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Compare car insurance in Idaho

Get the cheapest car insurance in Idaho for 2020

Updated

Idaho street up view

If you’re driving in Idaho, you’ll need to carry a minimum level of liability coverage. You’ll also have the option to carry additional protection on your policy, which might better protect you, your vehicle, your passengers and your fellow travelers on the road. Shopping around may allow you to find insurance cheaper than Idaho’s average annual car insurance cost of around $1,410.

Idaho

Car insurance quick facts

25/50/15

Minimum liability requirements

$1,410

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.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare Idaho car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Geico
Optional
26%
All 50 states
Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.
Farmers
15%
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
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Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$149,26614.3%
Geico$115,12811.0%
Farm Bureau Mutual$111,96410.7%
Liberty Mutual$106,25710.2%
Progressive$103,1749.9%
Allstate$85,9728.2%
Farmers$83,0197.9%
USAA$63,0666.0%
American Family$32,9533.2%
Travelers$20,3511.9%

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
Grange$85
Allstate$190Get a quote
American National$263
State Farm$276Read review
Enumclaw$344
USAA$361Read review
Safeco$398
Metromile$419
Progressive$525Get a quote Read review
Geico$638Read 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
Allstate$1419
American Family$1234
Farmers$1280
Metromile$1005
Progressive$1340

Car insurance quotes in Twin Falls

CompanyAnnual car insurance rate
Allstate$1509
American Family$1381
Farmers$1192
Metromile$997
Progressive$1428

Car insurance quotes in Meridian

CompanyAnnual car insurance rate
Allstate$1481
American Family$1241
Farmers$1075
Metromile$1001
Progressive$1265

Car insurance quotes in Nampa

CompanyAnnual car insurance rate
Allstate$1584
American Family$1379
Farmers$1249
Metromile$1046
Progressive$1329

Car insurance quotes in Post Falls

CompanyAnnual car insurance rate
Allstate$1343
American Family$1352
Farmers$1024
Metromile$1033
Progressive$1263

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

Read more on this topic

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