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
| Company | Average Price for State Minimum* | Average Price for Full Coverage* | Reviews.com Score | AM Best Financial Strength | J.D. Power Overall Customer Satisfaction |
| State Farm | $413.89 | $1,328.67 | 4.4/5 | A++ | 814/1,000 |
| Farmers | $465.73 | $1,539.47 | 3.8/5 | A | 810/1,000 |
| Farm Bureau Mutual of Idaho | $622.77 | $2,171.35 | N/A | A- | N/A |
| USAA | $415.98 | $1,284.53 | 4.8/5 | A++ | 883/1,000 |
Information accurate as of 11/17/2020
* Data provided by Coverage.com
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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.
Further Reading on State Farm:
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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.
Further Reading on Farmers:
Farm Bureau Mutual of Idaho
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
* Data provided by Coverage.com, price based on the state minimum required policy.
**Information wasn’t available.
USAA
Best for military families
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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.
Further Reading on USAA:
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
| Company | Average 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
| Company | Average 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
| City | Average 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
| City | Average 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.
