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Compare car insurance in Idaho

Get the cheapest car insurance in Idaho for 2021

The average annual cost of car insurance in Idaho is $1,410. Narrow down car insurers offering coverage in Idaho by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

Compare up to 4 providers


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost

Varies by county

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Most popular Idaho auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$149,26614.3%
Farm Bureau Mutual$111,96410.7%
Liberty Mutual$106,25710.2%
American Family$32,9533.2%

Cheap car insurance in Idaho

Car insurance costs vary by state, city and ZIP code. Idaho sits near the median cost for car insurance nationwide, which is around $83 a month or $998 a year. This is slightly lower than the national average of $118 a month or $1,410 a year.

Factors that can influence your insurance cost include your driving record, your age and your car. Location-based factors can come into play as well, like crime rates where you live or work. If you live near a city, you could expect rates to go up too, since accidents are more common in cities than in rural areas.

Compare Idaho car insurance

CompanyAverage annual rateLearn more
Allstate$190Get a quoteRead review
American National$263
State Farm$276Get a quote
USAA$361Get a quoteRead review
Metromile$419Get a quoteRead review
Progressive$525Get a quoteRead review
Geico$638Get a quoteRead review

Which city has the cheapest car insurance in Idaho?

Of Idaho’s largest cities, Twin Falls has the cheapest rates and Nampa has the most expensive car insurance rates. Nampa drivers could face rates 2 times more than Twin Falls drivers.

Car insurance quotes in Boise

CompanyAnnual car insurance rate
American Family$1234

Car insurance quotes in Twin Falls

CompanyAnnual car insurance rate
American Family$1381

Car insurance quotes in Meridian

CompanyAnnual car insurance rate
American Family$1241

Car insurance quotes in Nampa

CompanyAnnual car insurance rate
American Family$1379

Car insurance quotes in Post Falls

CompanyAnnual car insurance rate
American Family$1352

Car insurance requirements in Idaho

In order to legally drive in Idaho, you’ll need liability insurance that at least includes:

  • $25,000 for bodily injury to one person in a single accident.
  • $50,000 for total bodily injury to two people or more in an accident
  • $15,000 for property damage

When shopping for car insurance, you’ll sometimes see this written as 25/50/15.

You’re also required to purchase uninsured or underinsured motorists coverage (UM/UIM). This coverage protects you if you get into a car accident with someone who doesn’t have enough insurance to cover the damages caused by an accident.

Car insurance for high-risk drivers in Idaho

If you’re having issues finding affordable coverage or you’ve been rejected because you’re considered a high-risk driver, you can try getting insurance through the Western Association of Automobile Insurance Plans (WAAIP). With WAAIP, you can get affordable coverage through an automatically assigned provider.

Can I get SR-22 insurance in Idaho?

Yes, you can get SR-22 insurance in Idaho, and you might need it if you’ve gotten a DUI, lost your license or have too many violation points on your driving record. An SR-22 on file tells the state you have the minimum coverage required to get back behind the wheel.

How to file an SR-22 in Florida

Bottom line

Car insurance is both legally required and oftentimes a good decision for your own safety. Research your insurance options to make sure that you’re receiving the coverage that you need — and that your state requires.

To learn more about car insurance in general, from the best discounts and rates to the varying laws of the land, check out our comprehensive guide to car insurance.

Frequently asked questions about Idaho car insurance

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