Cheapest Car Insurance in Idaho (2025)
Best cheap car insurance in Idaho
Cheap full-coverage car insurance in Idaho: State Farm
While USAA has the overall second-cheapest rate in Idaho, it only sells car insurance for military members and their families.
Cheapest company for full coverage
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $658 |  |
 | Geico | $1,201 |  |
 | Farm Bureau | $1,237 |  |
 | Auto-Owners | $1,322 |  |
 | American Family | $1,347 | |
 | Travelers | $1,400 | |
 | Allstate | $2,004 |  |
 | Farmers | $2,056 | |
 | USAA* | $744 | |
Idaho’s best liability-only insurance: State Farm
Cheapest company for minimum coverage
| Company | Annual rate |
|---|---|
| State Farm | $233 |
| Geico | $388 |
| Farm Bureau | $415 |
| Auto-Owners | $443 |
| American Family | $444 |
| Travelers | $529 |
| Farmers | $637 |
| Allstate | $814 |
| USAA* | $234 |
Idaho requires drivers to buy a minimum amount of liability car insurance, which covers you if you injure someone or damage their property while driving.
For the cheapest liability coverage, compare car insurance quotes from multiple companies before renewing or buying a policy.
Best cheap Idaho car insurance for young drivers: State Farm
Farm Bureau is the next-cheapest company for Idaho teens, at $915 a year for liability coverage and $2,710 a year for full coverage.
Cheapest companies for teen drivers
| Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $788 | $2,047 |
| Farm Bureau | $915 | $2,710 |
| Auto-Owners | $1,457 | $3,439 |
| Geico | $1,509 | $4,240 |
| Travelers | $1,652 | $3,833 |
| Allstate | $2,481 | $6,661 |
| American Family | $2,970 | $7,811 |
| Farmers | $3,361 | $7,677 |
| USAA* | $1,038 | $3,156 |
On top of having the cheapest rates for teen drivers, State Farm also rewards good students. State Farm offers a car insurance discount of up to 25% for teens with good grades.
If you’re a parent and want to get cheap car insurance for teens, consider adding them to your current policy. Your rate will go up, but the overall cost should still be cheaper than if you and your teen each have your own policies.
Cheapest car insurance rates after a ticket in Idaho: State Farm
Farm Bureau is the state’s next-cheapest company when you have a ticket on your record at $103 a month.
Cheapest companies after a ticket
| Company | Annual rate |
|---|---|
| State Farm | $710 |
| Farm Bureau | $1,237 |
| Auto-Owners | $1,322 |
| Geico | $1,551 |
| American Family | $1,608 |
| Travelers | $1,673 |
| Allstate | $2,327 |
| Farmers | $2,890 |
| USAA* | $941 |
A speeding ticket in Idaho stays on your driving record for three years. You should expect your car insurance premium to go up around 19% during that time.
Best car insurance quotes after an accident in Idaho: State Farm
Cheapest companies after an accident
| Company | Annual rate |
|---|---|
| State Farm | $770 |
| Farm Bureau | $1,617 |
| Travelers | $1,848 |
| Auto-Owners | $1,949 |
| Geico | $2,265 |
| American Family | $2,554 |
| Farmers | $2,941 |
| Allstate | $3,253 |
| USAA* | $1,045 |
Cheapest insurance for Idaho teens with an accident or ticket: State Farm
Farm Bureau’s average rate of $76 a month for teen drivers with a speeding ticket isn’t much more than State Farm’s. Get quotes from both companies as you shop for coverage to see which will give you the better deal.
Cheapest companies for teens with bad driving records
| Company | Ticket | Accident |
|---|---|---|
| State Farm | $862 | $948 |
| Farm Bureau | $915 | $1,201 |
| Auto-Owners | $1,693 | $2,337 |
| Geico | $1,760 | $1,956 |
| Travelers | $2,046 | $2,339 |
| Allstate | $2,985 | $4,507 |
| American Family | $3,296 | $3,474 |
| Farmers | $4,020 | $4,023 |
| USAA* | $1,520 | $1,797 |
Best Idaho car insurance rates after a DUI: Travelers
A DUI (driving under the influence) conviction can lead to fines, jail time and drivers license suspension. In Idaho, it also usually raises full-coverage car insurance rates by an average of 97%.
Your car insurance policy may be canceled after a DUI, too, and you may have a hard time getting a new one.
Cheapest companies after a DUI
| Company | Annual rate |
|---|---|
| Travelers | $1,923 |
| State Farm | $2,026 |
| Allstate | $2,707 |
| Farm Bureau | $2,724 |
| American Family | $2,739 |
| Farmers | $2,793 |
| Auto-Owners | $2,966 |
| Geico | $4,179 |
| USAA* | $1,561 |
Cheap Idaho car insurance for bad credit: State Farm
Cheapest companies for drivers with poor credit
| Company | Annual rate |
|---|---|
| State Farm | $1,300 |
| Geico | $1,718 |
| Farm Bureau | $1,876 |
| Auto-Owners | $2,026 |
| American Family | $2,059 |
| Travelers | $2,083 |
| Allstate | $2,926 |
| Farmers | $3,321 |
| USAA* | $1,651 |
Some insurance companies see a link between your credit history and your risk of filing a claim. If you’re not sure how good or bad your credit is, find out for free at LendingTree Spring before you shop for insurance.
Best car insurance companies in Idaho
USAA is rated but not ranked in the J.D. Power 2024 U.S. Auto Insurance Study due to its limited customer base.
Idaho car insurance company ratings
| Company | J.D. Power** | A.M. Best | LendingTree |
|---|---|---|---|
| Allstate | 626 | A+ | |
| American Family | 655 | A | |
| Auto-Owners | Not rated | A++ | |
| Farm Bureau | Not rated | A | |
| Farmers | 641 | A | |
| Geico | 637 | A++ | |
| State Farm | 656 | A++ | |
| Travelers | 592 | A++ | |
| USAA* | 743 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Idaho insurance rates by city
Mountain Home is the cheapest city in Idaho for car insurance, with rates averaging $1,166 a year.
Colburn is the state’s most expensive city for car insurance, at $1,441 a year.
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Aberdeen | $1,327 | 0% |
| Ahsahka | $1,421 | 7% |
| Albion | $1,298 | -3% |
| Almo | $1,296 | -3% |
| American Falls | $1,291 | -3% |
| Ammon | $1,366 | 3% |
| Arbon | $1,313 | -1% |
| Arbon Valley | $1,310 | -2% |
| Arco | $1,344 | 1% |
| Arimo | $1,315 | -1% |
| Ashton | $1,348 | 1% |
| Athol | $1,400 | 5% |
| Atomic City | $1,368 | 3% |
| Avery | $1,382 | 4% |
| Bancroft | $1,301 | -2% |
| Banks | $1,275 | -4% |
| Basalt | $1,383 | 4% |
| Bayview | $1,405 | 5% |
| Bellevue | $1,265 | -5% |
| Bern | $1,299 | -2% |
| Blackfoot | $1,372 | 3% |
| Blanchard | $1,396 | 5% |
| Bliss | $1,257 | -6% |
| Bloomington | $1,313 | -1% |
| Boise City | $1,230 | -8% |
| Bonners Ferry | $1,413 | 6% |
| Bovill | $1,344 | 1% |
| Bruneau | $1,297 | -3% |
| Buhl | $1,267 | -5% |
| Burley | $1,289 | -3% |
| Calder | $1,388 | 4% |
| Caldwell | $1,302 | -2% |
| Cambridge | $1,296 | -3% |
| Carey | $1,280 | -4% |
| Careywood | $1,405 | 5% |
| Carmen | $1,383 | 4% |
| Cascade | $1,278 | -4% |
| Castleford | $1,275 | -4% |
| Cataldo | $1,393 | 5% |
| Challis | $1,340 | 1% |
| Chester | $1,333 | 0% |
| Chubbuck | $1,333 | 0% |
| Clark Fork | $1,400 | 5% |
| Clarkia | $1,398 | 5% |
| Clayton | $1,319 | -1% |
| Clifton | $1,329 | 0% |
| Cobalt | $1,375 | 3% |
| Cocolalla | $1,412 | 6% |
| Coeur d'Alene | $1,335 | 0% |
| Colburn | $1,441 | 8% |
| Conda | $1,341 | 1% |
| Coolin | $1,390 | 4% |
| Corral | $1,269 | -5% |
| Cottonwood | $1,362 | 2% |
| Council | $1,291 | -3% |
| Craigmont | $1,420 | 7% |
| Culdesac | $1,345 | 1% |
| Dalton Gardens | $1,334 | 0% |
| Dayton | $1,325 | -1% |
| Deary | $1,343 | 1% |
| Declo | $1,292 | -3% |
| Desmet | $1,379 | 3% |
| Dietrich | $1,306 | -2% |
| Dingle | $1,361 | 2% |
| Donnelly | $1,269 | -5% |
| Dover | $1,389 | 4% |
| Downey | $1,311 | -2% |
| Driggs | $1,380 | 4% |
| Dubois | $1,354 | 2% |
| Eagle | $1,254 | -6% |
| Eastport | $1,417 | 6% |
| Eden | $1,274 | -4% |
| Elk City | $1,376 | 3% |
| Elk River | $1,401 | 5% |
| Ellis | $1,317 | -1% |
| Emmett | $1,250 | -6% |
| Fairfield | $1,294 | -3% |
| Felt | $1,366 | 3% |
| Fenn | $1,402 | 5% |
| Ferdinand | $1,413 | 6% |
| Fernwood | $1,397 | 5% |
| Filer | $1,286 | -3% |
| Firth | $1,380 | 4% |
| Fish Haven | $1,313 | -1% |
| Fort Hall | $1,348 | 1% |
| Franklin | $1,319 | -1% |
| Fruitland | $1,224 | -8% |
| Garden City | $1,241 | -7% |
| Garden Valley | $1,296 | -3% |
| Genesee | $1,335 | 0% |
| Geneva | $1,300 | -2% |
| Georgetown | $1,293 | -3% |
| Gibbonsville | $1,381 | 4% |
| Glenns Ferry | $1,196 | -10% |
| Gooding | $1,256 | -6% |
| Grace | $1,299 | -2% |
| Grand View | $1,287 | -3% |
| Grangeville | $1,340 | 1% |
| Greencreek | $1,363 | 2% |
| Greenleaf | $1,298 | -3% |
| Groveland | $1,371 | 3% |
| Hagerman | $1,252 | -6% |
| Hailey | $1,268 | -5% |
| Hamer | $1,346 | 1% |
| Hammett | $1,211 | -9% |
| Hansen | $1,286 | -3% |
| Harrison | $1,398 | 5% |
| Harvard | $1,312 | -2% |
| Hayden | $1,361 | 2% |
| Hazelton | $1,273 | -4% |
| Heyburn | $1,271 | -5% |
| Hill City | $1,270 | -5% |
| Holbrook | $1,309 | -2% |
| Homedale | $1,308 | -2% |
| Hope | $1,391 | 4% |
| Horseshoe Bend | $1,292 | -3% |
| Howe | $1,349 | 1% |
| Idaho City | $1,295 | -3% |
| Idaho Falls | $1,362 | 2% |
| Indian Valley | $1,262 | -5% |
| Inkom | $1,347 | 1% |
| Iona | $1,368 | 3% |
| Irwin | $1,372 | 3% |
| Island Park | $1,348 | 1% |
| Jerome | $1,270 | -5% |
| Juliaetta | $1,345 | 1% |
| Kamiah | $1,394 | 5% |
| Kellogg | $1,378 | 3% |
| Kendrick | $1,355 | 2% |
| Ketchum | $1,272 | -5% |
| Kimberly | $1,296 | -3% |
| King Hill | $1,216 | -9% |
| Kingston | $1,381 | 4% |
| Kooskia | $1,368 | 3% |
| Kootenai | $1,430 | 7% |
| Kuna | $1,248 | -6% |
| Laclede | $1,398 | 5% |
| Lake Fork | $1,319 | -1% |
| Lapwai | $1,324 | -1% |
| Lava Hot Springs | $1,297 | -3% |
| Leadore | $1,387 | 4% |
| Lemhi | $1,383 | 4% |
| Lenore | $1,380 | 4% |
| Letha | $1,283 | -4% |
| Lewiston | $1,299 | -2% |
| Lewisville | $1,352 | 1% |
| Lincoln | $1,366 | 3% |
| Lowman | $1,286 | -3% |
| Lucile | $1,359 | 2% |
| Mackay | $1,326 | 0% |
| Macks Inn | $1,345 | 1% |
| Malad City | $1,305 | -2% |
| Malta | $1,301 | -2% |
| Marsing | $1,316 | -1% |
| May | $1,363 | 2% |
| McCall | $1,274 | -4% |
| McCammon | $1,335 | 0% |
| Medimont | $1,391 | 4% |
| Melba | $1,284 | -4% |
| Menan | $1,342 | 1% |
| Meridian | $1,206 | -9% |
| Mesa | $1,276 | -4% |
| Middleton | $1,296 | -3% |
| Midvale | $1,250 | -6% |
| Monteview | $1,339 | 1% |
| Montpelier | $1,299 | -2% |
| Moore | $1,338 | 0% |
| Moreland | $1,373 | 3% |
| Moscow | $1,338 | 0% |
| Mountain Home | $1,166 | -13% |
| Mountain Home AFB | $1,175 | -12% |
| Moyie Springs | $1,414 | 6% |
| Mullan | $1,364 | 2% |
| Murphy | $1,309 | -2% |
| Murray | $1,383 | 4% |
| Murtaugh | $1,285 | -4% |
| Nampa | $1,311 | -2% |
| Naples | $1,419 | 6% |
| New Meadows | $1,315 | -1% |
| New Plymouth | $1,232 | -8% |
| Newdale | $1,341 | 1% |
| Nezperce | $1,408 | 6% |
| Nordman | $1,387 | 4% |
| North Fork | $1,381 | 4% |
| Oakley | $1,282 | -4% |
| Ola | $1,260 | -5% |
| Oldtown | $1,402 | 5% |
| Orofino | $1,428 | 7% |
| Osburn | $1,369 | 3% |
| Parker | $1,385 | 4% |
| Parma | $1,267 | -5% |
| Paul | $1,284 | -4% |
| Payette | $1,214 | -9% |
| Peck | $1,360 | 2% |
| Picabo | $1,285 | -4% |
| Pierce | $1,427 | 7% |
| Pinehurst | $1,378 | 3% |
| Pingree | $1,383 | 4% |
| Placerville | $1,288 | -3% |
| Plummer | $1,392 | 4% |
| Pocatello | $1,350 | 1% |
| Pollock | $1,374 | 3% |
| Ponderay | $1,388 | 4% |
| Porthill | $1,417 | 6% |
| Post Falls | $1,316 | -1% |
| Potlatch | $1,309 | -2% |
| Preston | $1,317 | -1% |
| Priest River | $1,402 | 5% |
| Princeton | $1,309 | -2% |
| Rathdrum | $1,386 | 4% |
| Reubens | $1,375 | 3% |
| Rexburg | $1,334 | 0% |
| Richfield | $1,302 | -2% |
| Rigby | $1,352 | 1% |
| Riggins | $1,376 | 3% |
| Ririe | $1,344 | 1% |
| Riverside | $1,374 | 3% |
| Roberts | $1,344 | 1% |
| Robie Creek | $1,259 | -6% |
| Rockland | $1,303 | -2% |
| Rogerson | $1,284 | -4% |
| Rupert | $1,277 | -4% |
| Sagle | $1,398 | 5% |
| Salmon | $1,382 | 4% |
| Sandpoint | $1,385 | 4% |
| Santa | $1,389 | 4% |
| Shelley | $1,371 | 3% |
| Shoshone | $1,298 | -3% |
| Shoup | $1,362 | 2% |
| Silverton | $1,383 | 4% |
| Smelterville | $1,379 | 3% |
| Soda Springs | $1,292 | -3% |
| Spencer | $1,372 | 3% |
| Spirit Lake | $1,386 | 4% |
| Springfield | $1,340 | 1% |
| St. Anthony | $1,318 | -1% |
| St. Charles | $1,312 | -2% |
| St. Maries | $1,398 | 5% |
| Stanley | $1,319 | -1% |
| Star | $1,252 | -6% |
| Stites | $1,335 | 0% |
| Sugar City | $1,309 | -2% |
| Sun Valley | $1,272 | -5% |
| Swan Valley | $1,373 | 3% |
| Swanlake | $1,308 | -2% |
| Sweet | $1,280 | -4% |
| Sweetwater | $1,324 | -1% |
| Tendoy | $1,376 | 3% |
| Tensed | $1,376 | 3% |
| Terreton | $1,342 | 1% |
| Teton | $1,325 | -1% |
| Tetonia | $1,382 | 4% |
| Thatcher | $1,322 | -1% |
| Troy | $1,345 | 1% |
| Twin Falls | $1,274 | -4% |
| Victor | $1,390 | 4% |
| Viola | $1,330 | 0% |
| Wallace | $1,363 | 2% |
| Warren | $1,384 | 4% |
| Wayan | $1,303 | -2% |
| Weippe | $1,423 | 7% |
| Weiser | $1,252 | -6% |
| Wendell | $1,254 | -6% |
| Weston | $1,339 | 1% |
| White Bird | $1,358 | 2% |
| Wilder | $1,283 | -4% |
| Winchester | $1,418 | 6% |
| Worley | $1,372 | 3% |
| Yellow Pine | $1,277 | -4% |
Minimum coverage for car insurance in Idaho
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $15,000 property damage coverage
Idaho does not require drivers to have full-coverage car insurance. But if you financed your vehicle, your lender will probably require it as part of the lending agreement.
If you get a DUI in Idaho and your license is suspended, you will need to file an SR-22 to get it reinstated. An SR-22 proves you have Idaho’s minimum car insurance limits. Your insurance company should file the SR-22 on your behalf with the state DMV.
Idaho doesn’t give a length of time you’ll need to carry the SR-22, but most states require it for three years. You will probably pay more for car insurance during this time.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured/underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection: minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims. Overall satisfaction ratings are from the J.D. Power 2024 U.S. Auto Insurance Study.
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*USAA is only available to current and former members of the military as well as certain family members.