Cheapest Car Insurance Rates in Idaho for 2023

WRITTEN BY: Julia Matseikovich


​​Acquiring Idaho car insurance shouldn’t be stressful, and we’re here to help. In general, auto insurance in Idaho is inexpensive—less than the national average by 28.7%. Many different factors come into play to determine your insurance rate. We’re here to walk you through the process and find you the cheapest Idaho auto insurance.

Best Idaho Car Insurance Companies

There are a few different car insurance companies that offer great rates. Finding one that fits your needs for coverage is possible. Below are the best options for cheap auto insurance in Idaho. 

Cheapest Idaho Car Insurance Company

Auto Owners Insurance Logo

​​The cheapest car insurance company is Auto-Owners, with an average annual premium of $236 per year. That is only if you want minimum liability coverage. That’s 45% cheaper than the state average.

Company With the Best Customer Service

State Farm Auto Insurance

Idaho car insurance companies with the best customer service are as follows:

  • USAA: Ranked at the top of the list scored by J.D. Powers’ 2021 U.S. Auto Insurance Study as 884 out of 1,000.
  • State Farm: They scored an 844 on J.D. Power’s 2021 auto study.
  • PEMCO Insurance: Placed third in their region, scoring 835 in J.D. Power’s 2021 auto study.

Company With the Best Premium-Reducing Programs

USAA Insurance Logo

​​USAA is the Idaho car insurance company that offers the most premium-reducing discounts, including a safe driver discount, new vehicle discount, and annual mileage discount. Fortunately, it’s only available for military members and their families. Farm Bureau is the second insurance company with the most discounts, including safe driver, package discounts, mature drivers, multiple cars, and good student discounts.

Local and Regional Auto Insurance Companies in Idaho

CSE Insurance

CSE Insurance offers years of experience and a solid reputation for car insurance in Idaho. The carrier designs coverage options that meet your needs at affordable prices with expanded liability. 

CSE Insurance has coverages such as bodily injury liability, collision, comprehensive, medical payments, and property damage. You may also enhance your policy with full glass coverage, loan/lease gap coverage, and equivalent replacement cost. 

Discounts for Idaho drivers include policy savings for multiple vehicles, a home-auto bundle discount, and a good driving discount. 

Idaho Farm Bureau Insurance

Idaho Farm Bureau Insurance offers car insurance to Idaho residents since 1946. The dedicated insurer helps you meet the minimum requirements for Idaho vehicles and other coverages to expand your policy. 

Agents for Idaho Farm Bureau are local, so you get right from someone in your area and not across the country. Thousands trust Idaho Farm Bureau Insurance for their driving needs. 

The insurer offers Idaho customers safe drivers, good students, mature drivers, and package or bundle discounts. 

American Family Insurance

American Family Insurance insures motorists located throughout the Gem State. You can opt for minimum Idaho coverage or expand your policy with broad protection. 

American Family Insurance offers coverages for every driver, including collision, comprehensive, property damage liability, bodily injury liability, and medical expenses.

Rental reimbursement coverage helps you when you need transportation, while accidental death and dismemberment coverage pays for death or injuries from a car accident. 

American Family Insurance’s discounts apply for auto safety equipment, bundle policies, students away from home, and other factors. 

Idaho Insurance Demographics

Certain demographics determine the types of discounts you qualify for. 

  • Crime Rates: The 10-year average in Idaho is 17.56 crimes per 1,000 people. Compared to the national average of 25.61 crimes per 1,000 people.
  • Average Household Income: The average household income is $77,399. The Median household income is $58,915.
  • Median Age Range: The median age as of 2019 is 36.9 years.
  • Education: The educational attainment in Idaho is below the nation. Only 25% of Idaho’s residents 25 and over have earned a bachelor’s degree.

Common Risk Factors In Idaho

Common risk factors that increase car insurance rates are:

  • Speeding
  • Distracted driving
  • Reckless driving
  • At-fault accidents
  • Racing

Auto Insurance Laws In Idaho

If you’re a resident of Idaho, you must have a minimum amount of auto insurance to drive legally. Idaho car insurance laws require you to acquire at least 25/50/15 liability insurance. If you don’t carry the minimum insurance required, you could be classified as a high-risk driver and face other penalties.

What are the minimum car insurance requirements in Idaho?

The minimum legal requirement is at least 25/50/15 liability insurance. 

Am I required to carry uninsured motorist coverage in Idaho?

Uninsured motorist coverage isn’t required in Idaho. You’re able to reject the coverage in writing.

Idaho SR-22 policies

An SR-22 is a legal requirement for anyone with a DUI conviction, an at-fault collision, driving without insurance, or driving with a suspended license. It’s not an insurance policy but a form issued by your insurance company to ensure you’re insured. It’s not always possible to find cheap SR-22 insurance.

Is Idaho a no-fault state?

​​Idaho isn’t a no-fault state. In Idaho, you can sue another driver to recoup losses or pay for your pain and suffering if an accident occurs.

What happens if my vehicle isn’t properly insured in Idaho?

Idaho residents must carry proof of liability insurance and present it to an officer if they’re stopped. If you don’t have it, you have 30 days to provide it or risk registration suspension—failure to provide insurance results in a $75 fine.

Does Idaho accept digital insurance cards?

Idaho does allow digital proof of insurance. 

How Much Does Car Insurance In Idaho Cost?

The cost of auto insurance in Idaho depends on many different things, including where you live, your age, gender, credit score, driving record, and what company you choose. 

Average Cost of Car Insurance By City

Many companies offer cheap auto insurance in Idaho based on your city.

CityAverage Idaho Car Insurance CostDifference From Idaho Average
Idaho Falls$1,0541%

Average Cost of Car Insurance By Company

Shopping around for car insurance is the best way to find the cheapest rate.

Car Insurance CompanyAverage Full-Coverage Premium (Annually)
American National$434
State Farm$853

Average Cost of Car Insurance By Age

Depending on your age, you might be able to get lower car insurance rates. Older drivers typically get cheaper auto insurance in Idaho than young drivers.

AgeAverage Full-Coverage Premium (Annually)
Age 16$1,705
Age 18$3,586
Age 20$2,648
Age 25$1,460
Age 30$1,220
Age 40$1,163
Age 50$1,036
Age 60$1,009
Age 70$1,122

Average Cost of Car Insurance By Gender

Gender doesn’t have as significant an impact on car insurance premiums, but it is considered.

GenderAverage Full-Coverage Premium (Annually)

Average Cost of Car Insurance By Credit Score

Insurers consider a customer’s credit score because they believe that someone with a superior credit score is usually a more dependable driver.

PoorAverage GoodExcellent
National Average$3,002$1,907$1,771$1,556

Average Cost of Car Insurance In Idaho By Driving Record

If you’re an at-risk driver, you’ll likely pay more for car insurance in Idaho than a good driver.

Driving IncidentAverage Full-Coverage Premium (Annually)
Clean Driving Record$1,045
Speeding Ticket$1,213

What Optional Idaho Auto Insurance Coverages Should You Consider?

These are a few of the optional coverages available to you:

What Auto Insurance Discounts To Look For In Idaho

There are many different discounts available depending on your age and driving record. Ask your insurer if you qualify for safe driving discounts or multiple vehicle discounts. 

Idaho Car Insurance FAQs

How much does car insurance cost in Idaho?

The average cost of Idaho car insurance is $428 yearly.

Is car insurance cheap in Idaho?

Idaho car insurance is about 38% less expensive than the national average.

Is Idaho a no-fault state?

Idaho isn’t a no-fault state.

What is sr22 Insurance Idaho?

​​SR-22 insurance is required for drivers who commit serious traffic violations such as a DUI.

How long does an SR-22 last in Idaho?

An SR-22 lasts between one and three years in Idaho. 

How To Find the Cheapest Idaho Car Insurance

Finding the cheapest Idaho car insurance is simple. Use our online auto insurance quote tool to be matched with a policy that fits your needs and budget.