Low-cost car insurance in Idaho

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GEICO provides the lowest car insurance rates in Idaho at $1,308 a year. The average premium is $149 per month in Idaho, though your actual rate may vary.

Car insurance requirements differ by state. In Idaho, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

GEICO has the lowest average car insurance premium in Idaho, costing $1,308 per year. That’s $483 the state average.
For drivers with an at-fault accident on record, State Farm offers the most affordable coverage at around $1,691 annually.
The 83706 ZIP code stands out as the cheapest area for auto insurance in Idaho, with an average yearly cost of $1,413.

Low-cost car insurance companies in Idaho

Among all insurers in Idaho, GEICO comes in lowest at $1,308 per year – $483 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Idaho.

Company	Average annual rates
GEICO	$1,308
State Farm	$1,452
Auto-Owners	$1,558
Farmers	$1,636
Travelers	$1,756
Nationwide	$1,802
Idaho Farm Bureau	$2,272
Allstate	$2,525
Sentry Insurance	$2,947
USAA*	$777

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Idaho

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Idaho

Drivers in the 83706 ZIP code pay the lowest average annual premium in Idaho, at $1,413. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
83706	Boise City	$1,413
83705	Boise City	$1,420
83646	Meridian	$1,423
83642	Meridian	$1,429
83702	Boise City	$1,435
83709	Boise City	$1,444
83704	Boise City	$1,454
83634	Kuna	$1,457
83714	Garden City	$1,460
83703	Boise City	$1,460

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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Idaho by city

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Low-cost car insurance in Idaho by age

Young drivers often face the highest premiums. In Idaho, for example, a 16-year-old pays $5,360 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$5,724
Young Adults (20-24)	$2,966
Adults (25-60)	$1,782
Seniors (65-75)	$1,752

Low-cost car insurance in Idaho by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Idaho

A single speeding ticket in Idaho can push your rates up by 28%, or about $498. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
GEICO	$1,308	$1,448	11%	$140
State Farm	$1,452	$1,563	8%	$111
Farmers	$1,636	$2,092	28%	$456
Travelers	$1,756	$2,340	33%	$584
Auto-Owners	$1,558	$2,341	50%	$783
Allstate	$2,525	$2,915	15%	$390
Nationwide	$1,802	$2,982	65%	$1,179
USAA*	$777	$983	26%	$206

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Idaho

State Farm offers the lowest car insurance rates to drivers after an at-fault accident at $1,691 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
State Farm	$1,452	$1,691	16%	$239
GEICO	$1,308	$2,145	64%	$837
Travelers	$1,756	$2,279	30%	$524
Auto-Owners	$1,558	$2,313	48%	$755
Farmers	$1,636	$2,840	74%	$1,203
Nationwide	$1,802	$3,133	74%	$1,331
Allstate	$2,525	$4,020	59%	$1,494
USAA*	$777	$1,139	47%	$362

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Idaho

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Idaho offer the most affordable rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
State Farm	$1,452	$1,563	$111	8%
Farmers	$1,636	$2,238	$602	37%
Travelers	$1,756	$2,441	$685	39%
Allstate	$2,525	$3,374	$848	34%
Auto-Owners	$1,558	$3,533	$1,975	127%
Nationwide	$1,802	$4,001	$2,198	122%
GEICO	$1,308	$4,005	$2,697	206%
USAA*	$777	$1,630	$853	110%

*USAA is only available to military community members and their families.

Average cost of car insurance Idaho

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

In Idaho, the average cost of full coverage is $722 less compared to the national average.

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in Idaho, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance in Idaho.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Idaho. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.