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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.

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.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare Idaho car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

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.

Cheapest car insurance in Idaho

CompanyAverage annual rateLearn more
Grange$85
Allstate$190
American National$263
State Farm$276
Enumclaw$344
USAA$361
Safeco$398
Metromile$419
Progressive$525
Geico$638

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.

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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