It’s important for drivers in every state to understand local car insurance requirements. This article reviews the best options for car insurance in Idaho. Learn about state minimum coverage requirements and see which providers have the best reputations and cheapest premiums in Idaho.

We’ve reviewed the best auto insurance companies in the country, and this article takes a look at some of those top providers with a focus on costs and reputation in Idaho specifically. Of course, the ohenly way to find the cheapest premium is to compare personalized auto insurance quotes from multiple companies. Get started using the free tool below.


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Cheapest Car Insurance Companies In Idaho

According to our cost estimates for Idaho, USAA, State Farm, and Progressive are among the cheapest full-coverage providers.

Car Insurance ProviderAverage Annual Cost Estimate
State Farm$797.00
Farm Bureau$1,355

Cost Of Car Insurance In Idaho

The cost of car insurance in Idaho is lower than the average across all states. According to the National Association of Insurance Commissioners (NAIC), the average premium expenditure for coverage in Idaho was $829 in 2018. This is the most recent year covered by an NAIC report. The average premium for all states was $1,056 for that same year.

See more details about average annual premiums for car insurance in Idaho below:

Type Of CoverageAverage Annual Expenditure
Liability coverage$426.00
Collision coverage$263.00
Comprehensive coverage$140.00
Total Cost$829.00

*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.

The average total insurance premium for all states in 2018 was significantly higher than the total premium cost for Idaho drivers. Of course, your own rates may vary depending on the following factors:

  • Age
  • Marital status
  • Gender
  • City
  • Vehicle
  • Driving record

Annual Idaho Car Insurance Estimates By Age

24-year-olds can pay up to 69 percent more for car insurance than 35-year-olds.

AgeIdaho Annual Car Insurance

Annual Idaho Car Insurance Estimates By Gender

Males only have a slight increase in average car insurance costs compared to females.

GenderIdaho Annual Car Insurance

Annual Idaho Car Insurance Estimates For Drivers With Bad Credit

Drivers with poor credit can pay up to 54 percent more for car insurance than drivers with good credit.

Credit RatingIdaho Annual Car Insurance

Annual Idaho Car Insurance Estimates For Bad Drivers

Accidents, speeding tickets, and DUIs can greatly affect your annual premium costs.

Driving RecordIdaho Annual Car Insurance
Speeding Ticket$1,290.00
At-Fault Accident$1,549.00

5 Best Car Insurance Companies In Idaho

Our review team took a look at how top-rated providers performed based on Idaho insurance requirements and customer service rankings specific to Idaho. Here are the providers that we recommend in the Gem State.

Best Car Insurance in IdahoMotor1 RatingAverage Cost
1. Geico Car Insurance$4.60N/A
2. USAA Car Insurance$4.80$658
3. Progressive Car Insurance$4.60$890
4. The Hartford Car Insurance$4.10N/A
5. State Farm Car Insurance4.6$797

*Not all companies were included in our rate estimates for each state. You may also notice that some car insurance companies are listed above those with higher star ratings. This is because our star ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for car insurance in Idaho.

#1 Geico: Best Overall Provider

We rank Geico highly because of its well-established industry reputation and high level of customer satisfaction. We’ve found that Geico policies are often the cheapest in any state, and Idaho is no different.

In the J.D. Power 2021 U.S. Auto Insurance Satisfaction StudySM, Geico scored a total of 821 out of 1,000 points in the Northwest region (which includes Idaho, Montana, Oregon, Washington, and Wyoming). This score put it in fifth place for the region and just below the regional average of 827.

Geico has an A+ rating from the Better Business Bureau (BBB) and an A++ financial strength rating from AM Best. These scores indicate that Geico has the means to fulfill claims obligations and that it can be trusted to treat customers well.

One reason Geico policies are so inexpensive is that the provider offers numerous discounts, which include:

  • Good student discount
  • Good driver discount
  • Defensive driver discount
  • Vehicle safety device discounts
  • Anti-theft device discounts
  • Multiple policy discount
  • Military discount
  • Federal employee discount

Geico even offers accident forgiveness as an add-on to their policies, or for free to drivers who maintain a clean driving record for a number of years.

Geico ProsGeico Cons
Superior financial strength rating and A+ rating from the BBBAverage quotes experience
Many choices for coverageUsage-based app not available in all states
High level of customer satisfaction
Available in 50 states

To learn more about the company, read our full Geico review.

#2 USAA: Best For Military

USAA actually scored highest in the J.D. Power Satisfaction Study for the Northwest region, with a total of 884 out of 1,000 points. It was ineligible to rank, however, because USAA policies are not available to everyone. To be eligible to purchase USAA auto insurance, drivers must be military members or family members of someone who is or was in the military.

For those who are eligible, USAA offers what is often the lowest-cost insurance and the most well-regarded customer service. Like Geico, USAA has an A++ financial strength rating from AM Best and a proven history of paying out claims.

USAA customers may be eligible for the following discounts:

  • Military garaging discount
  • Low annual mileage discount
  • Safe driving discount
  • Driving research discount
  • Defensive driving discount
  • Driver training course discount
  • Good student discount
  • New vehicle discount
  • Automatic payments discount
  • Family discount

While premiums will vary based on a number of factors such as age, driving history, and location, USAA often offers the most affordable insurance options to drivers who are eligible.

Affordable rates and numerous discountsOnly available for military members and their families
Good choice for military service members
Superior financial strength rating and A+ rating from the BBB

Learn more about USAA by reading our full USAA insurance review.

#3 Progressive: Best For High-Risk Drivers

Progressive does not rate as highly in customer satisfaction as USAA or Geico, but the company is recognized as one of the top auto insurers in the United States. Progressive receives a low number of complaints relative to the size of its customer base.

We consider Progressive a top choice for high-risk drivers because of the number of discounts available to those with less-than-perfect driving records. Progressive discount opportunities include:

  • Deductible savings bank: For every six-month period drivers go without an accident or ticket, drivers receive $50 toward their next deductible.
  • Policy bundling: Bundling your auto insurance policy with another type of insurance offered by Progressive can result in up to five percent off your auto premium. Other policies offered include Progressive motorcycle insurance, home insurance, boat insurance, renter’s insurance, RV insurance, ATV insurance, Segway insurance, snowmobile insurance, and golf cart insurance.
  • Snapshot® app: The Snapshot app allows customers to receive discounts for safe driving. Poor driving can result in your rates increasing, but according to Progressive, most people save around $145 by using the program.

Progressive also has a Name Your Price® tool that allows potential customers to look for policies based on the amount they want to pay. Customers can set a maximum premium amount, and Progressive will find a policy that meets that budget.

Progressive ProsProgressive Cons
One of the top auto insurers in the U.S.Average claims process
Superior financial strength ratingHigher rates than some competitors
Great choice for high-risk drivers
Several money-saving features and easy quotes process

For more information, read our full Progressive insurance review.

#4 The Hartford: Best For AARP Members

Like USAA, The Hartford is not available to all drivers. Only those with an AARP membership are eligible for a policy. However, for those who do qualify, The Hartford offers low auto insurance rates and exceptional service.

The company is based in Hartford, Connecticut, and has been serving customers since 1810. It has a well-established reputation in the industry and offers many types of auto insurance, including classic car insurance. One unique detail about The Hartford’s policies is that they all include lifetime renewability, meaning the company promises that current customers will never be denied coverage in the future.

Discount opportunities offered by The Hartford include:

  • Policy bundling discount
  • Pay-in-full discount
  • Anti-theft device discount
  • Defensive driving discount
  • Electric vehicle discount
  • Driver training discount

While final costs will vary from customer to customer, The Hartford may offer the best rates for seniors.

The Hartford ProsThe Hartford Cons
Variety of plan options in all 50 statesHigh rates for younger drivers
Rate locks for 12 months and lifetime renewabilityAARP membership required
Superior financial strength rating and A+ rating from the BBB
Discounted rates for people over 50 years old

For more information about this provider, read our full review of The Hartford insurance.

#5 State Farm: Best For Students

State Farm has comprehensive coverage options as well as a strong reputation with customers. The company is known for handling claims quickly and for having a fast and easy online quotes process.

In 2019, State Farm wrote over $40 billion in premiums, making it the second-largest provider in the country, behind Geico. State Farms sells policies for cars and also offers State Farm motorcycle insurance, boat insurance, ATV insurance, motorhome insurance, and more.

State Farm offers some of the best car insurance for college students because of the cost-saving opportunities available to young drivers. A full lineup of State Farm discounts includes:

  • Safe driving discount
  • Defensive driving discount
  • Drivers ed discount
  • Good student discount
  • Student away at school discount
  • Safe vehicle discount
  • Loyalty discount

State Farm customers who go accident-free for nine years also receive an accident forgiveness benefit.

State Farm ProsState Farm Cons
Comprehensive coverage options and extensive selection of discountsReported errors with autopay
Largest auto insurer in the countryNot taking new customers in Massachusetts or Rhode Island
Positive customer reviews and easy online quotes processHigher rates than some competitors
Superior financial strength rating and A+ rating from the BBB
Many discounts for teens and students

Learn more about the company by reading our State Farm insurance review.

Idaho Car Insurance Requirements

Idaho drivers are required to maintain the following minimum liability auto insurance policies:

  • $25,000 per person bodily injury liability
  • $50,000 per accident bodily injury liability
  • $15,000 per accident property damage liability

As Idaho is not a no-fault insurance state, there are no requirements for personal injury protection policies. However, it is generally recommended that any driver in Idaho purchase more than just the state-required minimums. Consider a full coverage auto insurance policy that includes comprehensive insurance, collision insurance, uninsured/underinsured motorist coverage, and medical payments coverage.

Idaho drivers who do not maintain at least the state minimum coverage requirements mentioned above may be subject to the following penalties:

  • First offense: Fine up to $7
  • Second offense within 5 years: Fine up to $1,000 and imprisonment up to 6 months

You don’t want to get caught driving without car insurance in Idaho. Though the cost of insurance can be high, it isn’t worth the heavy fines and potential jail time that results from driving without insurance.

What To Know About Driving In Idaho

According to data collected by the Insurance Institute for Highway Safety (IIHS), the average Idaho driver covered 14,138 miles in 2018. The same data also reported 231 traffic deaths that same year.

Given the size of the Idaho population, this means that more people die in car accidents in Idaho relative to other U.S. states. There were 1.3 deaths per 100 million vehicles miles traveled and 13.2 deaths per 100,000 people. Both of these numbers exceed the national averages of 1.13 deaths per 100 million miles and 11.2 deaths per 100,000 people.

It’s important to not only protect your finances by purchasing full coverage insurance policies, but also to protect your life by driving carefully and wearing a seatbelt. Idaho has an average annual snowfall of 38.9 inches, which exceeds the national average of 27.8 inches. This may be one of the reasons that driving in the Gem State is more dangerous than other places. Be sure to equip your car for winter conditions if driving in Idaho during colder months.

Final Thoughts

While driving in Idaho may be slightly more dangerous than it is in other states, the cost of Idaho car insurance is lower than most other places in the country. If you’re looking for the best car insurance in Idaho, be sure to consider Geico, USAA, Progressive, The Hartford, and State Farm.

Of course, there may be other Idaho providers that are better for your needs. The only way to know for sure is to get free, personalized car insurance quotes from multiple companies. You can do so using the free tool below.

Compare auto insurance rates
Enter your zip code to shop for the best rates in your area:

FAQ: Car Insurance In Idaho


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.