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Last updated: May 12, 2026Best Car Insurance in Idaho of 2026
State Farm, USAA, GEICO, The Hartford and Nationwide are top picks for car insurance in Idaho.
Best Overall
Editor's Rating:
4.9/5
4.9/5
Full Coverage Averages in Idaho
- Annual premium: $995
- Monthly premium: $83
Best for Military/Veterans
Editor's Rating:5/5
5/5
Full Coverage Averages in Idaho
- Annual premium: $840
- Monthly premium: $70
Best for Drivers With Low Credit
Editor's Rating:4.2/5
4.2/5
Full Coverage Averages in Idaho
- Annual premium: $1,180
- Monthly premium: $98
Key Takeaways: Best Car Insurance in Idaho 2026
State Farm, USAA, and GEICO are among the top car insurance providers in Idaho.
- Full coverage in Idaho averages $1,549/year ($129/month) — about 34% below the national average.
- State Farm is the best overall pick, with full coverage averaging $995/year — 36% below the Idaho average.
- USAA offers the cheapest rates overall at $840/year, but is only available to military members, veterans, and their families.
- GEICO is the top choice for drivers with low credit, with rates 39% below the statewide average for that category.
Summary of the Best Auto Insurance in Idaho
- Best Overall: State Farm
- Best for Military/Veterans: USAA
- Best for Drivers With Low Credit: GEICO
- Best for Seniors: The Hartford
- Best for New Cars: Nationwide
Compare the Best Cheap Auto Insurance in Idaho
| Company | Full coverage monthly average in Idaho | Minimum coverage monthly average in Idaho | Northwest customer satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $83 | $22 | Above average |
| USAA | $70 | $19 | Above average* |
| GEICO | $98 | $24 | Above average |
| The Hartford | Data not available | Data not available | Above average |
| Nationwide | Data not available | Data not available | Below average |
| Idaho | $129 | $33 | – |
*Due to its eligibility restrictions, USAA doesn’t officially qualify to rank on J.D. Power’s studies.
Breaking Down the Best Cheap Auto Insurance in Idaho
1. State Farm - Best Overall
4.9
Editor's Rating:
- Minimum coverage
- $22 mo.
- Full coverage
- $83 mo.
- Lowest nonmilitary rates and good bundling discounts
- Competitive rates for high-risk drivers and teens
- Strong customer satisfaction ratings
Must complete quotes by phone- No accident forgiveness
Why we chose it
State Farm has some of the cheapest auto insurance rates in Idaho, and it received high scores for customer satisfaction. It also offers safe-driving discounts, as well as competitive rates for drivers with DUIs, speeding tickets or at-fault accidents on their record. State Farm has more than 25 local agents in Idaho to help you apply discounts and formulate coverage for the best deal.
If you’re looking for insurance beyond auto, State Farm can reduce your premiums by bundling your car insurance with other insurance policies. You can combine your auto policy with boat, motorhome, ATV, homeowners and small business insurance products with a 17 percent discount. You also can save up to 20 percent if you cover two or more vehicles.
DID YOU KNOW?
State Farm also gets high marks for its digital experience; it scored above average in the service and shopping categories in J.D. Power’s 2025 U.S. Insurance Digital Experience Study.1
Who it’s best for
State Farm is an excellent overall choice for auto insurance in Idaho, especially for customers who are looking for the lowest rates, drivers who want to bundle multiple policies, and families with teens.
State Farm Idaho Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $83 | $22 |
| Annually | $995 | $263 |
| Difference from Idaho average | -36% | -34% |
2. USAA - Best for Military/Veterans
5
Editor's Rating:
- Minimum coverage
- $19 mo.
- Full coverage
- $70 mo.
- Lowest rates overall
- Specialized military benefits
- Affordable premiums for high-risk drivers
- Military eligibility required
- Limited to members
- Fewer branch locations
Why we chose it
USAA offers the cheapest rates on this list, but it’s not available to everyone. To qualify, you or an immediate family member must be a U.S. Armed Forces member or veteran.
As a USAA member, you get financial support for investments and benefits. In Idaho, this includes special rates on auto loans, discounts on sports and concert tickets, and travel deals.
You also qualify for a 15 percent discount on your comprehensive coverage if you garage your car on a military base, like the Mountain Home Air Force Base.
For Uber or Lyft drivers, USAA provides a rideshare endorsement that ensures that you’re fully protected. When you drive for a rideshare company, your policy does not apply when you’re waiting to match with a ride, and neither does the rideshare company’s coverage. With USAA’s rideshare insurance, you can extend your policy through that gap.
FYI:
If you’re deployed and need to store your car, USAA offers a 60 percent discount off your premium.
Who it’s best for
USAA is available only to U.S. military members, veterans and their families, and it is a great option for anyone who qualifies. Within that group, it is also a good choice for rideshare drivers and households with teen drivers.
USAA Idaho Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $70 | $19 |
| Annually | $840 | $228 |
| Difference from Idaho average | -46% | -43% |
3. GEICO - Best for Drivers With Low Credit
4.2
Editor's Rating:
- Minimum coverage
- $24
- Full coverage
- $98
- Cheapest rates for drivers with low credit
- Fast online quotes
- Extensive list of car insurance discounts
- Limited agent presence
- Doesn't underwrite home insurance
Why we chose it
For Idaho drivers with low credit, GEICO has the lowest average premiums, which are 39 percent lower than the statewide average in this category. In addition, GEICO scored above average for customer service in the Northwest region.
You can get a quick digital quote with GEICO, and see online how adjusting your coverage levels affects your premium. Plus, drivers can save with GEICO’s long list of car insurance discounts, including deals for usage-based programs, group affiliations and paperless billing.
TIP:
If you have a DUI or multiple violations on your record, GEICO can file an SR-22 on your behalf, as well as provide minimum liability insurance.
Who it’s best for
GEICO is a good choice for drivers with low credit, drivers who want to manage their policy online, and those looking for extensive car insurance discounts.
GEICO Idaho Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $98 | $24 |
| Annually | $1,180 | $282 |
| Difference from Idaho average | -24% | -29% |
4. The Hartford - Best for Seniors
4
Editor's Rating:
- Average Rate for Minimum Coverage
- $70 mo.
- Average Rate for Full Coverage
- $228 mo.
- Discounts for seniors
- High regional customer service ratings
- Specialty coverages
- Some discounts restricted to AARP members
- Less competitive for younger drivers
Why we chose it
AARP provides car insurance through The Hartford, offering special benefits available to Idaho’s seniors. AARP members get access to discounts that seniors are more likely to qualify for, including ones for taking a defensive driver course, being a safe driver, and bundling home and auto insurance.
Moreover, The Hartford received high customer satisfaction ratings for the Northwest region, placing second, just after State Farm.
Although our research shows that The Hartford typically has higher-than-average premiums, it may be worth it for seniors who want great service and specialty coverage types, like new car replacement and gap coverage.
Who it’s best for
The Hartford could be a good fit for seniors; drivers who want add-ons, such as gap insurance; and drivers with clean records.
5. Nationwide - Best for New Cars
4.8
Editor's Rating:
- Average Rate for Minimum Coverage
- $60 mo.
- Average Rate for Full Coverage
- $162 mo.
- Local Idaho agents
- Offers gap coverage and new car replacement
- Pay-per-mile insurance available
- Not available in select states
- Expensive for teen drivers
Why we chose it
Nationwide offers a number of optional add-on coverages to its policies, including gap coverage and new car replacement. It also scored well nationally on J.D. Power’s Claims Satisfaction Study.
If you financed or leased a new car, your lender will likely require you to have gap coverage, which is cheaper to purchase from your insurer than the dealership. Not all insurers offer this coverage, but Nationwide does. It also sells new car replacement coverage, which will pay for a replacement vehicle if your new car is totaled. Typically, these coverages add $10 or less to your monthly premiums.
In addition, Nationwide has two usage-based insurance programs. With SmartRide, you can get up to 40 percent off your premiums for safe driving, and the program won’t raise your rates for risky driving. SmartMiles, its pay-per-mile program, is a good option for low mileage drivers.
Idaho pricing data for Nationwide isn’t available, so get a quote to see how much you’ll pay.
Who it’s best for
Drivers who leased or financed a new car; low mileage drivers, like retirees, remote workers, and households with a second car driven less frequently
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Northwest2 | CRASH Network Insurer Report Card3 | J.D. Power Auto Claims Satisfaction Study4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| State Farm | 648 | D+ | 716 | 2.15 |
| USAA | 729* | C- | 741* | 2.74 |
| GEICO | 631 | C- | 697 | 1.95 |
| The Hartford | 645 | C+ | 716 | 0.91 |
| Nationwide | 625 | C | 729 | 2.00 |
| Average | 629 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share; the lower the score, the better |
*Due to its eligibility restrictions, USAA doesn’t officially qualify to rank on J.D. Power’s studies.
Average Cost of Auto Insurance in Idaho
The average cost of auto insurance in Idaho is lower than the national average for both full coverage and minimum coverage.
Full Coverage Rates in Idaho
Full coverage auto insurance in Idaho is about 34 percent cheaper than the national average. For full coverage, expect to pay about $1,549 per year, or $129 per month.
| Category | Full coverage average (annual) | Full coverage average (monthly) |
|---|---|---|
| Idaho | $1,549 | $129 |
| U.S. | $2,356 | $196 |
Minimum Coverage Rates in Idaho
For minimum coverage, Idaho residents pay an average of $397 per year ($33 per month), which is about 45 percent less than the national average.
However, there are many factors that affect car insurance rates, including your driving record, car and insurer. To secure the most competitive rates, get car insurance quotes from at least three providers before you decide.
| Category | Minimum coverage average (annual) | Minimum coverage average (monthly) |
|---|---|---|
| Idaho | $397 | $33 |
| U.S. | $722 | $60 |
Auto Insurance Costs by City in Idaho
Your auto insurance premium will depend on your city and neighborhood, although rates in Idaho are more consistent across cities than they are in other states.
| City | Average annual premium | Average monthly premium |
|---|---|---|
| Boise | $1,465 | $122 |
| Meridian | $1,470 | $122 |
| Nampa | $1,582 | $132 |
| Caldwell | $1,602 | $133 |
| Idaho Falls | $1,654 | $138 |
| Pocatello | $1,694 | $141 |
| Coeur d’Alene | $1,673 | $139 |
| Twin Falls | $1,628 | $136 |
How Many Car Accidents Happen in Idaho?
There were 28,158 crashes in Idaho in 2024, according to the latest data from the Idaho Transportation Department.6 Among these incidents, 219 were fatal, resulting in 238 deaths, and another 1,262 crashes involved serious injuries. The crash totals were the highest in the Boise area, followed by Meridian and Nampa. The highest numbers of fatal collisions occurred in August and September.
Minimum Auto Insurance Requirements in Idaho
Idaho is home to over 708,000 licensed drivers, and all of them must carry auto insurance to stay legal on the road. The state requires at least the following minimum liability limits:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $15,000 per accident7
These amounts represent the lowest level of coverage you can have to comply with Idaho law. However, minimum coverage limits fall short after a serious crash. If damages exceed your policy limits, you’ll pay for the remaining costs out of pocket.
For better protection, it’s wise to consider full coverage. This includes both comprehensive auto insurance and collision insurance, which provide a better safety net than the state minimums alone.
Methodology: How We Review Providers
To identify the best auto insurance providers in Idaho, we used a scoring approach built around four key areas:
- Pricing (40%): We compare the average rates for both minimum and full coverage across the state, looking at costs for drivers with clean records as well as those with violations, including DUIs. We also factor in available discounts. Minimum coverage rates reflect Idaho’s required limits, while full coverage rates are based on the following benchmarks:
-
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000 per accident
- Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
- Comprehensive and collision: $500 deductible
- Claims handling (25%): A provider’s ability to manage claims quickly and fairly plays a major role in our scoring. To evaluate this, we draw on independent resources, such as the J.D. Power Auto Claims Satisfaction Study and other industry reports.
- Customer experience (25%): We measure how easy each company makes it to get a quote, manage a policy, and access support. This includes reviewing mobile tools, online account features, and the availability of local agents. We also incorporate third-party insights from J.D. Power, customer service metrics specific to the region, and mobile app ratings.
- Coverage options (10%): Companies that offer more than the state minimum earn higher marks. We look for valuable add-ons, such as gap insurance, accident forgiveness, and other optional protections that expand flexibility for Idaho drivers.
Find out more about our ratings and methodology sources.
Frequently Asked Questions
USAA offers the cheapest full coverage car insurance in Idaho, at $840 annually, on average. For nonmilitary drivers, State Farm has the lowest average rate, at $995 annually.
Car insurance in Idaho averages $129 per month for full coverage and $33 per month for minimum coverage. These rates are 34 percent and 45 percent less than the national averages, respectively.
Idaho requires insurance covering bodily injuries up to $25,000 per person/$50,000 per accident and property damage up to $15,000.
No, Idaho is not a no-fault state for auto insurance. Idaho is an at-fault state, which means the party responsible for the accident pays for the accident’s losses. That is why you are required to have liability insurance to drive in Idaho.
Sources
Auto Insurer Websites and Apps Become Battleground for New Customers as Policy Shopping Activity Skyrockets, JD Power Finds. JD Power. (2025, May 14).
https://www.jdpower.com/business/press-releases/2025-us-insurance-digital-experience-studyIt’s Now a Buyer’s Market for Auto Insurance, JD Power Finds. JD Power. (2025, Jun 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htmIdaho Traffic Crashes 2024. Idaho Transportation Department Office of Highway Safety. (2024).
https://apps.itd.idaho.gov/Apps/OHS/Crash/24/Analysis.pdfRequired Auto Coverage. Idaho Department of Insurance. (2026).
https://doi.idaho.gov/consumers/auto-insurance/required-auto-coverage/
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