We looked at some of the leading insurance carriers to find the best car insurance in Idaho. We compared providers based on their premiums, coverage options, discounts, customer satisfaction and more. Idaho has some of the nation’s cheapest insurance rates, and we found that the best car insurance companies in Idaho offer affordable rates 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 | $246 | $853 | A++ | 844 |
| Farmers | $256 | $797 | A | 813 |
| Farm Bureau | $423 | $1,512 | A- | N/A |
| USAA | $201 | $725 | A++ | 884 |
Information accurate as of July 2021
* Data provided by Bankrate.com
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Northwest region. Based on a 1,000-point scale.
State Farm
Best overall
Why we chose it
Why we chose it
Pros
- Excellent brand reputation
- Many coverage options
- Above-average claims satisfaction
- Low premiums
Cons
- Below-average customer satisfaction
- Fewer discounts than other companies
Discounts Available
- Drivewise
- Steer Clear
- Accident-free
- Defensive driving
- Student discounts
- Driver training
- Good driving
- Vehicle safety features
- Multi-car
- Multiple-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
- Below-average customer satisfaction
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
* Data provided by Bankrate.com.
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Northwest region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in Idaho
Idaho has some of the cheapest car insurance rates in the nation. Despite the rough winters in some parts of the state, Idaho is generally free of extreme weather and has a low uninsured driver rate, keeping premiums low. Average rates are $307 per year for minimum coverage and $1,045 per year for full coverage, according to 2021 data from Bankrate.com. For reference, the national average is $565 per year for minimum coverage and $1,674 per year for full coverage.
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 can all increase or decrease your rates.
Top 3 Cheapest Car Insurance Companies in Idaho
| Company | Average Annual Full Coverage Premium* |
| American National | $434 |
| USAA | $725 |
| Oregon Mutual | $796 |
* Data provided by Bankrate.com.
Top 3 Most Expensive Car Insurance Companies in Idaho
| Company | Average Annual Full Coverage Premium* |
| Allstate | $1,639 |
| Sentry | $1,540 |
| Farm Bureau | $1,512 |
* Data provided by Bankrate.com.
Top 3 Cheapest Cities for Car Insurance in Idaho
| City | Average Annual Full Coverage Premium* |
| Robie Creek | $934 |
| Boise City | $938 |
| Meridian | $939 |
* Data provided by Bankrate.com.
Top 3 Most Expensive Cities for Car Insurance in Idaho
| City | Average Annual Full Coverage Premium* |
| Moyie Springs | $1,128 |
| Bonners Ferry | $1,128 |
| Naples | $1,127 |
* Data provided by Bankrate.com.
Car Insurance Add-Ons That May Further Protect You
- New car replacement: This optional coverage ensures that if you total your new car, your car insurance company will replace it.
- 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.
- 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.
- 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.
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 and uninsured motorist coverage.
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 or 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 is required in Idaho — sort of. Insurance providers are required to include uninsured motorist coverage in all policies. However, the insured individual has the right to reject the coverage in writing.
Idaho’s At-Fault Law
Idaho is an at-fault state for car insurance, meaning the at-fault driver in an accident is responsible for the costs of any property damage or bodily injury.
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 scores and online resources from each company to determine top providers.
As for average pricing, we used Bankrate.com’s data of car insurance in Idaho, based on the profiles of a 40-year male and female. 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 determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 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.
