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Among Idaho's most affordable car insurance providers are Auto-Owners, State Farm, and USAA.
Full-coverage car insurance in Idaho averages $113 per month, compared to the national average of $186. Your actual premium depends on various factors, including your age, driving history, and where you live. Getting quotes from several insurance companies remains the most effective way to find your best rate.
Here, we analyze Idaho's cheapest car insurance choices by coverage type, driver category, and insurance company.
Affordable full-coverage car insurance in Idaho
Full-coverage insurance in Idaho averages $113 monthly, compared to $186 nationwide. Auto-Owners, State Farm, and USAA rank among the cheapest car insurance providers available in Idaho.
| Average monthly full coverage cost | |
| Idaho average | $113 |
| National average | $186 |
| Auto-Owners | $49 |
| State Farm | $53 |
| USAA | $70 |
| GEICO | $88 |
Affordable liability-only car insurance in Idaho
For Idaho drivers seeking basic coverage, Auto-Owners, State Farm, and USAA offer some of the most affordable liability-only car insurance.
Liability-only coverage in Idaho costs an average of $69 monthly, while nationwide, drivers pay $104 on average.
| Average monthly liability-only cost | |
| Idaho average | $69 |
| National average | $104 |
| Auto-Owners | $36 |
| State Farm | $39 |
| USAA | $52 |
| National General | $59 |
Cheap car insurance in Idaho by age
Age significantly impacts insurance costs. Car insurance for teens typically costs the most due to their limited driving experience, averaging $279 monthly in Idaho for full coverage.
Drivers in their 20s see rates drop to approximately $161 per month for full coverage. Premiums continue declining through the 30s and 40s, averaging $124 and $118 monthly, respectively.
Rates may begin increasing again for senior drivers. While Idaho drivers in their 60s pay approximately $88 monthly for full coverage, those in their 70s average $101 per month.
These differences in cost reflect insurers' risk assessments, with inexperienced younger drivers and some older drivers facing higher rates due to accident statistics and other risk factors.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $279 | $171 |
| 20s | $161 | $99 |
| 30s | $124 | $76 |
| 40s | $118 | $72 |
| 50s | $108 | $66 |
| 60s | $88 | $54 |
| 70s | $101 | $62 |
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Cheap car insurance in Idaho for high-risk drivers
Drivers with traffic violations or accidents on their record typically face higher car insurance premiums. Below are Idaho's average costs for drivers with accidents, speeding tickets, or DUI convictions. If you have a bad driving record, this is around what you can expect to pay.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $150 | $92 |
| Speeding ticket | $152 | $93 |
| DUI | $182 | $111 |
Compare low-cost car insurance after an accident
For Idaho drivers with accidents on their record, Auto-Owners, State Farm, and USAA provide competitive rates. Drivers with an accident history pay an average of $150 monthly for full coverage.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $63 | $46 |
| State Farm | $69 | $50 |
| USAA | $92 | $68 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Idaho drivers with speeding violations can find competitive rates with Auto-Owners, State Farm, and USAA. Full coverage for drivers with speeding tickets averages $152 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $64 | $46 |
| State Farm | $69 | $50 |
| USAA | $92 | $67 |
Compare low-cost car insurance after DUI conviction
Idaho drivers facing DUI convictions can secure affordable full coverage through Auto-Owners, State Farm, and USAA. Full coverage for those with DUI records averages $182 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $76 | $55 |
| State Farm | $83 | $60 |
| USAA | $109 | $80 |
Cheap car insurance in Idaho by credit score
Credit scores significantly impact insurance premiums in Idaho. Drivers with excellent credit typically pay $101 monthly for full coverage, while those with poor credit face rates beginning around $141 per month.
This difference demonstrates how credit history affects insurance costs, as insurers view poor credit as an indicator of increased risk and potential claim frequency.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $101 | $62 |
| Good | $108 | $66 |
| Average | $118 | $72 |
| Poor | $141 | $86 |
FAQs
Is it worth getting more than minimum coverage in Idaho?
While Idaho's minimum liability requirements are lower than some states, purchasing additional coverage is often worthwhile. Full coverage including collision and comprehensive protection helps cover repair costs for your own vehicle, which can be substantial even in minor accidents. Given Idaho's affordable insurance market, upgrading coverage often costs less than in other states.
How can I find the cheapest car insurance in Idaho?
The best way to secure cheap car insurance in Idaho is to compare quotes from multiple insurers, as rates can vary significantly between companies. Taking advantage of available discounts, maintaining a clean driving record, and choosing appropriate coverage levels for your situation can help minimize costs while making sure you have the coverage you need.
Do I need special coverage as an Idaho driver?
Idaho drivers should consider their driving environment when selecting coverage. Those in rural areas might prioritize comprehensive coverage for wildlife collisions and weather damage, while urban drivers may focus on higher liability limits. Uninsured motorist coverage is also important given that not all drivers carry adequate insurance.
Bottom line
Although these insurers offer Idaho's most competitive rates, they may not necessarily provide the lowest cost for your specific situation. Obtaining quotes from the best car insurance companies and comparing them on both price and service quality remains the most effective approach to finding the right coverage for you.
Data throughout provided by Insurify.
Average rate:
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