Compare Cheap Auto Insurance in Idaho

Full coverage insurance in Idaho is well below the national average. For drivers affiliated with the military, USAA offers policies at an average of $840 per year. That’s 46 percent lower than the state average and 64 percent less than the national average. For non-military drivers, State Farm and GEICO also offer competitive rates under $1,200 annually, making them strong contenders for affordable full coverage.

State Farm is one of our top choices for the best auto insurance in Idaho, especially if you want a cheap rate.

For drivers seeking the state-required minimum coverage, USAA again offers the lowest rates, at just $228 per year for qualified drivers. For non-military drivers, State Farm provides the lowest minimum coverage, coming in at $263 annually, making it another budget-friendly choice.

Households with teen drivers in Idaho face higher premiums, but they still pay less than the national average. Idaho Farm Bureau offers the cheapest teen coverage, at $2,739 per year, which is 17 percent lower than the state average and almost 55 percent cheaper than the national average of $6,054. State Farm ($2,774 per year) and GEICO ($3,187 per year) have the next cheapest average rates.

A speeding ticket can raise rates, but in Idaho, these increases usually remain manageable. For military-affiliated drivers, USAA has the lowest average premium for drivers with a speeding ticket, at $929 per year, which is 51 percent below the state average. State Farm ($1,131 per year on average) and GEICO ($1,270 per year on average) also offer affordable options that fall below the state average.

After an accident, insurance rates increase, but USAA and State Farm remain the cheapest, at an average of $1,053 and $1,233 per year, respectively. That’s 51 and 42 percent lower than the Idaho average. Idaho Farm Bureau ($1,728 annually) and GEICO ($1,811 annually) are also competitive.

A DUI can have a significant impact on insurance costs, but State Farm offers the lowest average rate, at $1,444 per year — 44 percent cheaper than the state average. For those who qualify, USAA is the next most affordable, at $1,545 annually, making it another reasonable option for drivers with a DUI.

Credit scores affect insurance rates in Idaho, but GEICO provides the most affordable option, at $1,379 per year. That’s 39 percent lower than the state average and 67 percent cheaper than the national average of $4,126. USAA and State Farm also offer competitive pricing under $1,900 per year.

Customer satisfaction is an important factor when you’re choosing an insurer. State Farm has the highest regional satisfaction score (648) and the best claims satisfaction rating (716) in Idaho. Auto-Owners also stands out with a solid B rating on the CRASH Network Insurer Report Card, which indicates strong repair shop relationships. Although Idaho Farm Bureau isn’t included in these third-party reports, small regional insurers tend to offer high levels of service. Meanwhile, Allstate and Travelers rank the lowest in satisfaction and claims handling. For those who qualify, USAA also receives high marks for customer and claims satisfaction.

To find the cheapest auto insurance in Idaho, compare quotes from multiple providers. Here are a few tips to help you save:

• Compare quotes regularly. Auto insurance rates change, so it’s important to shop around at least once a year to ensure you’re getting the best deal.
• Take advantage of discounts. Many insurers in Idaho offer discounts for bundling policies, maintaining a clean driving record, or completing a defensive driving course.
• Consider adjusting coverage levels. If you drive an older car, you might reduce your rate by dropping comprehensive and collision coverage. However, make sure you have enough coverage to protect yourself financially.
• Improve your credit score. Because Idaho insurers consider credit history when setting rates, an improved credit score may lead to lower premiums.
• Choose a higher deductible. Opting for a higher deductible can lower your monthly premium, but ensure you can afford the out-of-pocket cost in the event of an accident.

By following these steps and comparing rates across providers, Idaho drivers can find the most affordable coverage that meets their needs.

Location matters for insurance rates. The cheapest major city for auto insurance in Idaho is Boise, with an average annual premium of $1,465. On the higher end, Coeur d’Alene ($1,673 annually) and Pocatello ($1,694 annually) have the most expensive rates.

At a minimum, you must maintain the following coverages and limits to drive legally in Idaho:

• $25,000 per person/$50,000 per accident in bodily injury liability
• $15,000 in property damage liability
• $25,000 per person/$50,000 per accident in uninsured/underinsured motorist coverage⁴

We analyzed average premiums in Idaho for full and minimum coverage for good drivers with good credit as well as various driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Medical payments: $5,000
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible