2. Facts + Statistics: Insurance company rankings. Insurance Information Institute. (2024).