Cheap car insurance in Idaho

How to get the best car insurance in Idaho

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How much is car insurance in Idaho?

Idaho has cheaper car insurance rates than many states, but it’s tough on drunk driving. You can find great rates in Idaho by shopping around and comparing deals on car insurance.


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.

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Choose from a long list of discounts and coverage for almost any driver.

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Compare Idaho car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Liberty Mutual
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
All 50 states
Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.

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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.

Cheapest car insurance in Idaho

CompanyAverage annual rateLearn more
American National$263
State Farm$276

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.

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

Which car insurance provider is best for me?

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