We reviewed leading carriers to identify the best car insurance in Idaho. We compared premiums, coverage options, discounts, service and stability using current 2025 data. Even after recent nationwide increases, Idaho remains among the least expensive states, and the best car insurance companies in Idaho generally deliver competitive prices without sacrificing coverage and customer service.
The 4 Best Auto Insurance Companies in Idaho
- State Farm: Best overall
- Farmers: Best for discounts
- Farm Bureau: Best for local providers
- USAA: Best for military-centric options
Compare the Top Car Insurance Companies in Idaho
| Company | Average Price for State Minimum* | Average Price for Full Coverage* | AM Best Financial Strength | J.D. Power Customer Satisfaction** |
| State Farm | Varies; often among lowest | Varies; often among lowest | A++ | See 2024 study** |
| Farmers | Varies; may be above the cheapest options | Varies; may be above the cheapest options | A | See 2024 study** |
| Farm Bureau | Varies; membership required | Varies; membership required | A- | N/A |
| USAA | Varies; often among lowest (eligible only) | Varies; often among lowest (eligible only) | A++ | Observed, not ranked** |
Information accurate as of November 2025
* Current Idaho averages reflect 2025 market studies (e.g., Bankrate, NerdWallet, The Zebra); individual quotes vary.
**J.D. Power 2024 U.S. Auto Insurance Study for the Northwest region. Based on a 1,000-point scale.
State Farm
Best overall
Why we chose it
Why we chose it
Pros
- Extensive local agent network
- Broad coverage and bundling options
- Strong financial stability
- Often competitive rates in Idaho
Cons
- Satisfaction varies by region and agent
- Telematics savings depend on driving behavior
Discounts Available
- Drive Safe & Save
- Steer Clear
- Accident-free
- Defensive driving
- Good student
- Driver training
- Good driver
- Vehicle safety features
- Multi-car
- Multi-policy
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Rental and travel expense
- Uninsured & underinsured motorist
- Medical payments
- Roadside assistance
- Rideshare driver
More State Farm Insurance Reviews
Farmers
Best for discounts
Why we chose it
Why we chose it
Pros
- Many discounts available
- Excellent coverage options
- High policy limits
Cons
- Quotes can be higher than Idaho’s cheapest options
Discounts Available
- Multi-line
- Multi-car
- Affinity member
- Paperless billing
- Good payer
- Safe driver
- Young driver discounts
- Shared family car
- Mature driver
- Homeowner
- Autopay
- Paid in full
- Vehicle safety features
Types of Coverage Offered
- Liability
- Collision
- Comprehensive
- Uninsured & underinsured motorist
- Medical payments
- Personal injury protection
- Towing and roadside service
- Rental reimbursement
- Rideshare
- Loss of use
- Guaranteed value
- Customized equipment
- Glass deductible buyback
More Farmers Insurance Reviews
Farm Bureau
Best for local providers
Why we chose it
Why we chose it
Pros
- Solid local coverage
Cons
- Only available to Farm Bureau members
- Few coverage options
- No online quotes
- High premiums
Discounts Available
- Safe driver
- Good student
- Mature driver
- Multiple car
- Package discounts
Types of Coverage Offered
- Liability
- Collision
- Comprehensive
USAA
Best for Military-Centric Options
Why we chose it
Why we chose it
Pros
- Low annual premiums
- Excellent customer satisfaction
Cons
- Only available to military members and their families
Discounts Available
- Safe driver
- Defensive driving
- Driver training
- Good student
- New vehicle
- Multi-vehicle
- Annual mileage
- Vehicle storage
- Family discount
- Length of membership
- Military installation
- Full pay
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Personal injury protection
- Extended benefits
- Uninsured & underinsured motorist
- Roadside assistance
- Rental reimbursement
- Accident forgiveness
More USAA Insurance Reviews
* Rate context reflects 2025 Idaho market studies (e.g., Bankrate, NerdWallet, The Zebra).
**J.D. Power 2024 U.S. Auto Insurance Study for the Northwest region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in Idaho
Idaho remains one of the least expensive states for auto insurance, though rates have climbed alongside national trends. Average rates are roughly $300–$400 per year for minimum coverage and about $1,300–$1,450 per year for full coverage based on 2025 market studies. For reference, national averages for full coverage commonly exceed $2,300.
In addition to your location and coverage level, many other factors can impact your car insurance rates. Your driving record, credit score, age and vehicle all influence pricing. Industry and government data indicate auto insurance costs rose sharply into late 2025, with the motor vehicle insurance index up roughly 19% year over year.
Top 3 Cheapest Car Insurance Companies in Idaho
| Company | Average Annual Full Coverage Premium* |
| Geico | Typically among the lowest for many good drivers (quotes vary) |
| USAA | Often among the lowest for eligible members |
| State Farm | Competitive for many profiles; often below the state average |
* Based on 2025 Idaho comparisons from independent market studies; individual premiums vary.
Top 3 Most Expensive Car Insurance Companies in Idaho
| Company | Average Annual Full Coverage Premium* |
| Allstate | Tends to be above the state average in many profiles |
| Farmers | Tends to be above the state average in many profiles |
| Progressive | Often above the state average depending on driver and ZIP code |
* Based on 2025 Idaho comparisons from independent market studies; individual premiums vary.
Top 3 Cheapest Cities for Car Insurance in Idaho
| City | Average Annual Full Coverage Premium* |
| Robie Creek | Often among the lowest (full coverage) |
| Boise City | Often among the lowest (full coverage) |
| Meridian | Often among the lowest (full coverage) |
* City-level averages vary by neighborhood and carrier; patterns reflect 2025 statewide pricing.
Top 3 Most Expensive Cities for Car Insurance in Idaho
| City | Average Annual Full Coverage Premium* |
| Moyie Springs | Often above the state average (full coverage) |
| Bonners Ferry | Often above the state average (full coverage) |
| Naples | Often above the state average (full coverage) |
* City-level averages vary by neighborhood and carrier; patterns reflect 2025 statewide pricing.
Car Insurance Add-Ons That May Further Protect You
- New car replacement: This optional coverage helps replace a totaled new car, typically within the first 1–2 years of ownership; availability varies by insurer.
- Gap insurance: If you total your car and owe more on your loan than the vehicle is worth, your car insurance company will cover the difference. Negative equity has been elevated recently, increasing the value of GAP on financed vehicles.
- Roadside assistance: If you find yourself stranded on the side of the road, this optional coverage can provide towing service, flat tire change and more — especially useful in winter and as repair times remain elevated versus pre‑pandemic norms.
- Uninsured motorist: If you’re in an accident where the at-fault driver doesn’t have car insurance, this optional coverage will cover your losses. Recent estimates suggest about one in seven U.S. motorists are uninsured; in Idaho, UM/UIM must be offered but can be rejected in writing.
Guide to Idaho Car Insurance
The car insurance laws vary from state to state, and drivers should be aware of their state’s laws before hitting the road. In Idaho, drivers are required to carry liability insurance; insurers must offer uninsured/underinsured motorist (UM/UIM) coverage, but you may reject it in writing.
Idaho Minimum Insurance Requirements
Like most other states, Idaho requires drivers to carry minimum liability insurance coverage. Failure to do so can result in fines, or even jail time for repeat offenders.
Minimum liability required in the state of Idaho is divided as follows:
- $25,000 for bodily injury or death of one person
- $50,000 for bodily injury or death of two or more persons
- $15,000 for injury to or destruction of property
Uninsured Motorist Coverage
Uninsured motorist coverage must be offered in Idaho, and insurers must also offer underinsured motorist coverage. However, the named insured has the right to reject these coverages in writing.
Idaho’s At-Fault Law
Idaho follows a modified comparative negligence rule (50% bar) within an at-fault system: an injured party’s recovery is reduced by their percentage of fault and is barred if they are at least 50% at fault.
Idaho Car Insurance FAQ
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction/claims research and online resources from each company, informed by current 2025 pricing studies and regional satisfaction findings.
As for average pricing, we referenced 2025 Idaho rate studies from sources such as Bankrate, NerdWallet and The Zebra, which use standardized driver profiles and carrier filings/quotes. For full coverage, the details used were the following:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To frame minimum coverage comparisons, sources use each state’s required minimums. Our base profile drivers own a Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
