HomepageInsuranceCarThe Best Idaho Auto Insurance Company

The Best Idaho Auto Insurance Company

Reviews.com reviews products and services to help you make well-informed choices. Although, our writers and editors follow a strict methodology for presenting information, our posts may reference products from our partners. For more information, learn how we make money. This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our
Insurance Disclosure This content is powered powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Advertising Disclosure This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews. The offers and clickable links that appear on this advertisement are from companies that compensate Homeinsurance.com LLC in different ways. The compensation received and other factors, such as your location, may impact what ads and links appear, and how, where, and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available to you as a consumer. We strive to keep our information accurate and up-to-date, but some information may not be current. Your actual offer terms from an advertiser may be different than the offer terms on this widget. All offers may be subject to additional terms and conditions of the advertiser.

Save money on auto coverage with our simple comparison tool.

Please enter a valid zip code

Powered by HomeInsurance.com (NPN: 8781838)
Insurance Disclosure This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Click at least 2-3 companies to find the very best rate.

    Advertiser Disclosure

    Close icon.

    We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

    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

    Compare the Top Car Insurance Companies in Idaho

    CompanyAverage Price for State Minimum* Average Price for Full Coverage* AM Best Financial StrengthJ.D. Power Customer Satisfaction**
    State Farm$246$853A++844
    Farmers$256$797A813
    Farm Bureau$423$1,512A-N/A
    USAA$201$725A++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

    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.
    • $853* Average Premium Pricing data comes from our partners at Bankrate.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.
    • $797* Average Premium Pricing data comes from our partners at Bankrate.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

    Farm Bureau

    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.
    • $1,512* Average Premium Pricing data comes from our partners at Bankrate.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-Centric Options

    Why we chose it

    Military members and their families can get car insurance with exceptional customer satisfaction at an affordable rate with USAA.
    • $725* Average Premium Pricing data comes from our partners at Bankrate.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 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

    CompanyAverage 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

    CompanyAverage 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

    CityAverage 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

    CityAverage 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.

    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.

    Table Of Contents