In a Nutshell
The average cost of car insurance in Idaho varies based on individual circumstances, such as credit score, age, driving history and vehicle. We’ve crunched the data for several different driver profiles and found some of the lowest-cost insurers for those in the Gem State.Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
Idaho offers several destinations to take in the state’s natural beauty, but you must ensure your ride is protected before you start your road trip.
We looked at estimated car insurance rates from insurance companies across Idaho to find the average cost of car insurance and which insurers offer the cheapest estimated rates for several driver profiles.
We based our calculations on a relatively neutral driver profile — no accidents, tickets or claims, for example — to evenly compare and get a baseline view of insurers’ rates for basic coverage (see our full methodology). Your rates may be higher or lower given your driving history and other factors that affect car insurance, like your vehicle type, mileage, coverage options and age.
Read on to learn about Idaho’s average car insurance rates and our findings for the cheapest options.
- Cost of car insurance in Idaho
- 5 cheapest car insurance companies in Idaho
- Cheapest state-minimum car insurance in Idaho
- Cheapest car insurance for good credit in Idaho
- Cheapest car insurance for poor credit in Idaho
- Cheapest car insurance for drivers with multiple claims in Idaho
- Cheapest car insurance for young drivers in Idaho
- Idaho auto insurance requirements
- Is usage-based insurance available in Idaho?
- FAQs about the cheapest car insurance rates in Idaho
- Methodology
Cost of car insurance in Idaho
Average monthly premiums for basic-coverage car insurance in Idaho range from just under $35 to over $60, depending on the type of coverage and driver profile.
Average monthly auto insurance premiums in Idaho
| Driver or coverage | Avg. monthly cost |
|---|---|
| State-minimum car insurance in Idaho | $34.89 |
| Drivers with poor credit in Idaho | $55.55 |
| Drivers with multiple claims in Idaho | $61.03 |
| Young drivers in Idaho | $59.08 |
5 cheapest car insurance companies in Idaho
We found that American National offered the cheapest minimum-coverage car insurance for many different driver profiles. As detailed in our methodology, we’ve calculated the car insurance rates in this article based on a specific Idaho driver profile.
Unless otherwise noted, our driver profile is 36 to 45 years old, and has a 680 to 719 credit score, no tickets or coverage gaps and a $20,000 to $30,000 car value.
1. 1. American National P&C
With American National, our Idaho driver profile could find basic car insurance for as little as $13.67 per month. American National offers car insurance through local agents. Standout additional coverage options include roadside assistance, gap insurance and replacement parts insurance.
2. Auto-Owners Insurance
With Auto-Owners Insurance, our Idaho driver profile could find minimum-coverage car insurance for about $17.38 per month. Auto-Owners also sells insurance through independent agents. In addition to state-minimum coverage policies, optional coverages include collision, comprehensive, uninsured/underinsured motorist, medical payments, road trouble service, additional expense, loan/lease gap and diminished value.
Check out reviews of Auto Owners car insurance.3. USAA
USAA could offer our Idaho driver profile a monthly policy for as low as $20.49 per month for basic coverage. USAA members (U.S. military members and their spouses and children of USAA members) can access USAA car insurance. With USAA’s SafePilot program, drivers may be able to save money by tracking and recording their safe driving habits.
Check out reviews of USAA car insurance.4. Grange
Grange could offer our Idaho driver profile minimum-coverage car insurance for as low as $27 per month. This insurer also sells car insurance through local agents. It provides state-minimum coverage, as well as optional add-ons such as collision, comprehensive, uninsured/underinsured motorist, roadside assistance, rental reimbursement, new car replacement and full glass coverage. Grange can also help insure your boat, RV and motorcycle, and it offers various ways to save with a long list of possible discounts.
5. Oregon Mutual
Finally, Oregon Mutual could offer our Idaho driver car insurance for as little as $28.08 per month for a basic-coverage policy. Oregon Mutual also offers policies through local agents. This insurance agency has offered personal, commercial and agricultural insurance for more than 125 years. Oregon Mutual offers additional policy options such as auto glass coverage, 24-hour towing and roadside assistance, and a Customer Automobile Appraisal and Repair Service.
Cheapest state-minimum car insurance in Idaho
Idaho requires drivers to carry a minimum 25/50/15 insurance policy. This required insurance, called state-minimum insurance, is typically the cheapest car insurance you can buy. It may be suitable coverage for older vehicles or someone looking to pay as little as possible on their premium.
These five insurance companies may offer the lowest-cost insurance for drivers seeking state-minimum coverage.
5 cheapest car insurance companies in Idaho for state-minimum coverage
| 1 | American National P&C | $13.67/month |
| 2 | Auto-Owners Insurance | $17.38/month |
| 3 | USAA | $20.49/month |
| 4 | Grange | $27.00/month |
| 5 | Oregon Mutual | $28.08/month |
Cheapest car insurance for good credit in Idaho
Insurers look at several things to determine the cost of car insurance. One of the big factors is your credit. Typically, customers with high credit scores will pay less for car insurance than customers with poor credit.
These companies may offer the cheapest car insurance for drivers with good credit.
5 cheapest car insurance companies in Idaho for those with good credit
| 1 | American National P&C | $9.22/month |
| 2 | Auto-Owners Insurance | $12.99/month |
| 3 | USAA | $18.20/month |
| 4 | State Farm | $24.35/month |
| 5 | Grange | $24.78/month |
Cheapest car insurance for poor credit in Idaho
Drivers with poor credit scores may pay more for car insurance than drivers with good credit. But there are other ways to keep costs down, like maintaining a record of safe driving behavior.
These five car insurance companies could offer the lowest rates for drivers with poor credit.
5 cheapest car insurance companies in Idaho for those with poor credit
| 1 | Grange | $34.08/month |
| 2 | USAA | $36.19/month |
| 3 | Geico | $39.76/month |
| 4 | Auto-Owners Insurance | $40.10/month |
| 5 | Nationwide | $41.21/month |
Cheapest car insurance for drivers with multiple claims in Idaho
Your record also plays a role in how much you pay for car insurance. If you have made multiple claims with your insurer, you may be paying more for car insurance.
The following companies have the lowest estimated rates for drivers with multiple claims by insurance companies.
5 cheapest car insurance companies in Idaho for multiple claims
| 1 | American National P&C | $25.33/month |
| 2 | Auto-Owners Insurance | $34.29/month |
| 3 | Nationwide | $35.71/month |
| 4 | American Family | $44.42/month |
| 5 | Allied | $45.75/month |
Cheapest car insurance for young drivers in Idaho
Finally, your age can be a factor in the amount you pay for car insurance. Generally, younger drivers are considered riskier to insure, and their policies may cost more than older drivers.
These five companies have the lowest estimated rates for young drivers between the ages of 18 and 21.
5 cheapest car insurance companies in Idaho for young drivers
| 1 | American National P&C | $26.17/month |
| 2 | Auto-Owners Insurance | $31.25/month |
| 3 | USAA | $42.54/month |
| 4 | Geico | $44.06/month |
| 5 | Allstate | $47.07/month |
Idaho auto insurance requirements
Idaho requires $25,000 per person and $50,000 per accident for bodily injury liability, and $15,000 for property damage liability. If you have a car loan or lease, your coverage responsibilities may be more extensive.
Is usage-based insurance available in Idaho?
Usage-based insurance is a type of vehicle insurance that allows customers to pay premiums based on their driving behavior. In Idaho, drivers may be able to utilize their insurers’ UBI programs to save money on their car insurance.
FAQs about the cheapest car insurance rates in Idaho
Idaho requires $25,000 per person and $50,000 per accident for bodily injury liability, and $15,000 for property damage liability.
Idaho is an at-fault insurance state, which means the person determined to have caused an accident will be financially responsible for the damages other people incur.
We found that American National offered the cheapest car insurance for several Idaho driver profiles.
Methodology
The estimated rates in this article are the lowest estimated rates based on the profile of a driver ages 36 to 45 living in Idaho. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 or higher. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those ages 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.
Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on factors such as age, vehicle driving habits, and history.
The average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes Idaho-mandated 25/50/15 insurance policy.