Auto Insurance in Idaho
Idaho’s auto insurance rates are on the low side — on average $1,031 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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Idaho is a long state north to south, which means there’s a variety of climate and weather patterns. However, the state is mountainous, as the Rocky Mountains run through it, and hazardous driving and threats of dangerous winter weather may affect your coverage options. Also, Idaho drivers are required by law to purchase liability coverage.
Luckily, state premiums are around $500 lower than the national average. However, the cost of car insurance can vary based on location. Before you purchase a plan, do some research about how much coverage will cost.
Idaho Minimum Liability
The state minimum liability coverage in Idaho is relatively low at 20/50/15, compared to the recommended minimum coverage of 50/100/50. This gets drivers $50,000 per person and $100,000 per accident bodily injury coverage, as well as $50,000 of property damage coverage. This coverage, however, is considered the bare minimum, and it’s ideal to have coverage closer to 100/300.
In 2013, the average auto liability claim for property damage was $3,231 and $15,443 for bodily injury. Because these claims represent the average cost of an accident, half of accidents cost more, and many are significantly more expensive. Any damage over your amount of coverage will have to be paid out-of-pocket, which can leave you tens or hundreds of thousands of dollars in debt.
Before you choose a policy, shop around to find the most coverage for the cheapest rate. Since companies calculate their rates on varying factors, you may find better deals with similar-seeming insurance companies. You can often find an unexpectedly great deal by shopping around and obtaining many quotes. It may take you some time, but the payoff is ultimately rewarding.
Cheapest Car Insurance in Idaho
- $761State Farm
- $1,070Farm Bureau of ID Group
- $1,188Liberty Mutual
For those drivers most concerned about the cost of auto insurance, these are the cheapest in the state of Idaho. While choosing a low-cost auto insurance company saves you money on premiums, it can cost you in other ways.
These cheap auto insurance companies often lack customer service quality and ease of claim reimbursement. Also, while many affordable national companies offer low insurance rates, they also offer a less intimate customer experience.
Most Popular Companies by Marketshare
- State Farm
- Farm Bureau of ID Group
- Liberty Mutual
These are the most popular car insurance companies in Idaho and are likely popular for addressing the specific needs of Idaho drivers.
Keep in mind, however, that most popular is not the same as best. These companies often have the biggest ad budgets to gain recognition. While they might be recognizable, they do not necessarily offer the best coverage or rates. It’s recommended to compare these popular companies with smaller providers in your area.
Choosing the Best Car Insurance in Idaho
When you choose an insurance company, it’s important to choose one that you are willing to use for the rest of your life. The top-rated car insurance companies listed here are well-known for offering excellent protection for both you and you car. Looking at coverage for these top companies is a good place to start.
These best insurance providers have excellent reputations in Idaho. They have been evaluated for customer service, premiums, coverage, fair claims, solid financial standing, real agents, and discounts.
Where is car insurance most affordable?
The rate you’ll pay for your insurance coverage will vary based on where you live, in addition to many other factors.
Residents of Idaho Falls pay the most for insurance followed by Pocatello. Nampa residents can expect a moderate cost for insurance while the lowest rates are in Boise. Prices in Idaho vary significantly based on where you live. Make sure to shop around for several quotes before choosing your plan.
Boise Auto Insurance
Boise is the most populous city in the state of Idaho, with a population of 205,671 residents. Known as a bustling metropolitan area, Boise is the most cosmopolitan region of the state. The city does offer its residents options for public transportation, but it’s primarily a driving town. Drivers should ensure that they purchase adequate protection for their vehicles. The cost of coverage in Boise is lower than the national average, and it is also low for the state of Idaho.
Idaho Falls Auto Insurance
Located in the eastern part of Idaho, Idaho Falls is a haven for nature lovers. With access to some of the best wildlife and outdoor recreational activities, the 58,292 that make up the population of Idaho Falls love to spend time outside. The cost of auto insurance coverage in Idaho Falls is the highest in the state but is much lower than the national average. Because Idaho Falls is an area in which most people drive cars, you’ll want to be sure to invest in adequate coverage for your vehicle.
Nampa Auto Insurance
Nampa is a metropolitan area located adjacent to Boise. With a population of 86,518, it is the second biggest city in the state and features beautiful weather and stunning outdoor public spaces. Interstate 84 runs through Nampa, which is primarily a driving town, so drivers should be sure to purchase adequate coverage for their vehicle. The cost of coverage in Nampa is lower than the national average, but it is higher than nearby Boise.
Pocatello Auto Insurance
Pocatello is located in the southeastern corner of Idaho, and it is home to 54,350 residents. Home to Idaho State University, Pocatello is a driver’s city, which means Pocatello residents should ensure they have proper auto insurance coverage. The cost of coverage in Pocatello is lower than the national average, but it is relatively high for the state.
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