INSURANCE - CAR INSURANCE

Best Car Insurance in Idaho for 2024

Updated Feb. 28, 2024
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Progressive generally has the most affordable coverage in Idaho.

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Idaho is home to stunning natural scenery just begging to be explored by car. Thankfully, auto insurance costs are generally lower than the national average in the Gem State, so saying yes to a road trip is a no-brainer. Below, we look at some of Idaho's best car insurance companies to help you save the most money possible.

In this article

Key takeaways

  • The best car insurance in Idaho is Progressive, which costs a yearly average of $599 for comprehensive coverage.
  • Drivers with a clean driving record pay an average of $76 per month in Idaho.
  • Pocatello drivers generally pay the most for car insurance, averaging $1,283 annually.

Best car insurance companies in Idaho

The most affordable full coverage car insurance in Idaho is Progressive, which averages $599 annually. USAA offers the cheapest minimum car insurance, averaging $205 per year.

Farmers Insurance has the most expensive coverage on our list, costing an average of $1,389 annually for full coverage and $534 annually for minimum coverage.

Provider J.D. Power customer satisfaction rating Estimated annual full coverage Estimated annual minimum liability coverage
USAA 875/1,000 $615/year $205/year
State Farm 821/1,000 $621/year $238/year
Progressive 807/1,000 $599/year $363/year
GEICO 797/1,000 $849/year $320/year
Farmers 796/1,000 $1,164/year $372/year
Allstate 783/1,000 $621/year $238/year

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USAA: Highest customer satisfaction

USAA earned the highest customer satisfaction score on our list of the best car insurance companies. It also offered the cheapest minimum coverage, averaging $205 annually. USAA offers multiple traditional policies like collision and comprehensive, but it is only available to current and former military members and their families.

Pros
  • USAA has multiple discounts, including up to 15% off for garaging your car on base
  • It has most traditional policy options and a few optional coverages, like roadside assistance
Cons
  • Only current and former military members and their families can apply for USAA policies
  • It doesn’t have as many specialty policy options as some competitors

Get a quote now | USAA review

State Farm: Best budget pick

State Farm offers multiple policy types, including rideshare driver coverage, although you may find more specialty options with a competitor. While State Farm’s full coverage (an average of $621 annually) is not the cheapest option in Idaho, it does offer the cheapest minimum coverage available to everyone, costing a yearly average of $238. State Farm’s list of discounts can add additional savings to their low prices, especially for new drivers.

Pros
  • It earned the second-highest customer satisfaction rating on our list
  • State Farm offers multiple discounts, including up to 25% for new drivers
Cons
  • State Farm does not have some specialty coverage options, like gap insurance
  • You must work directly with an agent to purchase a State Farm policy

Get a quote now | State Farm review

Progressive: Most affordable coverage

Progressive’s pricing and discounts can make it a good option for people looking to save on car insurance. It offers the most affordable full coverage car insurance in Idaho, averaging $599 a year, and earned the third-highest customer satisfaction rating. However, it had the state's second most expensive minimum insurance, averaging $363 annually.

Pros
  • Progressive had the best pricing on full coverage car insurance on our list
  • It has multiple coverage options, including three levels of accident forgiveness
Cons
  • Progressive had lower customer service ratings than some competitors
  • It was the second-highest option for minimum car insurance

Get a quote now | Progressive review

GEICO: Best for senior drivers

Although it had more expensive rates in Idaho overall, senior drivers may be able to save more on their car insurance using GEICO. Its coverages offer people over age 50 additional discounts on their policy when they complete a defensive driving course. Some seniors may also be eligible for the Prime Time contract, which guarantees their policy renewal.

Pros
  • GEICO offers multiple discounts, including up to 22% off for being a good driver
  • It has various policy options, including rental reimbursement and roadside assistance
Cons
  • GEICO earned below-average customer service scores in Idaho
  • It was the second most expensive car insurance in Idaho

Get a quote now | GEICO review

Allstate: Best for multi-car discounts

Allstate offers the same full and minimum car insurance prices in Idaho as competitor State Farm, but it earned lower customer satisfaction scores. Despite this, Allstate may be a good option for some because of its multipolicy discount, which can help customers save up to 25% off their premium if they bundle a home and auto policy.

Pros
  • Allstate has an extensive list of policy options, including gap coverage
  • It offers Idaho's second-cheapest minimum insurance (tied with State Farm)
Cons
  • Allstate had the lowest customer satisfaction score on our list
  • It has limited access to agents in some areas of the state

Get a quote now | Allstate review

Idaho auto insurance requirements

Like many states, Idaho requires drivers to have minimum insurance coverage to be on the road legally. The minimum amounts in Idaho are:

  • $25,000 in bodily liability per person
  • $50,000 in bodily liability per accident
  • $15,000 in property damage liability

These requirements are low compared to other states. Since mechanic or medical bills after an accident can quickly exceed the minimum amounts of a policy, it's generally considered wise to have coverage above the minimum amounts if you can afford to.

How to choose a car insurance provider in Idaho

If you need a new car insurance provider, consider the following to ensure you get the best deal:

  • Look at reviews: Ask people you know about their experience with specific companies and check review websites like the Better Business Bureau to see how a company handles problems. Consider using an insurance broker to help you get multiple quotes without much extra work, but understand the broker’s fees before signing up.
  • Check financial stability: Visit AM Best or Standard and Poor’s websites to check the financial rating of each insurance company. As part of your research, confirm the company has a license in Idaho by checking the Idaho Department of Insurance or the National Association of Insurance Commissioners (NAIC).
  • Get quotes: Compare pricing and coverage options from at least three new companies against your existing insurance. Make sure the quotes match your current policy types and limits so you don’t accidentally reduce your insurance coverage.

How much does car insurance cost in Idaho?

The average cost of car insurance in Idaho is $923 annually for full coverage and $404 per year for minimum coverage. On average, Pocatello drivers pay the most for car insurance, about $1,283 per year. Boise City drivers pay the least, averaging $1,020 per year.

Idaho car insurance rates by city

Cities are more likely to have higher insurance rates than rural areas since more people in one area generally means a higher rate of accidents or theft. According to the analytics website NeighborhoodScout, Pocatello residents, who pay the most for car insurance on average, have a one in 74 chance of experiencing car theft or other property crime.

Comparatively, Meridian residents pay an average of $1,118 per year for full coverage. The city has a property crime rate of 6 in every 1,000, which is about average across the nation.

City Avg. annual full-coverage premium
Pocatello $1,283/year
Idaho Falls $1,266/year
Caldwell $1,246/year
Nampa $1,232/year
Meridian $1,118/year
Boise City$1,020/year

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in Idaho

What are the minimum car insurance coverage requirements in Idaho?

Idaho's minimum car insurance requirements are $25,000 per person and $50,000 per accident in bodily liability coverage. Drivers must also have $15,000 in property damage liability. 

How much does car insurance cost in Idaho?

Car insurance in Idaho costs an average of $923 per year for full coverage and $404 annually for minimum insurance coverage.

Which car insurance companies cover Idaho?

Several national car insurance companies, including State Farm, USAA, Allstate, Progressive, GEICO, and Farmers, cover Idaho. 

What is the cheapest car insurance company in Idaho?

The cheapest car insurance in Idaho is Progressive for full coverage, averaging $599 annually, and USAA for minimum car insurance, which averages $615 annually.

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Author Details

Kate Daugherty Kate Daugherty is a professional writer with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.