Cheapest Car Insurance In Idaho For 2022


WRITTEN BY: Julia Matseikovich

UPDATED: SEPTEMBER 14, 2022 | 3 MIN READ

​​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.

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.

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 and FR-44 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 car 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 In Idaho By City

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

CityAverage Idaho Car Insurance CostDifference From Idaho Average
Boise$938-10%
Caldwell$1,010-3%
Idaho Falls$1,0541%
Nampa$1,000-4%
Meridian$939-10%

Average Cost of Car Insurance In Idaho 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
USAA$725
State Farm$853
Farmers$797

Average Cost of Car Insurance In Idaho 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 In Idaho By Gender

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

GenderAverage Full-Coverage Premium (Annually)
Male$1,025
Female$995

Average Cost of Car Insurance In Idaho 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
Idaho$1,935$1,585$1,300$900

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
Accident$1,395
DUI/DWI$1,796

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.