Best Car Insurance in Idaho for 2025 [Find the Top 10 Companies Here] Car Insurance Guide (Cheap Rates + Best Companies)
The companies offering the best car insurance in Idaho are State Farm, Geico, and Farmers, with rates for only $11/mo. Notable for its excellent customer service, State Farm also has a 17% bundling discount. Geico is known for offering cheap rates, while Farmers provides coverage tailored to the drivers in Idaho.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
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UPDATED: Feb 4, 2025
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19,116 reviewsCompany Facts
Full Coverage in Idaho
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
2,903 reviewsCompany Facts
Full Coverage in Idaho
A.M. Best Rating
Complaint Level
Pros & Cons
2,903 reviewsState Farm, Geico, and Farmers provide the best car insurance in Idaho, with beginning rates for as low as $11 per month for exceptional assistance, affordable rates, and customizable coverage.
To add more, these companies offer competitive rates, comprehensive premiums, and high satisfaction for quick claims.
Our Top 10 Company Picks: Best Car Insurance in Idaho
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Customer Service | State Farm |
 | #2 | 25% | A++ | Low Rates | Geico |
 | #3 | 20% | A | Custom Coverage | Farmers |
 | #4 | 10% | A+ | Usage-Based | Progressive |
 | #5 | 25% | A+ | Accident Forgiveness | Allstate |
 | #6 | 10% | A++ | Military Families | USAA |
 | #7 | 25% | A | Coverage Options | Liberty Mutual |
 | #8 | 25% | A | Safe Drivers | American Family |
 | #9 | 20% | A+ | Safe Rewards | Nationwide |
 | #10 | 13% | A++ | Comprehensive Coverage | Travelers |
Read more below to understand the top providers and what they are known for, and explore the different types of car insurance coverage. Enter your ZIP code now to begin.
- The best car insurance in Idaho are State Farm, Geico, and Farmers
- State Farm offers excellent customer service for only $15 per month
- Geico and Farmers are known for providing low rates and coverage
#1 – State Farm: Top Overall Pick
Pros
- Excellent Customer Service: State Farm is a trusted provider for Idaho drivers notable for quick claims handling and reliable agents.
- Bundling Discounts: A 17% multi-policy discounts help residents of Idaho save on their overall insurance costs.
- Financial Stability: While providing the best financial ratings, policyholders in Idaho can feel the reliability of their claims.
Cons
- Higher Rates for Poor Credit: Despite being a tough contender, drivers with lower credit scores in Idaho may seek cheaper options.
- Limited Digital Tools: Compared to others, Idahoans don’t find their online experience user-friendly. Get more information through our State Farm car insurance review.
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#2 – Geico: Best for Low Rates
Pros
- Budget-Friendly Pricing: Provides the best and lowest rates available to help Idaho drivers save money. Visit our guide entitled “Will Geico Insure a Car Not in my Name?” for details.
- Diverse Discounts: Military, federal employees and safe drivers can enjoy the special savings tailored for the Idaho market.
- Tech-Friendly Experience: The advancement of the mobile app makes the handling of claims and policy changes easy for Idaho policyholders.
Cons
- Inconsistent Customer Service: Idaho drivers tend to report delays when handling claims that are complex.
- Limited Customization: Despite its budget-friendly rates, it may not provide other policy and coverage options, unlike other Idaho-based insurers.
#3 – Farmers: Best for Custom Coverage
Pros
- Highly Customizable Policies: This feature is ideal for drivers in Idaho whose standard include coverage options that are unique like farm or rural vehicle protection.
- Great for Homeowners: Provides Idaho residents exceptional discounts when bundling home and auto insurance.
- Accident Forgiveness: Ensures the drivers in Idaho don’t face sudden rate hikes after their first accident.
Cons
- Higher Premiums for Young Drivers: Younger drivers and teens in Idaho may seek rates with cheaper prices.
- Limited Rural Availability: Specialized coverage options may be limited and unavailable throughout the state. View other details through our Farmers car insurance review.
#4 – Progressive: Best for Usage-Based
Pros
- Snapshot Program: This feature helps safe drivers in Idaho reduce their premiums based on real driving habits.
- Name Your Price Tool: It gives the residents of Idaho control when looking for the coverage that suits their budget.
- Gap Insurance Available: This feature is a strong option for Idahoans financing or leasing vehicles.
Cons
- Potential Rate Increases: Drivers in Idaho whose performance in the Snapshot program is not good could experience increasing rates.
- Lower Customer Service Ratings: Policyholders in Idaho reported slower claims processing. See more information through our Progressive car insurance review.
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#5 – Allstate: Best for Accident Forgiveness
Pros
- Accident Forgiveness: This feature is great for drivers in Idaho who prioritize their peace of mind after experiencing an accident.
- Vanishing Deductible: This rewards long-term safe driving to minimize the costs for Idaho policyholders.
- Strong Agent Network: It offers residents of Idaho access to in-person assistance across Idaho. Explore more details through our Allstate car insurance review.
Cons
- Higher Premiums: Idaho drivers may find cheaper, more affordable policies with competitors.
- Limited Discounts for Riskier Drivers: Drivers in Idaho with past accidents may not get as many savings programs.
#6 – USAA: Best for Military Families
Pros
- Low Rates for Military Members: USAA provides the most affordable policies for military families in Idaho.
- Comprehensive Military Benefits: Includes unique and special coverage for deployment and vehicle storage in Idaho.
- High Claims Satisfaction: Members of the military in Idaho can expect reliable claims processing.
Cons
- Restricted Eligibility: Limited and only available to military personnel and their families, limiting options for the whole population of Idaho.
- Limited Physical Locations: Fewer in-person branches in Idaho compared to other providers. View details through our USAA car insurance review.
#7 – Liberty Mutual: Best for Coverage Options
Pros
- Unique Add-Ons: Liberty Mutual provides features like better car replacement and new car coverage for drivers in Idaho.
- 24/7 Claims Support: This ensures the residents of Idaho can file claims anytime they need help or assistance.
- Multi-Policy Discounts: It helps Idaho families save when bundling multiple types of insurance.
Cons
- Higher Premiums Without Discounts: Drivers in Idaho who don’t qualify for many discounts may pay higher rates.
- Mixed Reviews on Claims Handling: Customers in Idaho have reported slow claims resolutions. To know more, read our Liberty Mutual car insurance review.
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#8 – American Family: Best for Safe Drivers
Pros
- Great for Safe Drivers: This feature offers Idaho residents discounts for accident-free driving habits. Compare rates through our American Family vs. State Farm car insurance review.
- Customizable Coverage: This feature is an excellent choice for the policyholders of Idaho seeking flexible policy options.
- Strong Customer Service: The consistently high ratings for claims and support give Idaho drivers peace of mind.
Cons
- Higher Premiums for High-Risk Drivers: Drivers with a history of violations in Idaho may seek better deals elsewhere.
- Limited Availability in Some Areas: Some locations in Idaho may have limited and fewer agent offices.
#9 – Nationwide: Best for Safe Rewards
Pros
- Safe Driving Discounts: Nationwide provides Idaho residents significant savings for using telematics-based monitoring.
- On Your Side Review: This feature offers a free consultation that helps drivers in Idaho optimize their coverage.
- Vanishing Deductible: Minimizes deductible amounts over time for safe drivers in Idaho. Explore more about deductibles through our Nationwide car insurance review.
Cons
- Limited Local Agents: Fewer in-person locations are available for Idaho drivers who like being assisted face-to-face.
- Higher Costs for Low-Mileage Drivers: Those who drive infrequently in Idaho may not enjoy the cheaper and best rates.
#10 – Travelers: Best for Comprehensive Coverage
Pros
- Strong Comprehensive Coverage: Offers drivers in Idaho the extensive protection option, which includes rental car reimbursement.
- Discounts for Hybrid/Electric Cars: Incentivizes the Idaho residents who drive eco-friendly vehicles.
- Flexible Policy Bundling: This makes it easy for policyholders in Idaho to bundle auto, home, and umbrella insurance.
Cons
- Higher Rates for High-Risk Drivers: Drivers in Idaho with accidents or tickets may face higher costs. Visit our guide entitled “Car Insurance with Telematics” for assistance.
- Fewer Local Offices: Idaho drivers may prefer an insurer with more physical locations for face-to-face assistance.
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Best Car Insurance Coverage and Rates in Idaho
Understanding the best car insurance coverage and rates is essential to save time and money, especially for the people of Idaho.
Idaho Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $37 | $128 |
| $28 | $93 |
| $27 | $92 |
| $16 | $57 |
| $23 | $79 |
| $24 | $82 |
| $26 | $91 |
| $15 | $53 |
| $17 | $57 |
| $11 | $40 |
In this section, we will explore the monthly car insurance rates by provider and coverage and the different discounts from the top providers in Idaho.
Car Insurance Discounts From the Top Providers in Idaho
| Insurance Company | Available Discounts |
|---|---|
| Multi-policy, Safe driver, Anti-theft device, Good student, Pay-in-full, Auto-pay |
| Multi-policy, Defensive driver, Safe driver, Good student, Auto safety equipment |
| Multi-policy, Good student, Homeowner, Signal (usage-based), Anti-theft, Pay-in-full |
| Multi-policy, Defensive driving, Good driver, Good student, Military, Vehicle safety |
| Multi-policy, Vehicle safety, Good student, Pay-in-full, Military, Hybrid/electric |
| Multi-policy, SmartRide (usage-based), Good student, Accident-free, Anti-theft |
| Multi-policy, Snapshot (usage-based), Good student, Homeowner, Continuous insurance |
| Multi-policy, Good driver, Good student, Defensive driving, Safe vehicle, Steer Clear |
| Multi-policy, Safe driver, Hybrid vehicle, Homeownership, Continuous insurance |
| Multi-policy, Safe driver, Good student, Military, Vehicle storage, New car |
Keep reading to learn more about looking for the different types of car insurance coverage for your needs. Enter your ZIP code for us to help you better.
Minimum Car Insurance Coverage in Idaho
Each state requires something known as minimum car insurance coverage. This coverage ensures that should you be in an accident; you can pay for the costs of that accident (both the repair costs for vehicles and any medical bills that may be accrued) for either yourself or another driver should you be the driver at fault.
Idaho Auto Insurance Monthly Rates by Coverage Level for Top Providers
| Insurance Company | Low Coverage | Medium Coverage | High Coverage |
|---|---|---|---|
| $110 | $140 | $170 |
| $105 | $135 | $165 |
| $120 | $150 | $180 |
| $95 | $125 | $155 |
| $125 | $155 | $185 |
| $115 | $145 | $175 |
| $110 | $140 | $170 |
 | $100 | $130 | $160 |
| $105 | $135 | $165 |
| $90 | $120 | $150 |
Idaho follows a minimum liability coverage of 25/50/15. $25,000 is for the payment of any bodily injury of one person, known as bodily injury liability. $50,000 is for the payment of any bodily injuries of multiple people.
Lastly, $15,000 is for the payment of any property damage, known as property damage liability coverage.
Average Monthly Auto Insurance Premiums in Idaho by Provider
| Insurance Company | Monthly Premium ($) |
|---|---|
| $125 |
| $115 |
| $130 |
| $110 |
| $145 |
| $120 |
| $118 |
| $112 |
| $123 |
| $95 |
In addition, Idaho requires that all drivers also avail themselves of the uninsured motorist coverage to protect themselves from uninsured drivers, which is equal to the insured’s selected bodily liability coverage (for medical expenses) amount.
If you choose a policy with a bodily liability coverage of $75,000, you will need to have uninsured motorist coverage equal to that amount.
Key Factors Affecting Car Insurance Coverage in Idaho
What particular demographic and marital status you fall into can heavily influence your insurance rate in some states. In particular, your age and gender can significantly impact the amount you pay for your car insurance coverage in Idaho.
Idaho Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $330 | $400 | $180 | $200 | $120 | $130 | $105 | $115 |
| $320 | $390 | $175 | $195 | $115 | $125 | $100 | $110 |
| $340 | $410 | $185 | $205 | $125 | $135 | $110 | $120 |
| $300 | $370 | $170 | $190 | $110 | $120 | $95 | $105 |
| $350 | $420 | $190 | $210 | $130 | $140 | $115 | $125 |
| $310 | $380 | $175 | $195 | $115 | $125 | $100 | $110 |
| $305 | $375 | $172 | $192 | $112 | $122 | $97 | $107 |
| $290 | $360 | $165 | $185 | $105 | $115 | $90 | $100 |
| $315 | $385 | $177 | $197 | $117 | $127 | $102 | $112 |
| $280 | $350 | $160 | $180 | $100 | $110 | $85 | $95 |
On average, men tend to pay more for their rates than women do, as they are typically seen as higher-risk drivers. Married couples, however, have the opposite effect. Married men pay less for their insurance coverage than their spouses do.
Idaho Auto Insurance Monthly Rates by ZIP Code
| ZIP | Monthly |
|---|---|
| 83716 | $81.08 |
| 83706 | $81.33 |
| 83646 | $81.42 |
| 83705 | $81.50 |
| 83702 | $81.67 |
| 83712 | $81.92 |
| 83642 | $82.42 |
| 83704 | $82.50 |
| 83703 | $82.58 |
| 83714 | $83.33 |
Aside from these, your ZIP code and your place can also affect how much you pay for your insurance in Idaho. With this, it is essential to understand how these things can help you save big. Enter your ZIP code so we can assist you in finding the best rates possible.
Read more: How to Keep Your Insurance and Car Safe
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Best Companies for Car Insurance in Idaho
The top providers of the best car insurance in Idaho include State Farm, Geico, and Farmers, offering competitive rates, excellent customer service, and customizable coverage options tailored to the residents and drivers in Idaho.
It is essential to explore and understand the top companies providing the most competitive and budget-friendly rates and what they are known for to compare and find the best coverage suitable for your requirements.
To get the best car insurance coverage, it is essential to compare multiple quotes, maintain a clean driving record, bundle policies, and take advantage of savings programs for safe driving, low mileage, or defensive driving courses.Justin Wright Licensed Insurance Agent
To secure the best rates and coverage, keep reading our guide to find out how to save big for your car insurance in Idaho. Don’t miss great offers; enter your ZIP code now.
Read more: Best Car Insurance Companies
Frequently Asked Questions
Which insurance provider offers the most competitive rates for Idaho drivers, and how do their monthly premiums compare?
State Farm offers competitive car insurance in Idaho options, with monthly premiums starting as low as $11, which is among the cheapest car insurance in Idaho for quality coverage.
This is a great deal when considering the average cost of car insurance in Idaho for standard policies.
How does Idaho’s minimum liability coverage (25/50/15) impact the overall cost of car insurance for residents?
Idaho’s minimum liability coverage (25/50/15) sets the minimum financial responsibility required to cover bodily injury and property damage in accidents, impacting the average cost of car insurance in Idaho for drivers seeking essential coverage and influencing Idaho auto insurance premiums across the state.
Enter your ZIP code to understand more about liability.
What factors contribute to men in Idaho typically paying higher car insurance rates than women, and how can they lower their premiums?
Men in Idaho typically pay higher rates due to statistical risks associated with younger, less experienced drivers.
Still, they can reduce premiums by improving their driving record and credit score, which will help lower their Idaho car insurance rates and find more affordable auto insurance Idaho options. Read our car insurance basics to know better.
How does bundling policies with providers like State Farm or Farmers help Idaho drivers save on their total insurance costs?
Bundling home and auto insurance with providers like State Farm or Farmers allows Idaho drivers to take advantage of discounts, potentially saving up to 17% on their policies and securing the best car insurance in Idaho deals, leading to lower Idaho auto insurance quotes.
What are the key advantages of usage-based programs like Progressive’s Snapshot® in helping Idaho drivers lower their insurance rates?
Programs like Progressive’s Snapshot® help Idaho drivers lower premiums by rewarding safe driving habits, making it a great choice for those seeking cheap auto insurance in Idaho based on their actual driving behavior, offering lower car insurance quotes for Idaho for safe drivers.
Save now by entering your ZIP code.
Why is uninsured motorist coverage particularly important in Idaho, and how does it work in relation to bodily injury liability?
Uninsured motorist coverage is essential in Idaho to protect against drivers without insurance, covering medical costs for injuries caused by such drivers, making it an important feature in getting auto insurance in Idaho and ensuring complete protection.
Read More: How the States Rank on Uninsured Drivers
What are the major differences in coverage options between providers like Geico (focused on affordability) and Liberty Mutual (focused on customization)?
Geico is known for its cheap car insurance in Idaho and affordable rates. At the same time, Liberty Mutual excels in customizable coverage options, offering more flexibility in tailoring car insurance quotes in Idaho to individual needs and helping drivers find the cheapest car insurance Idaho.
How do ZIP codes within Idaho influence car insurance premiums, and which areas tend to have the highest or lowest rates?
Car insurance in Boise, ID, and other urban areas generally have higher rates due to traffic and accident risks.
In contrast, rural areas tend to have cheaper car insurance in Idaho due to fewer claims, offering lower Idaho car insurance rates in less populated areas.
See how your area can affect your rates by entering your ZIP code.
Why might younger drivers or those with lower credit scores face higher insurance premiums in Idaho, and which companies offer the best options for them?
Younger drivers in Idaho face higher premiums due to perceived higher risk. However, cheap car insurance in Boise, Idaho, and cheap car insurance in Idaho options are still available for these groups, helping them secure affordable Idaho auto insurance quotes.
Read more: Common Risks Faced by New Drivers
How do Idaho-specific factors, such as rural driving conditions and weather patterns, affect the types of car insurance coverage residents should consider?
Idaho’s rural driving conditions and winter weather patterns make comprehensive collision coverage important for protecting against accidents and vehicle damage.
It is a key factor in Idaho auto insurance decisions, as it provides full protection in challenging conditions.