American National P&C is the go-to for budget-friendly car insurance in Idaho, with average costs at just $17 monthly and $210 annually for state minimum coverage. This rate is $198 less than what most Idaho drivers pay. These figures, accurate as of December 2024, come from Quadrant Information Services, ensuring you're getting the most current data for Idaho's most affordable rates. Read our research methodology to learn about how we found the cheapest Idaho car insurance.
Cheapest Car Insurance in Idaho
American National P&C is the cheapest car insurance provider in Idaho with average annual rates of $210 for minimum coverage. For full coverage, State Farm is cheapest at $547 per year.
Updated: December 19, 2024
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- Cheapest Overall
- Cheapest Minimum Coverage
- Cheapest Full Coverage
- Cheapest for Young Drivers
- Cheapest for Seniors
- Cheapest After Driving Offense
- Cheapest With DUI
- Cheapest With Accident
- Cheapest With Speeding Ticket
- Cheapest for Bad Credit
- Cheapest by City
- Cheapest Home and Auto Bundle
- Average Cost in Idaho
- ID Insurance Requirements
- FAQ
- Our Methodology
Key Takeaways
For December 2024, the five cheapest car insurance companies for drivers in Idaho are State Farm, American National P&C, Auto-Owners, American Family and Idaho Farm Bureau.
The lowest rates for car insurance in Idaho start ar $17 for minimum coverage and $46 for full coverage.
On average, drivers in this state pay $34 for minimum coverage and $71 for full coverage each month.
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What is the Cheapest Car Insurance in Idaho?
Cheapest Car Insurance Companies in Idaho
State Farm is the cheapest car insurance company for many drivers in Idaho, with an average monthly rate of $32 for both minimum and full coverage. This is significantly lower than the state's average of $53. Other affordable options include American National P&C, Auto-Owners, American Family, and GEICO.
State Farm | $32 | $20 |
American National P&C | $33 | $20 |
Auto-Owners Insurance Co | $40 | $12 |
American Family | $42 | $11 |
Idaho Farm Bureau | $42 | $11 |
GEICO | $42 | $10 |
Farmers | $46 | $7 |
Travelers | $52 | $0 |
*We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.
Best Car insurance Rates In Idaho
American National P&C is the most affordable choice for most drivers when it comes to both minimum and full coverage. However, your rate depends on your personal background. Below, we highlight the cheapest car insurance rates for various drivers in Idaho.
Minimum Coverage | American National P&C | $17 |
Full Coverage | State Farm | $46 |
Drivers With Bad Credit | Idaho Farm Bureau | $37 |
Drivers With a DUI | State Farm | $21 |
Drivers With an Accident | State Farm | $23 |
Drivers With a Speeding Ticket | State Farm | $21 |
Read More: Cheapest Car Insurance
Cheapest Minimum Coverage Car Insurance in Idaho
Along with the cheapest rate from American National P&C, State Farm, Idaho Farm Bureau, and Auto-Owners also offer cheap minimum liability coverage for drivers in Idaho. Use the table below to explore rates for similar companies with the best minimum coverage rates, and see how they compare to the monthly state average.
American National P&C | $17 | $17 |
State Farm | $19 | $15 |
Idaho Farm Bureau | $24 | $10 |
Auto-Owners Insurance Co | $25 | $9 |
GEICO | $26 | $8 |
American Family | $28 | $6 |
Farmers | $28 | $6 |
Cheapest Full Coverage Car Insurance in Idaho
State Farm is the cheapest provider for full coverage auto insurance in Idaho, with rates averaging $46 per month or $547 per year. This is $25 less than the state's average cost. Check the table below for other provider options.
State Farm | $46 | $25 |
American National P&C | $48 | $23 |
Auto-Owners Insurance Co | $55 | $16 |
American Family | $56 | $15 |
GEICO | $58 | $13 |
Idaho Farm Bureau | $60 | $11 |
Farmers | $64 | $7 |
Travelers | $70 | $1 |
Cheapest Car Insurance in Idaho for Young Drivers
In Idaho, young adult drivers find American National P&C to be the most affordable option. A 25-year-old can get a state minimum policy for just $21 per month.
American National P&C | $21 | $23 |
State Farm | $22 | $21 |
American Family | $29 | $14 |
Farmers | $32 | $11 |
Auto-Owners Insurance Co | $34 | $9 |
GEICO | $34 | $9 |
Idaho Farm Bureau | $36 | $7 |
Travelers | $39 | $4 |
*We used minimum coverage for a 25-year old driver with good credit and no driving violations to determine the cheapest provider.
Cheapest Car Insurance Rates for Young Drivers in Idaho
Idaho's young drivers can find affordable auto insurance with American National P&C offering minimum coverage for $21 monthly. American Family provides full coverage at $58, while Farmers is best for those with bad credit at $48. State Farm offers competitive rates for drivers with a DUI, accident, or speeding ticket, starting at $25. Rates vary by personal factors, but these are good starting points.
American National P&C | Minimum Coverage | $21 |
American Family | Full Coverage | $58 |
Farmers | Drivers With Bad Credit | $48 |
State Farm | Drivers With a DWI | $25 |
State Farm | Drivers With an Accident | $28 |
State Farm | Drivers With a Speeding Ticket | $25 |
Read More: Cheapest Car Insurance for Young Drivers
Cheapest Car Insurance in Idaho for Seniors
Senior drivers in Idaho can find affordable rates with State Farm, where a minimum coverage policy averages $18 per month for 65-year-olds.
State Farm | $18 | $17 |
American National P&C | $20 | $15 |
Idaho Farm Bureau | $21 | $14 |
Auto-Owners Insurance Co | $26 | $9 |
Farmers | $28 | $7 |
American Family | $28 | $7 |
GEICO | $28 | $6 |
We used minimum coverage for a 65-year old driver with good credit and no driving violations to determine the cheapest provider.
Cheapest Car Insurance Rates for Seniors in Idaho
For senior drivers in Idaho, State Farm often provides the most affordable rates for minimum and full coverage. Idaho Farm Bureau is a great choice for those with bad credit. Your quote might differ, but use the rates in the table below to guide your insurance shopping.
State Farm | Minimum Coverage | $18 |
State Farm | Full Coverage | $42 |
Idaho Farm Bureau | Drivers With Bad Credit | $31 |
State Farm | Drivers With a DUI | $20 |
State Farm | Drivers With an Accident | $22 |
State Farm | Drivers With a Speeding Ticket | $20 |
Read More: Cheapest Car Insurance for Seniors
Cheap Auto Insurance for High-Risk Drivers in Idaho
Drivers in Idaho with a DUI, at-fault accident, or speeding ticket are considered high-risk by insurers and typically pay more for car insurance than those with a clean record. Depending on the offense, average premiums vary for high-risk drivers. Below are the best rates for those with a DUI, at-fault accident, and speeding ticket.
Cheapest Car Insurance in Idaho With a DUI
State Farm offers the best rates for Idaho drivers with DUIs, with a monthly cost of $21 and $251 annually for minimum coverage. Check the table below for more insurance options and their average monthly premiums.
State Farm | $21 | $37 |
American National P&C | $28 | $29 |
American Family | $29 | $29 |
Farmers | $41 | $16 |
Idaho Farm Bureau | $52 | $5 |
Travelers | $54 | $4 |
*We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.
Cheapest Car Insurance in Idaho With an Accident
State Farm offers the lowest rates for drivers after an at-fault accident, averaging $23 per month ($276 per year), making it the cheapest company for drivers after an at-fault accident. The table below lists other insurers with affordable options for drivers with accidents. Note that these rates are for state minimum coverage policies.
State Farm | $23 | $22 |
American National P&C | $25 | $20 |
American Family | $29 | $17 |
Auto-Owners Insurance Co | $29 | $16 |
Idaho Farm Bureau | $31 | $14 |
Farmers | $43 | $2 |
*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.
Cheapest Car Insurance in Idaho With a Speeding Ticket
State Farm offers the cheapest insurance for drivers with a speeding ticket in Idaho, averaging $21 per month. Check the table below to compare providers offering minimum coverage for drivers in this situation.
State Farm | $21 | $19 |
American National P&C | $21 | $19 |
Idaho Farm Bureau | $25 | $15 |
Auto-Owners Insurance Co | $25 | $15 |
American Family | $29 | $11 |
GEICO | $31 | $9 |
Farmers | $36 | $4 |
We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.
Cheapest Car Insurance in Idaho for Drivers With Bad Credit
State Farm is the cheapest car insurance provider for drivers with poor credit, offering rates as low as $21 monthly and $251 annually for minimum coverage. Check the table below for more options.
Idaho Farm Bureau | $37 | $20 |
GEICO | $42 | $16 |
Farmers | $43 | $15 |
American Family | $46 | $12 |
Travelers | $51 | $7 |
*These rates are based on a 40-year-old driver with bad credit and a clean driving record.
Cheapest Car Insurance in Idaho by City
Your car insurance rates are tied to where you live. Even in the same state, costs can vary between cities because of things like how many people live there, flood risks, and crime.
For instance, American National P&C charges the same monthly rate of $19 for state minimum coverage in both Boise and Meridian. Check the table below to find your city, the most affordable company, and the lowest average monthly premium for car insurance.
*The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.
Cheapest Home and Auto Insurance in Idaho
For Idahoans, Metropolitan is your go-to for affordable bundle home and auto insurance at just $1,446. Check the table below for more budget-friendly companies.
Metropolitan | $1,446 |
MetLife | $1,446 |
Allstate | $1,518 |
Farmers | $1,599 |
Travelers | $1,684 |
State Farm | $1,916 |
*Rates are for a 40 year old driver with good credit and no driving violations
How Much Does Car Insurance Cost in Idaho?
In Idaho, the monthly average cost for full coverage car insurance is $71, while minimum coverage is $34. Understanding the average cost of car insurance in Idaho helps you spot a great deal on your policy.
Idaho Car Insurance Cost by City
In Idaho, car insurance rates change by city. Check the table for average minimum and full coverage costs in your area.
Boise | $37 | $71 |
Meridian | $37 | $70 |
Is Car Insurance in Idaho Expensive?
Car insurance in Idaho ranks as one of the most affordable in the nation. The state's low population density, fewer natural disasters, and a lower vehicle theft rate keep costs down. Learn more about why car insurance is expensive in Idaho.
Idaho Car Insurance Minimum Requirements
Idaho law requires all drivers to carry car insurance policies with minimum coverage limits. These limits are $20,000 for bodily injury per person, $50,000 per accident, and $15,000 for property damage. When you finance or lease a car in Idaho, you're often required to add comprehensive and collision insurance on top of the minimum liability coverages. While opting for a minimum liability auto insurance policy is the most affordable option, it provides the least amount of financial protection. For better financial security, experts suggest choosing full coverage insurance with the highest deductible and liability limits that fit your budget.
Bodily Injury Liability
Covers expenses related to injuries or death caused to others in an accident. Minimum limits are $20,000 per person and $50,000 per accident. This helps cover medical bills and legal fees if you're at fault.
Property Damage Liability
Covers damage you cause to someone else's property. The minimum limit is $15,000 per accident. This helps pay for repairs to vehicles or other property you damage.
Drivers with serious traffic violations, like speeding or DUI, might need to file for SR-22 insurance, which can increase your premium. In Idaho, either you or your insurance provider can submit the SR-22 form. This requirement typically lasts 1-3 years from your latest offense.
Alternative Ways to Satisfy Idaho Car Insurance Requirements
In Idaho, a surety bond is a common alternative to traditional car insurance. This bond is a promise to pay for any damages you cause in an accident, helping you meet the state's insurance requirements.
Business owners might explore self-insurance as an option. This involves proving you have the financial means to cover any potential losses, offering a flexible way to comply with insurance laws.
How Much Car Insurance Should I Get in Idaho?
MoneyGeek recommends that drivers get full coverage car insurance, which includes liability, collision, and comprehensive coverage. We recommend the following liability limits:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage per accident
Comprehensive coverage pays for off-road damage to your car if it's stolen, vandalized, or damaged by something other than a collision, like severe weather or a fire. Collision coverage, on the other hand, pays for damage to your car in an on-road collision.
If you own a valuable car, MoneyGeek suggests purchasing comprehensive and collision insurance, even though it's not a legal requirement. It's wise to tailor your deductible for comprehensive and collision coverage to what you can afford to pay before your insurance covers the rest.
Cheap Car Insurance in Idaho: Bottom Line
State Farm wins for affordable full coverage at $46, and American National P&C is top for cheapest state minimum at $17 in Idaho. Cheap car insurance sounds great, but remember, the cheapest isn't always the best choice. Experts say it’s smart to buy as much coverage as you can afford for the safest driving.
Cheap Car Insurance in Idaho: FAQ
MoneyGeek answers commonly asked questions about the cheapest car insurance in Idaho to ensure you get the right coverage for your situation.
What are the cheapest car insurance companies in Idaho?
State Farm offers the most affordable full coverage car insurance in Idaho, with policies starting at $46 per month. For those seeking minimum coverage, American National P&C is the cheapest provider, with rates as low as $17 per month.
Who has the cheapest car insurance rates for young drivers in Idaho?
State Farm offers the most affordable car insurance rates for young drivers in Idaho, with an average monthly rate of $40 for state minimum coverage. This figure is significantly lower than the average cost, ensuring cost-effective protection for those starting their driving journey.
Who offers the cheapest car insurance rates for seniors in Idaho?
State Farm is known to provide some of the most affordable car insurance rates for seniors in Idaho, with an average monthly rate of $30, significantly lower than the state's average.
Should you buy the cheapest car insurance available in Idaho?
While the allure of the lowest-priced car insurance can be strong, ensure adequate financial protection against significant losses. State Farm offers a blend of affordability and quality service that stands out as the best car insurance in Idaho, particularly for full coverage options starting at around $46.
On the other hand, American National P&C provides an excellent balance of cost-efficiency and reliable protection, with minimum coverage policies beginning at just $17, earning its reputation among Idaho drivers seeking the most affordable and dependable car insurance coverage.
How much does car insurance in Idaho cost, on average?
On average, full coverage car insurance in Idaho costs around $71 per month, while minimum coverage is generally around $34 per month. While opting for the less expensive minimum coverage option might seem attractive, it's critical to have sufficient coverage to shield you from significant financial losses in case of an accident. Choosing the right balance in your insurance plan ensures your protection without overpaying.
What are car insurance requirements in Idaho?
In Idaho, drivers are required to carry minimum coverage auto insurance, which includes Bodily Injury Liability at $25,000 per person and $50,000 per accident, along with Property Damage Liability of $15,000 per accident. While opting for the most economical plan might seem attractive, it's crucial to safeguard against significant financial losses that could arise. It's wise to assess your needs carefully and consider more comprehensive coverage to ensure adequate protection on the road.
Affordable Car Insurance in Idaho: How We Found the Best Cheap Rates
MoneyGeek obtained Idaho auto insurance rates from the Idaho Department of Insurance and Quadrant Information Services. We examined 22,176 auto insurance quotes from 12 providers across 21 ZIP codes to determine the most affordable car insurance companies in Idaho.
Idaho Driver Profile
We used a driver profile with the following background information to identify the cheapest auto insurance companies in Idaho:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.
Standard Coverage Levels in Idaho
We compared car insurance companies in Idaho that offer both minimum and full coverage policies. The minimum coverage liability limits in Idaho are:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $15,000 for property damage liability per accident
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
Home and Auto Coverage Levels in Idaho
MoneyGeek analyzed the rates of insurance companies for a full-coverage auto insurance policy that includes the following coverage and limits:
- $100,000 in property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.