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Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance. Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Updated Oct 21, 2022 Compare car insurance rates Answer a few questions to discover real rates from top-tier carriers in your area. Your information is secure Compare rates Select from a variety of trusted carriers + MORE How it works Caret Down Tell us a little about yourself We'll only ask for info we're confident will impact your rate. That way, we can provide you with the most accurate and personalized offers. Choose which policy is best for you Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you'd like. Lock in your rate and policy details Once you're confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that's it! On This Page
The average cost of a full-coverage auto policy in Idaho is $1,065 per year, which is significantly lower than the national annual average of $1,771. However, shopping for the best car insurance in Idaho is often about more than just finding the cheapest rates. Bankrate's insurance editorial team looked at a wide range of metrics to bring you companies that offer affordable rates, high customer satisfaction, financial stability, coverage options and more. Quality car insurance may be a vital part of financially protecting yourself from the unexpected - we aim to give you this guide to use as a touchstone during your shopping journey. Key takeaways With an average annual premium of $1,065, full coverage car insurance in Idaho is 66 percent cheaper than the national average. Out of the Idaho cities that we studied, Boise offers some of the cheapest average rates. A full coverage policy in Boise costs, on average, $977 annually. A minimum coverage policy in Boise averages $286 per year. Based on our extensive research, you may find the best car insurance in Idaho by shopping with Geico, State Farm and Oregon Mutual. Compare rates and save on auto insurance today! Get quotes Close X How Bankrate chose the best car insurance companies in Idaho
To find the best car insurance companies in Idaho, we start by analyzing proprietary rate data provided by Quadrant Information Services to find the . Then, we review other essential metrics, such as customer satisfaction scores from the and financial strength ratings from AM Best. Finally, we analyze coverage options and accessibility via mobile apps and online portals. Using this information, we issued each company a Bankrate Score ranging from 0.0 to 5.0. (with 5.0 being the highest score possible). Using our Bankrate Scores, shoppers can holistically review some of the best Idaho auto insurance companies to find an option that may meet their individualized needs.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state's requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. Best car insurance companies in Idaho
According to Quadrant Information Services, the average annual premium for a full-coverage car insurance policy in Idaho is $1,065, and the average rate for a minimum coverage policy is $271 per year. These premiums are far below the national averages for full and minimum coverage of $1,771 and $545, respectively. Using this information and our Bankrate Scores as a baseline, we found that Geico, State Farm and Oregon Mutual may offer the best Idaho auto insurance. Carrier J.D. Power Average annual full coverage premium Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 832 /1,000 Average annual full coverage premium $884 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 839 /1,000 Average annual full coverage premium $811 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power Not rated Average annual full coverage premium $777 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power Not rated Average annual full coverage premium $951 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power Not rated Average annual full coverage premium $663 Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . 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Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Discover the best carrier for you
Get custom car insurance quotes from top-rated carriers in 3 minutes or less. Geico
Geico is well-known for its competitive rates. On top of already-low premiums in Idaho, the company also offers potential discounts such as good student, multi-policy, federal employee, military and loyalty to help lower costs further. However, Geico does not offer many optional coverages, so the coverage is fairly basic. If you are interested in mobile tools, though, Geico may be a good choice. Its website and mobile app allow you to virtually file claims, pay bills and request quotes. Learn more: State Farm
State Farm is the in the country by market share. If you prefer working with a live agent, State Farm may be a good choice, as it operates through a nationwide network of local agents. State Farm could also be a good option if you have teen drivers, as the company offers for young drivers, including a good student discount and driver training discount. However, State Farm does not offer gap insurance, so if you need this coverage, there may be better options available. Learn more: Oregon Mutual
Oregon Mutual offers car insurance in four states, including Idaho. Oregon Mutual is unique because it is a mutual company, meaning that policyholders own the company and can earn dividends based on its performance. Oregon Mutual is also known for its affordable rates for both auto and homeowners coverage. It has several savings opportunities available, including the affinity group discount for drivers who are also members of an eligible credit union. However, Oregon Mutual doesn't have a full-service mobile app. If this is your preferred way of doing business, Oregon Mutual may not be the company for you. Learn more: Nationwide
Nationwide may be a good choice if you are looking for a company with a smooth claims process. Nationwide offers its proprietary , which is a network of auto repair shops. If you get your vehicle fixed at one of these shops after a covered claim, you will receive a guarantee of the work. Nationwide also offers several coverage options and discounts that may allow you to tailor your policy to your needs. It is important to note, though, that Nationwide has one of the highest average premiums on this list, so it may not be the best choice for those prioritizing . Learn more: Auto-Owners
Auto-Owners sells its insurance through a network of independent agents. Auto-Owners' strong attributes include its discounts, and high customer service scores. Auto-Owners offers several potential endorsement options as well, including gap insurance, diminished value coverage and a common loss deductible. If you get into an accident with another driver covered by Auto-Owners, your collision deductible may be waived. It is worth mentioning that drivers looking for robust digital tools may not be satisfied with Auto-Owners. Although the company does have a mobile app available for download, there are some complaints about its functionality. Learn more: Average cost of car insurance in Idaho
When it comes to car insurance, Idaho drivers pay an average of $1,065 per year for full coverage and $271 annually for minimum coverage. This is quite a bit lower than the , which is $1,771 annually for full coverage and $545 for minimum coverage. The is not only cheap compared to national rates, but it's also more affordable than several neighboring states. The rates in , for instance, are 106 percent higher than Idaho's, with an average annual full coverage premium of $2,190. Averaging $1,795 per year for full coverage, car insurance may not be as expensive as California, but it's still 69 percent more costly than Idaho. Idaho drivers may pay less for insurance for a number of reasons. Car insurance rates are based partly on risk, and a lower population density may mean that Idaho drivers are at a lower risk of getting in accidents than drivers in other parts of the country. Average annual premium for minimum coverage in Idaho Average annual premium for full coverage in Idaho $271 $1,065
Idaho city Average annual premium for full coverage Average annual premium for minimum coverage Boise $977 $286 Caldwell $1,077 $303 Coeur d'Alene $1,085 $264 Idaho Falls $1,104 $283 Meridian $978 $290 Nampa $1,058 $306 Pocatello $1,101 $271 Twin Falls $1,060 $269 How to find the best car insurance in Idaho
With so many options available, finding Idaho car insurance may seem daunting, but Bankrate is here to help. We understand that different drivers may have different priorities, whether that be cheap premiums or top-notch customer service. It's essential to find a company that meets your needs so that you can maintain continuous coverage - not only is car insurance mandatory in Idaho, but sufficient auto insurance coverage provides integral financial protection from covered perils. If you are the at-fault driver in an uninsured accident, you could be on the hook for thousands of dollars or more in damages. A robust car insurance policy may help reduce the instances of a hefty out-of-pocket expense. Consider minimum insurance requirements
When looking for cheap car insurance in Idaho, you may be tempted to carry the state's . Although this option may offer lower premiums, this coverage package could cost you in the long run if you are in an at-fault accident and the damage exceeds your liability limits. Many insurance professionals suggest that you carry higher limits than the state minimum if you can reasonably afford to do so. Consider lender requirements
Along with carrying at least Idaho minimum coverage, you will likely have additional insurance requirements if you are financing your vehicle. In this instance, your lender will likely require you to carry and coverages. They may also stipulate how high you can set your (with the maximum usually being $500 or $1,000). If you are leasing, you will likely have to carry of $100,000 per person, $300,000 per accident for bodily injury, and $50,000 for property damage in addition to comprehensive and collision. Your policy paperwork may show this coverage package as 100/300/50. Your lender technically owns your vehicle while you are making payments or leasing, making them an . In simpler terms, your lender is interested in your car's financial well-being, so they usually mandate specific insurance requirements above state minimums. Consider your individual needs
Many of the best Idaho car insurance companies have coverage options to help you better tailor your policy. Although these optional coverages may cost an additional premium, they could be worth it, depending on your individual needs: : If your insurance company declares your vehicle as a total loss and you owe more on your loan than what the car is worth, gap insurance could step in to pay the difference in the case of a covered event. : If you break down on the side of the road, you may be able to get a tow truck free from out-of-pocket cost if you carry emergency roadside assistance. In addition to towing, this coverage may pay for a locksmith if you lock yourself out of your car. : A standard car insurance policy does not typically cover vehicle breakdowns unrelated to a covered claim. Mechanical breakdown insurance, however, is the exception. This optional coverage works similarly to an extended warranty and may pay for vehicle repairs not caused by a car accident. Car insurance discounts in Idaho
Nearly every insurance provider in Idaho offers at least a few policy discounts. When shopping for car insurance in Idaho, you may want to ask each car insurance company that you get quotes from what discounts you may qualify for. Here are a few popular discounts in Idaho: Young driver discounts: Many Idaho car insurance companies understand that adding a young driver to your policy could cause financial strain. To help offset this cost, they may offer and young adults, such as a driver's training discount or a good student discount for students that earn strong grades in school. Safe driver discounts: Being a safe driver may help reduce your overall risk and reward you with a lower base rate. In addition to lower rates, maintaining a clean driving record for a certain period may net you extra savings through a safe driver discount. Other discounts: Although these miscellaneous discounts may not be available with every company, they are worth looking into. For example, several companies now offer a potential discount if you install a in your vehicle and practice safe driving habits. Additionally, you may want to carry property insurance with the company that holds your auto coverage to earn a . You might also earn a discount if you take an online . Most insurance companies offer different sets of discounts. You can often review discounts on a company's website, but you could also talk to an agent to confirm what savings opportunities are available to you. Frequently asked questions
The average cost of car insurance in Idaho is $1,065 per year for full coverage and $271 per year for minimum coverage. However, you could pay more or less depending on your . Your driving record, vehicle make and model, ZIP code, and in Idaho, your credit-based insurance score, could all impact your car insurance premium. Many insurance professionals agree that the best way to ensure that you get the most competitive rate is to shop around.
The best auto insurance company may be different for everyone, since every driver brings a unique set of circumstances to their car insurance search. One of the best ways to find the right policy for you could be to first identify what matters most to you, like digital tools or low average premiums. Then you can to see which one most closely fits your needs.
Per , auto insurance in Idaho is mandatory. If a police officer pulls you over and finds that you are driving uninsured, you could be fined up to $75. Any following violations for driving without insurance could result in additional fines up to $1,000, license suspensions and an requirement. Written by Carol Pope Insurance Writer Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance. Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.