State Farm has the cheapest car insurance rates in Idaho, with an average of $53 a month. USAA has the next-lowest rate of $57. Farm Bureau comes in third for cheapest auto insurance premiums in Idaho at $76 a month.
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What are the cheapest car insurance companies in Idaho?
State Farm is the cheapest auto insurance company in Idaho, with an average premium of $53 a month for minimum coverage. USAA is the next-cheapest option, with a monthly rate of $57. It should be noted, however, that USAA only provides car insurance to active and veteran military, as well as their families. For civilian drivers in Idaho, the next-cheapest provider is Farm Bureau at $76 a month. For a point of comparison, drivers in Idaho pay an average monthly rate of $100 for car insurance.
The cheapest minimum-coverage car insurance in Idaho
If you're looking for minimum-coverage car insurance in Idaho, you'll find the cheapest rate with State Farm at $53 a month. This is 47% cheaper than the Idaho state average. Most Idaho drivers who aren't in the military find the next-most-affordable liability auto insurance with Farm Bureau, which offers an average monthly rate of $76 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $53 |
| USAA | $57 |
| Farm Bureau | $76 |
| American Family | $108 |
| Allstate | $109 |
| GEICO | $112 |
| Farmers | $138 |
| Auto-Owners | $150 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Minimum-coverage car insurance takes care of expenses that arise from auto accidents you're found responsible for. Most states require you to carry minimum limits of car insurance in order to be street legal. Idaho's liability car insurance limits are:
- Bodily injury per person: $25,000
- Bodily injury per accident: $50,000
- Property damage liability per accident: $15,000
Full-coverage car insurance in Idaho
Idaho drivers looking for the cheapest full-coverage car insurance in Idaho find it with State Farm at $110 a month. USAA has the next-cheapest rate at $132 a month. This is limited to military personnel, however. If you're not currently enlisted or retired military, the next-lowest rate available is with Farm Bureau at $167 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $110 |
| USAA | $132 |
| Farm Bureau | $167 |
| American Family | $172 |
| GEICO | $253 |
| Farmers | $288 |
| Allstate | $294 |
| Auto-Owners | $311 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full-coverage car insurance isn't required by law, but it's still valuable to have. Full-coverage insurance takes care of the damages and injuries you suffer after an accident. If you only have minimum-coverage car insurance, any medical or repair bills you have come out of your own pocket.
Get cheap auto insurance in Idaho
Cheapest car insurance in Idaho after a driving offense
If you're looking for cheap car insurance in Idaho after you get an accident on your insurance record, State Farm has the lowest average rate of $58 a month. USAA is the next cheapest at $64 a month and Farm Bureau comes in third at $70 a month, on average.
| Company | Monthly rate |
|---|---|
| State Farm | $58 |
| USAA | $64 |
| Farm Bureau | $70 |
| American Family | $108 |
| GEICO | $111 |
| Auto-Owners | $119 |
| Allstate | $124 |
| Farmers | $149 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
If you have a speeding ticket in Idaho and are looking for your cheapest rates, Farm Bureau, State Farm and USAA are all neck and neck for the lowest average premium of $53 a month.
| Company | Monthly rate |
|---|---|
| Farm Bureau | $53 |
| State Farm | $53 |
| USAA | $53 |
| GEICO | $88 |
| Allstate | $103 |
| American Family | $108 |
| Auto-Owners | $113 |
| Farmers | $148 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for Idaho drivers with a DUI
Most Idaho drivers with a DUI find their cheapest car insurance rate with State Farm at $53 a month. Farm Bureau has the next-lowest average rate at $59 a month.
| Company | Monthly rate |
|---|---|
| USAA | $52 |
| State Farm | $53 |
| Farm Bureau | $59 |
| GEICO | $95 |
| Allstate | $105 |
| American Family | $107 |
| Auto-Owners | $113 |
| Farmers | $137 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
A DUI stays on your driving and insurance records for 10 years in Idaho. A first offense carries the following penalties:
- Up to six months in jail
- Up to $1,000 in fines
- A 30-day license suspension
If your license is suspended, Idaho state law requires you to file an SR-22 in order to reinstate it. This acts as proof of financial responsibility and that you carry Idaho's minimum car insurance limits. You will need to file the SR-22 for one year.
The cheapest car insurance for Idaho teens
State Farm carries the cheapest rates for most teen drivers in Idaho looking for minimum- or full-coverage auto insurance. Idaho teens pay an average of $192 a month for minimum-coverage insurance, and an average of $421 for full coverage. Teen drivers pay the highest rates for car insurance of any age group. This is because car insurers usually consider teen drivers to be the highest risk due to their lack of experience.
Cheap car minimum-coverage car insurance for Idaho teens
The majority of teen drivers in Idaho find their cheapest rate for liability auto insurance with State Farm, which has an average rate of $95 a month. Farm Bureau has the next-lowest rate for most of them at $98 a month.
| Company | Monthly rate |
|---|---|
| USAA | $95 |
| State Farm | $98 |
| Farm Bureau | $127 |
| American Family | $173 |
| GEICO | $194 |
| Allstate | $210 |
| Auto-Owners | $307 |
| Farmers | $334 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full-coverage car insurance for teen drivers in Idaho
If you're a teen driver in Idaho looking for full-coverage car insurance, State Farm has the lowest average rate of $207 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $207 |
| USAA | $223 |
| Farm Bureau | $282 |
| American Family | $293 |
| GEICO | $433 |
| Auto-Owners | $619 |
| Allstate | $622 |
| Farmers | $687 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for Idaho teens after a driving offense
After an accident, most Idaho teens get the cheapest car insurance from State Farm, with an average rate of $95 a month. Farm Bureau has the next-lowest rate for them at $131 a month.
| Company | Monthly rate |
|---|---|
| USAA | $90 |
| State Farm | $95 |
| Farm Bureau | $131 |
| American Family | $173 |
| GEICO | $196 |
| Allstate | $207 |
| Farmers | $328 |
| Auto-Owners | $329 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The majority of Idaho teens with a speeding ticket get the cheapest car insurance with State Farm, with an average rate of $98 dollars a month. Farm Bureau is the next-lowest rate at $140 a month.
| Company | Monthly rate |
|---|---|
| USAA | $96 |
| State Farm | $98 |
| Farm Bureau | $140 |
| American Family | $173 |
| GEICO | $202 |
| Allstate | $212 |
| Farmers | $328 |
| Auto-Owners | $329 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for Idaho teens with a DUI
After a DUI, most Idaho teen drivers get the cheapest rates with State Farm at $98 a month. Farm Bureau is right behind them at $99 a month.
| Company | Monthly rate |
|---|---|
| USAA | $90 |
| State Farm | $98 |
| Farm Bureau | $99 |
| American Family | $173 |
| GEICO | $178 |
| Allstate | $198 |
| Auto-Owners | $230 |
| Farmers | $331 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Compare car insurance quotes from top companies in Idaho
Cheapest car insurance for Idaho seniors
State Farm has the cheapest rates for senior drivers in Idaho looking for either minimum- or full-coverage car insurance. State Farm also has the cheapest rates for seniors if they have an accident, speeding ticket or DUI on their record. Not counting teens, seniors pay higher rates for car insurance than other age demographics. This is due to the slowing of reaction time that occurs with age.
Overall, seniors in Idaho pay an average of $57 a month for minimum-coverage car insurance and $120 a month for full-coverage.
Cheapest minimum-coverage car insurance in Idaho for seniors
Most Idaho seniors find the cheapest standard auto insurance with State Farm, with an average rate of $30 a month. Farm Bureau is the next-most-affordable provider at $46 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $30 |
| USAA | $36 |
| Farm Bureau | $46 |
| Allstate | $61 |
| American Family | $68 |
| Farmers | $68 |
| GEICO | $71 |
| Auto-Owners | $76 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full-coverage car insurance for senior drivers in Idaho
If you're a senior in Idaho looking for the best full-coverage car insurance rate, State Farm is the best choice at $60 a month. Farm Bureau has the next-lowest rate for most seniors at $100 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $60 |
| USAA | $83 |
| Farm Bureau | $100 |
| American Family | $102 |
| Farmers | $146 |
| Allstate | $147 |
| Auto-Owners | $158 |
| GEICO | $163 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheap car insurance for Idaho seniors with driving offenses
Seniors in Idaho with an accident on their record get the cheapest car insurance rates with State Farm, which has an average rate of $29 a month. The next-cheapest rate for most seniors is with Farm Bureau at $47 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $29 |
| USAA | $35 |
| Farm Bureau | $47 |
| Allstate | $56 |
| Farmers | $65 |
| American Family | $68 |
| GEICO | $71 |
| Auto-Owners | $80 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
If you're a senior in Idaho with a speeding ticket, State Farm has the lowest average rate of $30. Most Idaho seniors find the next-cheapest rate with Farm Bureau at $50 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $30 |
| USAA | $38 |
| Farm Bureau | $50 |
| Allstate | $62 |
| Farmers | $65 |
| American Family | $68 |
| GEICO | $79 |
| Auto-Owners | $83 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors in Idaho with a DUI
Seniors with a DUI in Idaho get the lowest rate for car insurance after a DUI with State Farm at $30 a month. The next-cheapest rate for most seniors is with Farm Bureau at $36 a month.
| Company | Monthly cost |
|---|---|
| State Farm | $30 |
| USAA | $31 |
| Farm Bureau | $36 |
| GEICO | $54 |
| Auto-Owners | $57 |
| Allstate | $60 |
| Farmers | $66 |
| American Family | $68 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance in Idaho by city
When looking at the biggest cities in Idaho, Rexburg has the best car insurance rates with an average of $43 a month. Post Falls and Twin Falls share the next-cheapest rate of $44 a month. Coeur d'Alene and Pocatello come in third with an average rate of $45 a month.
| City | Average rate |
|---|---|
| Rexburg | $43 |
| Post Falls | $44 |
| Twin Falls | $44 |
| Coeur d'Alene | $45 |
| Pocatello | $45 |
| Idaho Falls | $46 |
| Boise City | $47 |
| Caldwell | $47 |
| Meridian | $47 |
| Nampa | $50 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Idaho minimum car insurance requirements
Idaho drivers are required by law to carry the following minimum limits of car insurance:
- Bodily injury per person: $25,000
- Bodily injury per accident: $50,000
- Property damage liability per accident: $15,000
These amounts may seem like a lot, a long court case or hospital stay after an accident can be met or exceeded quickly. Once your policy limits are met, you'll have to pay any expenses resulting from the accident yourself. To avoid this, raise your rates to the following limits:
- Bodily injury per person: $100,000
- Bodily injury per accident: $300,000
- Property damage liability per accident: $100,000
Methodology
QuoteWizard studied thousands of rates through Quadrant Information Services using the following car insurance companies operating in Idaho:
- Allstate
- American Family
- Auto-Owners
- Farmers
- Farm Bureau
- GEICO
- State Farm
- USAA
Unless otherwise noted, the car insurance quotes analyzed were for a single, 35-year-old male with a clean driving record. He drives a 2012 Honda Accord LX an average 13,500 miles per year.
Sources:
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