Low-cost car insurance in Idaho

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In Idaho, GEICO offers the cheapest average premium at $1,308 per year. For comparison, the statewide average monthly cost is $149, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Idaho, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver 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

Teen drivers in Idaho pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $5,360 more than a 40-year-old driver in Idaho.

The table below shows low-cost car insurance rates for drivers of different ages.

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 record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in Idaho

One speeding ticket in Idaho can cause your insurance rates to jump by 28%, or roughly $498 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even 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

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. State Farm has the lowest average rate at $1,691 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Idaho with the most affordable rates for drivers with an 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

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Idaho are more affordable than others. The table below shows which companies offer the lowest average 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 includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Idaho, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage 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 violation 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.