Non-owner auto insurance in Idaho: Which company has the cheapest rates?

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Non-owner car insurance in Idaho costs $190 a year, which is $163 lower than the national average, according to a 2023 rate analysis from Insure.com.

In Idaho, non-owner policies are available from companies such as Geico, State Farm and Nationwide.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Idaho.

How much does non-owner auto insurance cost in Idaho?

Non-owner insurance is usually cheaper than full coverage auto insurance—insurance companies view non-owner policyholders as less of a risk because they have limited access to a car.

On average in the U.S., it costs a driver with a clean driving record and good credit score $1,682 annually for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for any damages to property. Full coverage car insurance is $1,052 in Idaho.

Meanwhile, non-owner car insurance is $353 a year on average in the United States and $190 in Idaho.

But actual rates are based on where in Idaho you live, your age and driving history and other points.

Which insurer offers the cheapest non-owner insurance rates in Idaho?

With an average annual cost of $26, Auto-Owners’ non-owner insurance policy is Idaho’s most affordable.

At $383 a year, American Family charges the highest rate for non-owner insurance in the state.

Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below.

Cheapest non-owner insurance rates in Idaho

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Idaho by age?

Age is an important factor when it comes to pricing. Young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. Idaho non-owner insurance costs, on average, $745 a year for a 16-year-old, while it’s $186 for a 45-year-old driver.

Average non-owner auto insurance rates in Idaho by age and gender

Which Idaho cities have the cheapest non-owner car insurance?

There’s a great deal of variation from city to city when it comes to rates. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

Below are the cheapest and most expensive cities for non-owner car insurance in Idaho.

The 20 Idaho cities with the lowest non-owner auto insurance rates

The 20 Idaho cities with the highest non-owner car insurance rates

How much is non-owner auto insurance in Idaho’s 10 biggest cities?

The most populous cities in Idaho have varying non-owner insurance rates. The cost of non-owner insurance in Nampa is the most expensive at $222; Grangeville has the cheapest prices of the state’s largest cities at $178.

Non-owner car rates in Idaho’s 10 largest cities

How non-owner insurance rates in Idaho compare to rates in other states

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Idaho is $190 a year, which is lower than the national average of $353. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 per year and Iowa at $193 per year.

Non-owner auto insurance rates in the 10 most populous states

How to get non-ownercar insurance in Idaho

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly.

For a non-owner car insurance policy quote, you must call your insurer instead of visiting its website.

“Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Below are a few insurers with their phone numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.

Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.