Cheap Car Insurance in Idaho (2024)
What you need to know:
- State Farm has the cheapest car insurance quotes in Idaho for most drivers. It charges an average of $19 a month for liability insurance and $54 a month for full coverage.
- Travelers has the cheapest auto insurance for Idaho drivers with a DUI.
- The average cost of car insurance in Idaho is $34 a month for liability coverage. Full-coverage policies cost an average of $102 a month.
Cheapest full-coverage car insurance in Idaho: State Farm
State Farm has the cheapest full-coverage car insurance quotes in Idaho, with rates that average $642 a year. This works out to $54 a month, which is 47% less than the state average of $102 a month.
USAA, which is only available to the military community, has the next-cheapest rate.
Full-coverage auto insurance rates
| Company | Annual rate |
|---|---|
| State Farm | $642 |
| Auto-Owners | $981 |
| Farm Bureau | $1,119 |
| Geico | $1,169 |
| State average | $1,227 |
| Travelers | $1,382 |
| Allstate | $1,838 |
| Farmers | $1,942 |
| USAA* | $744 |
Cheapest Idaho liability-only coverage: State Farm
State Farm has the cheapest liability insurance quotes in Idaho, with rates averaging $227 a year. This works out to $19 a month, which is 44% less than the state average of $34 a month.
USAA and Auto-Owners have the next-cheapest rates.
Liability-only auto insurance rates
| Company | Annual rate |
|---|---|
| State Farm | $227 |
| Auto-Owners | $306 |
| Geico | $364 |
| Farm Bureau | $369 |
| State average | $413 |
| Travelers | $515 |
| Farmers | $622 |
| Allstate | $668 |
| USAA* | $234 |
Liability car insurance covers injuries and property damage you cause to others in a car accident. It’s required by state law.
Full coverage includes collision and comprehensive (comp) coverage, which pay for your own car repairs. Collision and comp are usually required for a car loan or lease, but neither coverage is required by law.
To get the lowest rate for the coverage you need, compare car insurance quotes from several companies while you shop for a policy.
Cheapest rates for young drivers: State Farm
State Farm has Idaho’s cheapest car insurance for teens. It charges 18-year-olds an average of $769 a year for liability insurance, or $64 a month. Its full-coverage rates for teen drivers average $166 a month.
Farm Bureau has the next-cheapest rates for teen drivers. Its rates work out to $68 a month for liability insurance and $204 a month for full coverage.
Teen auto insurance rates
| Company | Liability annual rate | Full-coverage annual rate |
|---|---|---|
| State Farm | $769 | $1,997 |
| Farm Bureau | $812 | $2,453 |
| Auto-Owners | $1,101 | $2,804 |
| Geico | $1,414 | $4,125 |
| State average | $1,561 | $4,197 |
| Travelers | $1,595 | $3,774 |
| Allstate | $2,487 | $7,975 |
| Farmers | $3,268 | $7,291 |
| USAA* | $1,038 | $3,155 |
Cheapest rates after a speeding ticket in Idaho: State Farm
State Farm has the cheapest auto insurance quotes for Idaho drivers with a speeding ticket. These rates average $693 a year for full coverage, or $58 a month.
A speeding ticket raises the average price of auto insurance in Idaho by 21% to $123 a month. State Farm’s rate is 53% less than the state average for drivers with a ticket.
Auto insurance rates after a speeding ticket
| Company | Annual rate |
|---|---|
| State Farm | $693 |
| Auto-Owners | $981 |
| Farm Bureau | $1,119 |
| State average | $1,470 |
| Geico | $1,510 |
| Travelers | $1,650 |
| Allstate | $2,129 |
| Farmers | $2,734 |
| USAA* | $941 |
Cheapest rates after an accident: State Farm
State Farm has the cheapest auto insurance for Idaho drivers with a prior at-fault accident. These rates average $752 a year, or $63 a month. USAA and Auto-Owners have the next-cheapest rates.
In Idaho, an at-fault accident raises the average price of auto insurance by 48%. However, State Farm rates only go up by 17% after an accident.
Car insurance rates after an accident
| Company | Annual rate |
|---|---|
| State Farm | $752 |
| Auto-Owners | $1,450 |
| Farm Bureau | $1,463 |
| State average | $1,810 |
| Travelers | $1,821 |
| Geico | $2,206 |
| Farmers | $2,782 |
| Allstate | $2,960 |
| USAA* | $1,045 |
Best rates after a DUI in Idaho: Travelers
Travelers has the cheapest auto insurance for Idaho drivers with a DUI (driving under the influence). Its rates work out to $158 a month, which is 25% less than the state average for DUI insurance in Idaho.
A DUI more than doubles the average price of car insurance in Idaho to $2,545 a year, or $212 a month.
Car insurance rates after a DUI
| Company | Annual rate |
|---|---|
| Travelers | $1,898 |
| Auto-Owners | $2,203 |
| Farm Bureau | $2,463 |
| Allstate | $2,471 |
| State average | $2,545 |
| Farmers | $2,640 |
| State Farm | $3,049 |
| Geico | $4,073 |
| USAA* | $1,560 |
Best rates for bad credit: State Farm
State Farm has Idaho’s cheapest car insurance for bad credit. These rates average $1,270 a year, or $106 a month. USAA and Geico have the next-cheapest rates.
Drivers with bad credit pay an average of $172 a month for auto insurance in Idaho. This is 69% higher than the average for drivers with good credit.
Car insurance rates for bad credit
| Company | Annual rate |
|---|---|
| State Farm | $1,270 |
| Geico | $1,672 |
| Farm Bureau | $1,697 |
| Travelers | $2,057 |
| State average | $2,060 |
| Auto-Owners | $2,321 |
| Allstate | $2,680 |
| Farmers | $3,132 |
| USAA* | $1,650 |
Idaho insurance rates by city
In Idaho’s largest cities, auto insurance rates range from $88 a month in Mountain Home to $105 a month in Moscow. The average price of car insurance in Boise is $94 a month, which is 8% less than the state average.
Car insurance rates near you
| City | Annual rate |
|---|---|
| Ammon | $1,249 |
| Boise | $1,126 |
| Caldwell | $1,171 |
| Chubbuck | $1,217 |
| Coeur d'Alene | $1,226 |
| Eagle | $1,144 |
| Hayden | $1,254 |
| Idaho Falls | $1,245 |
| Jerome | $1,157 |
| Kuna | $1,132 |
| Lewiston | $1,209 |
| Meridian | $1,096 |
| Moscow | $1,256 |
| Mountain Home | $1,054 |
| Nampa | $1,178 |
| Pocatello | $1,236 |
| Post Falls | $1,205 |
| Rexburg | $1,237 |
| Star | $1,153 |
| Twin Falls | $1,158 |
Car insurance laws in Idaho
Idaho law requires you to have proof of financial responsibility to drive a car. Most people satisfy this requirement with car insurance.
You usually need to show proof of insurance to law enforcement during a traffic stop or at an accident scene.
The state also uses an automated system to monitor the insurance status of registered vehicles. Insurance companies report policy information to the Division of Motor Vehicles (DMV) electronically. If the system can’t find insurance data for your vehicle, it notifies you of a possible violation.
The penalties for driving without insurance include a fine and suspension of your vehicle’s registration.
Minimum coverage for car insurance in Idaho
The minimum car insurance requirements in Idaho include:
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $15,000
The state also requires insurance companies to provide uninsured motorist coverage. However, you can reject this coverage. Uninsured motorist covers you and your passengers for injuries caused by a driver with no insurance.
SR-22 insurance in Idaho
You may need SR-22 insurance to reinstate your license or registration after violations like DUI or driving uninsured. An SR-22 is a certificate that proves you have insurance. Your insurance company files it for you with the state when you buy your policy.
You should let the insurance companies you contact for quotes know about your SR-22 requirement. Some companies don’t offer SR-22 certificates. Most that do add a filing fee of about $25 to your rate.
The actual price you pay for SR-22 insurance depends largely on the offense that led to the filing requirement. You usually pay less for car insurance after an insurance violation than you do after a DUI. You usually have to shop around to find cheap SR-22 insurance.
Frequently asked questions
Car insurance costs an average of $102 a month for full coverage. The average for liability-only policies is $34 a month.
No. Idaho follows at-fault accident laws. You are responsible for injuries and damage you cause to others in a car accident.
No. Insurance companies are required to offer uninsured motorist coverage. However, you can reject the coverage.