Best Car Insurance in Idaho for 2025 [Find the Top 10 Companies Here]
State Farm, Geico, and Farmers provide the best car insurance in Idaho. Idaho car insurance rates start at only $15 a month. These top car insurance companies in Idaho offer competitive pricing, top-rated customer service, and flexible coverage to suit the different needs of Idaho motorists.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Apr 15, 2025
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19,116 reviewsCompany Facts
Full Coverage in Idaho
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
3,072 reviewsCompany Facts
Full Coverage in Idaho
A.M. Best Rating
Complaint Level
Pros & Cons
3,072 reviewsState Farm, Geico, and Farmers provide the best car insurance in Idaho, with rates as low as $15 per month.
These providers are known for their exceptional assistance, affordable rates, and customizable coverage.
Our Top 10 Company Picks: Best Car Insurance in Idaho
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $53 | B | Customer Service | State Farm |
 | #2 | $57 | A++ | Low Rates | Geico |
 | #3 | $92 | A | Custom Coverage | Farmers |
 | #4 | $91 | A+ | Usage-Based | Progressive |
 | #5 | $128 | A+ | Accident Forgiveness | Allstate |
 | #6 | $40 | A++ | Military Families | USAA |
 | #7 | $79 | A | Coverage Options | Liberty Mutual |
 | #8 | $93 | A | Safe Drivers | American Family |
 | #9 | $82 | A+ | Safe Rewards | Nationwide |
 | #10 | $57 | A++ | Comprehensive Coverage | Travelers |
To add more, these companies offer competitive rates, comprehensive premiums, and high satisfaction for quick claims.
- The best car insurance in Idaho offers low rates and great coverage
- State Farm, Geico, and Farmers provide top service and discounts
- Idaho drivers save with bundling, safe driving, and usage-based plans
Read more to understand the top providers and what they are known for, and explore the different types of car insurance coverage.
Looking for the best car insurance rates in Idaho? Start by exploring quotes tailored to your area. Enter your ZIP code to compare car insurance quotes in Idaho.
#1 – State Farm: Top Overall Pick
Pros
- Trusted Customer Support: State Farm’s dedication to quality customer service is evidenced by its quick claims processing, which earned it a prominent position in Idaho.
- Affordable Multi-Policy Discounts: Idaho motorists can receive a 17% discount on bundling policies. Learn more about it in this State Farm car insurance review.
- Solid Financial Strength: With some of the highest financial ratings, State Farm offers residents peace of mind, knowing it’s financially stable and ready to meet claims needs.
Cons
- Higher Premiums for Poor Credit: Idaho truck insurance options may provide more affordable alternatives than State Farm for drivers with poor credit scores.
- Limited Digital Experience: Compared to other insurers, the online platform could be more user-friendly, leaving some Idahoans looking for easier digital options.
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#2 – Geico: Best for Low Rates
Pros
- Affordable Rates: According to our Geico car insurance review, it consistently reflects competitive rates, and Idaho motorists can get affordable coverage.
- Exclusive Discounts: Exclusive discounts for military personnel, federal workers, and safe drivers, all customized to the local Idaho car insurance requirements of residents.
- Convenient Tech Features: The mobile app is easy to use for managing claims and policy updates, providing a seamless experience to ID policyholders.
Cons
- Customer Service Delights: Others experience slower response times when handling more complicated claims, which could be frustrating.
- Limited Coverage Options: While Geico is often praised for its low rates, it may not offer as many coverage options as other local car insurance providers in the region.
#3 – Farmers: Best for Custom Coverage
Pros
- Flexible Policy Options: Idaho motorists can customize their policies to encompass distinctive coverages, such as farm or rural auto coverage, to meet their demands.
- Bundling Discounts: Idaho policyholders save significantly by bundling home and auto insurance.
- Accident Forgiveness: As our Farmers car insurance review suggests, drivers in Idaho avoid steep rate increases after their first accident, making it an excellent option.
Cons
- Higher Costs for Young Drivers: Teen drivers and younger individuals may find Idaho auto insurance quotes from other providers more budget-friendly.
- Limited Availability in Rural Areas: Some specialized coverage options Farmers offer may not be accessible in certain rural regions across Idaho.
#4 – Progressive: Best for Usage-Based Program
Pros
- Snapshot Program: As our Progressive car insurance review reveals, safe drivers can reduce premiums in Idaho according to their driving history.
- Name Your Price Tool: Idaho residents can name their budget and locate the coverage that matches their financial limit, making obtaining affordable options much more direct.
- Gap Insurance: This option is perfect for Idaho residents financing or leasing cars. It fills the gap between the car’s value and the loan amount.
Cons
- Possible Rate Hikes: Bad driving behavior in the Snapshot program may increase rates, impacting those seeking the cheapest car insurance in Idaho.
- Lower Customer Service Ratings: Some Idaho policyholders reported slower claims processing.
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#5 – Allstate: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Ideal for drivers in Idaho seeking peace of mind after an accident. For more insights, check out our Allstate car insurance review.
- Vanishing Deductible: Safe drivers in Idaho can enjoy lower premiums as their deductible decreases, rewarding their commitment to safe driving.
- Extensive Agent Network: Allstate has a sizeable local agent network that extends extensive support to Idaho residents, allowing them to a in-person service when required.
Cons
- Higher Prices: Certain Idaho drivers might enjoy cheaper options from other insurance providers since Allstate offers higher prices to specific profiles.
- Limited Discounts for Riskier Drivers: Drivers with previous accidents may not qualify for many of Allstate’s discounts especially for those using their towing reimbursement form.
#6 – USAA: Best for Military Families
Pros
- Affordable Military Rates: USAA provides affordable rates for military families in Idaho.
- Exclusive Military Benefits: Exclusive benefits for military members include deployment coverage. Read our USAA car insurance review to learn more.
- High Claim Satisfaction: Famous for having high claims satisfaction and reliable car insurance, guaranteeing smooth processing.
Cons
- Eligibility Limitations: These are available only to military personnel and families, limiting options for the broader Idaho population.
- Limited Branch Locations: Idaho has fewer in-person branches, making USAA less accessible than other providers.
#7 – Liberty Mutual: Best for Coverage Options
Pros
- Comprehensive Coverage: Liberty Mutual has unique features such as improved car replacement and new car coverage, which are perfect for ID drivers looking for car insurance.
- 24/7 Accessible Claims Support: As noted in our Liberty Mutual car insurance review, drivers can submit claims at any time, which means they have consistent assistance.
- Inexpensive Bundling Discounts: Bundling insurance policies is an excellent opportunity for Idaho households to save money on their premiums.
Cons
- Higher Premiums for Some Drivers: Drivers in Idaho who don’t qualify for available discounts may face elevated rates when searching for car insurance for Idaho drivers.
- Mixed Claims Experience: Some Idaho customers have shared concerns about slow claims processing, which may impact those relying on them.
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#8 – American Family: Best for Safe Drivers
Pros
- Perfect for Safe Drivers: Those with a clean driving record can take advantage of discounts. The American Family car insurance review offers options for individuals looking to save.
- Flexible Coverage Options: Ideal for Idaho drivers who want to customize their policies. You can review several Idaho insurance quotes to find one that fits.
- Timely Customer Support: Idaho citizens are privileged to enjoy good customer service ratings, particularly in claims servicing and general support.
Cons
- Expensive for High-Risk Drivers: When comparing Idaho insurance quotes, drivers with a history of violations may find more affordable options elsewhere.
- Limited Coverage Availability in Rural Areas: Certain Idaho locations may have fewer agent offices or limited options, making accessing necessary support harder.
#9 – Nationwide: Best for Safe Rewards
Pros
- Safe Driving Discounts: Nationwide car insurance review highlights significant savings for Idaho drivers who use telematics-based monitoring.
- On Your Side Review: Idaho residents can benefit from a free consultation to optimize their auto insurance coverage in Idaho.
- Vanishing Deductible: Safe drivers in Idaho can reduce their deductibles over time.
Cons
- Limited Local Agents: Few in-person agents are available, making it harder for Idahoans who prefer face-to-face service to find support.
- Higher Costs for Low-Mileage Drivers: Infrequent drivers may face higher premiums, making it less ideal for those seeking affordable auto insurance in Idaho.
#10 – Travelers: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage Options: Travelers’ car insurance review emphasizes the wide range of protection offered, such as rental car reimbursement for Idaho motorists.
- Eco-Friendly Car Discounts: Idaho hybrid or electric car drivers can earn discounts, which is a good option for finding the best Idaho car insurance.
- Convenience in Bundling: By bundling car and home insurance, Travelers make it simple for Idaho residents to take advantage of complete coverage and cost savings.
Cons
- Increased Premiums for Hazardous Drivers: Idaho drivers who have been involved in accidents or have been penalized should expect their premiums to rise.
- Limited Physical Locations: Travelers may not have as many local offices, which could be a drawback for Idaho drivers who prefer in-person service.
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Car Insurance Coverage and Rates in Idaho
Idaho motorists have several different insurance choices, with different prices among providers. Full coverage can cost as much as $128 a month through Allstate, but minimum coverage is available for $11 a month through USAA. Comparing quotes for auto insurance in Idaho is how to get the best value.
Idaho Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $37 | $128 |
| $28 | $93 |
| $27 | $92 |
| $16 | $57 |
| $23 | $79 |
| $24 | $82 |
| $26 | $91 |
| $15 | $53 |
| $17 | $57 |
| $11 | $40 |
Full coverage entails liability, collision, and comprehensive insurance, which provides higher financial protection. When buying car insurance, consider both price and coverage to ensure the right balance for your needs.
A multi-policy discount helps lower costs by bundling auto and home insurance with the same provider. Companies like State Farm and Allstate offer this. Other discounts, such as safe driver or student savings, can also reduce insurance expenses.
Best Car Insurance Discounts in Idaho
Idaho motorists can save money on car insurance by taking advantage of discounts such as bundling policies, good driving, and anti-theft systems. If you’re wondering how to lower your car insurance cost, these alternatives can prove to be effective.
Car Insurance Discounts From the Top Providers in Idaho
| Insurance Company | Available Discounts |
|---|---|
| Multi-policy, Safe driver, Anti-theft device, Good student, Pay-in-full, Auto-pay |
| Multi-policy, Defensive driver, Safe driver, Good student, Auto safety equipment |
| Multi-policy, Good student, Homeowner, Signal (usage-based), Anti-theft, Pay-in-full |
| Multi-policy, Defensive driving, Good driver, Good student, Military, Vehicle safety |
| Multi-policy, Vehicle safety, Good student, Pay-in-full, Military, Hybrid/electric |
| Multi-policy, SmartRide (usage-based), Good student, Accident-free, Anti-theft |
| Multi-policy, Snapshot (usage-based), Good student, Homeowner, Continuous insurance |
| Multi-policy, Good driver, Good student, Defensive driving, Safe vehicle, Steer Clear |
| Multi-policy, Safe driver, Hybrid vehicle, Homeownership, Continuous insurance |
| Multi-policy, Safe driver, Good student, Military, Vehicle storage, New car |
The percentage of savings varies, with bundling offering up to 25% and good driving records yielding discounts of up to 23%. Comparing Idaho car insurance quotes will help you find the best discounts available for your needs.
Idaho Auto Insurance Discounts
| Insurance Company | Anti-Theft | Bundling | Good Driver | Good Student | UBI |
|---|---|---|---|---|---|
| 10% | 25% | 20% | 10% | 15% |
| 12% | 20% | 22% | 8% | 14% |
| 10% | 25% | 20% | 9% | 12% |
| 15% | 15% | 22% | 10% | 18% |
| 10% | 20% | 20% | 8% | 15% |
| 12% | 20% | 22% | 9% | 14% |
| 12% | 20% | 21% | 9% | 16% |
 | 15% | 25% | 20% | 10% | 17% |
| 10% | 20% | 20% | 8% | 13% |
| 10% | 15% | 23% | 10% | 12% |
By comparing discounts such as military, hybrid car, or homeowner discounts, Idaho motorists can save money. Comparing these alternatives using Idaho car insurance quotes helps you discover the best policy within your means.
Minimum Car Insurance Coverage in Idaho
In Idaho, every driver must carry a minimum of bodily injury liability coverage to pay for accident costs. It must include $25K in one person’s injuries, $50K for several, and $15K for property damages.
Idaho Auto Insurance Monthly Rates by Coverage Level for Top Providers
| Insurance Company | Low Coverage | Medium Coverage | High Coverage |
|---|---|---|---|
| $110 | $140 | $170 |
| $105 | $135 | $165 |
| $120 | $150 | $180 |
| $95 | $125 | $155 |
| $125 | $155 | $185 |
| $115 | $145 | $175 |
| $110 | $140 | $170 |
| $100 | $130 | $160 |
| $105 | $135 | $165 |
| $90 | $120 | $150 |
The average Idaho car insurance costs differ based on the level of coverage and insurer. USAA has the lowest prices at $90, and Liberty Mutual’s prices range from $145 to high coverage.
Average Monthly Auto Insurance Premiums in Idaho by Provider
| Insurance Company | Monthly Premium ($) |
|---|---|
| $125 |
| $115 |
| $130 |
| $110 |
| $145 |
| $120 |
| $118 |
| $112 |
| $123 |
| $95 |
As coverage levels increase, so do the premiums. For instance, with car insurance in ID, choosing medium coverage can cost you $120 with USAA, while Liberty Mutual would charge $155 for the same.
Additionally, Idaho law mandates uninsured motorist coverage matching your bodily injury liability coverage. If you opt for $75,000 in bodily injury coverage, you need $75,000 in uninsured coverage too.
State Farm offers Idaho drivers affordable rates and dependable coverage, making it a smart pick for balanced, comprehensive car insurance.Brad Larson Licensed Insurance Agent
For the average Idaho car insurance costs, USAA remains the most affordable at $95 monthly, while Liberty Mutual charges the highest at $145 for the top coverage option.
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Key Factors Affecting Car Insurance Coverage in Idaho
In Idaho alone, age and gender become significant considerations in the price of car insurance. Young people, particularly young men, pay more, but older drivers, on average, pay less.
Idaho Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $330 | $400 | $180 | $200 | $120 | $130 | $105 | $115 |
| $320 | $390 | $175 | $195 | $115 | $125 | $100 | $110 |
| $340 | $410 | $185 | $205 | $125 | $135 | $110 | $120 |
| $300 | $370 | $170 | $190 | $110 | $120 | $95 | $105 |
| $350 | $420 | $190 | $210 | $130 | $140 | $115 | $125 |
| $310 | $380 | $175 | $195 | $115 | $125 | $100 | $110 |
| $305 | $375 | $172 | $192 | $112 | $122 | $97 | $107 |
| $290 | $360 | $165 | $185 | $105 | $115 | $90 | $100 |
| $315 | $385 | $177 | $197 | $117 | $127 | $102 | $112 |
| $280 | $350 | $160 | $180 | $100 | $110 | $85 | $95 |
When comparing Idaho insurance quotes, you will find that prices differ based on gender and age. For instance, males aged 17 years old pay more than females at a number of providers.
Things you do that can raise your premiums are remaining unmarried. Unmarried men usually get billed more, while married couples receive lower premiums because of an assumed stability.
Idaho Auto Insurance Monthly Rates by ZIP Code
| ZIP | Monthly |
|---|---|
| 83716 | $81.08 |
| 83706 | $81.33 |
| 83646 | $81.42 |
| 83705 | $81.50 |
| 83702 | $81.67 |
| 83712 | $81.92 |
| 83642 | $82.42 |
| 83704 | $82.50 |
| 83703 | $82.58 |
| 83714 | $83.33 |
Your ZIP code is also a factor in Idaho’s average car insurance rates. Locations such as 83714 charge more, whereas others, such as 83716, charge slightly less. Location is something to consider when comparing Idaho insurance quotes.
Finding the Best Car Insurance Companies in Idaho
When looking for the best car insurance in Idaho, top providers like State Farm, Geico, and Farmers offer competitive rates, excellent service, and customizable coverage options tailored to Idaho drivers. Understanding different types of car insurance coverage helps.
Compare rates and be aware of the average car insurance cost in Idaho to secure the best coverage. Ready to find the best car insurance in Idaho? Use our free comparison tool to get started.
Frequently Asked Questions
What factors contribute to men in Idaho typically paying higher car insurance rates than women?
Men generally pay higher rates due to higher risk, but improving driving records and credit scores can help lower premiums. Look at the factors that affect the price of car insurance for expanded insights.
Which insurance companies offer the most competitive rates for Idaho drivers?
State Farm offers competitive rates with premiums as low as $11, making it a great choice for affordable, quality coverage in Idaho. Finding cheap car insurance quotes is easy.
Just enter your ZIP code into our free comparison tool to instantly compare quotes near you.
How does Idaho’s minimum liability coverage impact the overall cost of car insurance?
Idaho’s minimum liability coverage sets the required financial responsibility, influencing premiums for drivers seeking basic coverage.
Why is uninsured motorist coverage particularly important in Idaho?
Uninsured motorist coverage protects against uninsured drivers, covering medical expenses in accidents with at-fault uninsured drivers. Learn how the states rank on uninsured drivers.
How does bundling policies with providers like State Farm or Farmers help Idaho drivers save on insurance?
Bundling home and auto policies can save Idaho drivers up to 17% on total insurance costs, making it a smart way to reduce premiums.
What are the advantages of usage-based programs like Progressive’s Snapshot?
Programs like Snapshot® reward safe driving, potentially lowering premiums based on actual driving habits and helping Idaho drivers save money.
Why do younger drivers or those with lower credit scores face higher premiums in Idaho?
Younger drivers or those with low credit scores face higher premiums, but affordable options are available through providers offering discounts for safe driving. For more insights, explore our teen driver guide on the most common risks faced by new drivers.
What are the major differences in coverage options between providers like Geico and Liberty Mutual?
Geico focuses on affordable rates, while Liberty Mutual offers more customizable coverage options for tailored car insurance plans.
How do ZIP codes influence Idaho car insurance premiums?
Urban areas like Boise have higher premiums due to traffic risks, while rural areas tend to have lower premiums due to fewer claims. Ready to find cheaper car insurance coverage? Enter your ZIP code to begin.
How do certain factors affect the types of car insurance coverage Idaho residents should consider?
Rural driving and harsh winter conditions in Idaho make comprehensive collision coverage vital for protection against accidents and damage. Read more about car accidents & claims.