Find Cheap Car Insurance in Idaho
American National is the best option for cheap car insurance rates in Idaho, according to QuoteWizard’s survey of companies that serve the state.
Idaho drivers pay an average of $120 per year when they buy the minimum amount of auto insurance the state requires from American National. And they pay an average of $259 per year when they buy a full-coverage policy from this company.
These rates are far below the state averages for car insurance policies. Based on our data, a typical driver in Idaho spends $369 per year on minimum coverage and $811 per year on full coverage.
Although we found that American National offers the cheapest car insurance rates in Idaho, don’t let it keep you from comparing quotes from other providers, too — like Grange, State Farm and USAA. Our research shows these insurers also offer affordable coverage.
Keep reading to learn more about:
- Where to buy cheap car insurance in Idaho
- Best car insurance companies in Idaho
- Idaho’s most popular auto insurance companies
- Auto insurance requirements in Idaho
Where can I get cheap car insurance in Idaho?
American National is the best company in Idaho for cheap car insurance if you want state-minimum coverage. It offered our sample driver an average annual premium of $120 for this type of policy.
American National also is the best company in Idaho for cheap full-coverage car insurance, which usually includes liability, collision and comprehensive coverage. It offered our driver an average annual premium of $259 for this kind of policy.
These average annual premiums are based on rate quotes gathered throughout the state for a typical driver.
A number of other companies offer affordable auto insurance to Idaho drivers, too. Grange leads the pack here. It sent our sample driver an average premium of $157 per year for state-minimum coverage.
This average annual premium is $37 per year more than what American National offered. But it’s also $212 per year less than the state average for this type of policy.
Grange offered our sample driver an affordable rate of $343 per year for full-coverage auto insurance as well. This average annual premium is $468 per year less than the state average for a full-coverage policy.
Besides American National and Grange, five other companies also offered our sample Idaho driver quotes for full-coverage car insurance that were cheaper than the state average. They are: USAA, State Farm, Oregon Mutual, GEICO and Auto-Owners.
If you’re tempted to get quotes from just American National and Grange, think twice. Instead, get and compare quotes from several insurers — the ones mentioned above, in particular.
Many factors determine what you pay for car insurance, including your age, your gender and where you live. As a result, the quotes these and other carriers send you might be more or less expensive than the average rates highlighted here.
What are the best auto insurance companies in Idaho?
American National is the best car insurance company in Idaho for drivers who want cheap coverage, according to our research. Check out Grange, State Farm and USAA, too, if you’re looking for an affordable policy.
American National: best car insurance rates in Idaho
American National sent our sample Idaho driver the lowest car insurance rates for both minimum-coverage and full-coverage policies.
American National sent our driver an average rate of $120 per year for the minimum amount of auto insurance Idaho requires. This is $249 per year, or about $21 per month, cheaper than the state average for such coverage.
American National also sent our driver an average rate of $259 per year for full-coverage auto insurance. This is $552 per year, or $46 per month, cheaper than the state average.
Grange: runner-up for cheapest car insurance rates in Idaho
The car insurance quotes Grange offered our Idaho driver were nearly as cheap as the ones American National offered.
Grange sent our sample driver an average premium of $157 per year for a state-minimum policy. This average annual premium is $37 per year, or $3 per month, more than what American National offered. But it’s also $212 per year, or about $18 per month, less than the state average for this type of policy.
Grange sent our sample driver an average premium of $343 per year for a full-coverage policy, too. This is $468 per year, or $39 per month, cheaper than the state average for this amount of auto insurance.
USAA and State Farm: two more great options for cheap car insurance in Idaho
The rates USAA and State Farm sent our sample Idaho driver weren’t as cheap as American National’s or Grange’s, but they were cheap enough that you should keep them in mind while shopping for car insurance.
Take the average quote of $296 per year that State Farm offered our driver for a minimum-coverage policy. That’s $73 per year cheaper than the state average.
Also, the average quote of $482 per year that USAA sent our driver for a full-coverage policy is $329 per year cheaper than the state average.
What are the most popular car insurance companies in Idaho?
State Farm doesn’t offer the cheapest car insurance rates in Idaho, but that hasn’t kept it from becoming the most popular car insurance company in the state. According to data from S&P Global, State Farm writes 14% of Idaho’s auto policies.
| Insurance company | Idaho market share | |||
|---|---|---|---|---|
| State Farm | 14% | |||
| Farm Bureau | 12% | |||
| Liberty Mutual | 11% | |||
| GEICO | 11% | |||
| Allstate | 10% | |||
| Progressive | 9% | |||
| Farmers | 8% | |||
| USAA | 7% | |||
| American Family | 3% | |||
| Travelers | 2% | |||
| Source: S&P Global | ||||
Grange, our runner-up for cheapest car insurance rates in Idaho, isn’t among the state’s 10 most popular car insurance companies. In fact, it commands just 0.6% of the market.
Our pick for best car insurance rates in Idaho, American National, is in a similar position. It writes 0.5% of the state’s auto policies and sits in 21st place as far as state market share is concerned.
What are Idaho’s car insurance requirements?
Idaho’s car insurance laws require drivers to have a minimum of 25/50/15 liability coverage. This means their auto policies must include at least:
- $25,000 of bodily injury liability coverage for the bodily injury to or death of one person in any one accident.
- $50,000 of bodily injury liability coverage for the bodily injury to or death of two or more persons in any one accident.
- $15,000 of property damage liability coverage for the injury to or destruction of property of others in any one accident.
Idaho car insurance policies also must include uninsured motorist coverage that matches these bodily injury liability limits. That said, you can reject this coverage in writing if you don’t need or want it.
SR-22 insurance in Idaho
You might need to file an SR-22 form with the state for one or more years if you lose your driving privileges for any of these reasons:
- Driving without insurance.
- Driving under the influence (DUI).
- Reckless driving.
- Eluding the police.
- Leaving the scene of an accident that results in death, injury, property damage or vehicle damage.
- Manslaughter in a motor vehicle.
- Using a motor vehicle to commit a felony.
An SR-22 form proves you’re carrying at least the minimum amount of liability car insurance coverage the state requires. You don’t file an SR-22 with the state yourself. Your insurance company files it for you. Your insurer will also let the state know if you cancel or terminate your policy.
Methodology
We conducted a comprehensive study of auto insurance rates in Idaho through Quadrant Information Services. The quotes we collected were for a single, 35-year-old male who has an excellent credit score and a clean driving record. He owns a 2012 Honda Accord and drives it an average of 15,000 miles a year. His car insurance policy has 100/300/50 coverage limits and a $1,000 deductible, where applicable.
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