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The Best Idaho Auto Insurance Company

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    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 Mutual of Idaho: Best for local providers
    • USAA: Best for military families

    Compare the Top Car Insurance Companies in Idaho

    CompanyAverage Price for State Minimum* Average Price for Full Coverage* Reviews.com ScoreAM Best Financial StrengthJ.D. Power Customer Satisfaction**
    State Farm$413.89$1,328.674.8A++844
    Farmers$465.73$1,539.473.8A813
    Farm Bureau Mutual of Idaho$622.77$2,171.35N/AA-N/A
    USAA$415.98$1,284.534.8A++884

    Information accurate as of July 2021

    * Data provided by Coverage.com

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Northwest region. Based on a 1,000-point scale.

    State Farm

    State Farm

    Best overall

    Why we chose it

    State Farm is the leader in car insurance in Idaho, offering reliable coverage options with excellent financial strength.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $413.89* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 844* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm is the leader in car insurance in Idaho, offering reliable coverage options with excellent financial strength.

    Pros

    • Excellent brand reputation
    • Many coverage options
    • Above-average claims satisfaction
    • Low premiums

    Cons

    • Below-average customer satisfaction
    • Fewer discounts than other companies
    Read More

    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

    Farmers

    Best for discounts

    Why we chose it

    Farmers offers Idaho drivers the most ways to save, with a generous list of discounts available.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $465.73* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 813** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Farmers offers Idaho drivers the most ways to save, with a generous list of discounts available.

    Pros

    • Many discounts available
    • Excellent coverage options
    • High policy limits

    Cons

    • Below-average customer satisfaction
    Read More

    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 Mutual of Idaho

    Farm Bureau Mutual of Idaho

    Best for local providers

    Why we chose it

    Those who prefer to work with a local company can get basic car insurance from Farm Bureau, for members only.
    • N/A Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $622.77* Average Premium Pricing data comes from our partners at Coverage.com.
    • A- AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • N/A** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Those who prefer to work with a local company can get basic car insurance from Farm Bureau, for members only.

    Pros

    • Solid local coverage

    Cons

    • Only available to Farm Bureau members
    • Few coverage options
    • No online quotes
    • High premiums
    Read More

    Discounts Available

    • Safe driver
    • Good student
    • Mature driver
    • Multiple car
    • Package discounts

    Types of Coverage Offered

    • Liability
    • Collision
    • Comprehensive

    USAA

    USAA

    Best for military families

    Why we chose it

    Military members and their families can get car insurance with exceptional customer satisfaction at an affordable rate with USAA.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $415.98 Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 884** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Military members and their families can get car insurance with exceptional customer satisfaction at an affordable rate with USAA.

    Pros

    • Low annual premiums
    • Excellent customer satisfaction

    Cons

    • Only available to military members and their families
    Read More

    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 Coverage.com, price based on the state minimum required policy.

    **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 $337 for minimum coverage and $1,055 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

    CompanyAverage Annual Premium
    Geico$386.75
    State Farm$413.89
    USAA$415.98

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Idaho

    CompanyAverage Annual Premium
    Metropolitan Property & Casualty$869.82
    American Family$679.37
    Viking Insurance$632.52

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Idaho

    CityAverage Annual Premium*
    Mountain Home$427.82
    Hailey$444.97
    Moscow$456.19

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Idaho

    CityAverage Annual Premium*
    Nampa $561.98
    Caldwell$553.14
    Eagle$545.47

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Car Insurance Add-Ons That Will 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 scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Idaho, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Idaho, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Erin Gobler is an insurance writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, banking, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor’s degree in Journalism from the University of Wisconsin-Oskosh. Erin’s favorite Reviews.com article is the State Farm Renters Insurance Review.

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