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Last updated: April 12, 2025
Compare Cheap Auto Insurance in Idaho
State Farm has the cheapest rates for most drivers in Idaho. GEICO, Travelers and Idaho Farm Bureau are also competitive.
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Idaho is known for its potatoes and scenic mountain landscapes. With an average full coverage premium of $1,409 per year, Idaho drivers pay significantly less than the national average of $2,399. Whether you’re a safe driver, a teen looking for coverage, or someone with past violations, knowing your best options can help you save even more.
Overview
- The average cost of full coverage auto insurance in Idaho is $1,409 annually. Minimum coverage costs an average of $375 annually.
- State Farm is the cheapest provider in most categories. Auto-Owners is also affordable and has high customer satisfaction scores.
- GEICO, Travelers and Idaho Farm Bureau also have cheaper-than-average auto insurance rates for drivers in Idaho.
Jump to:
- Cheapest full coverage auto insurance in Idaho: State Farm ($988 annually) and GEICO ($1,096 annually)
- Cheapest minimum coverage: State Farm ($258 annually) and GEICO ($300 annually)
- Cheapest with a teen driver: State Farm ($2,379 annually) and Idaho Farm Bureau ($2,599 annually)
- Cheapest with a speeding ticket: State Farm ($1,199 annually) and Auto-Owners ($1,320 annually)
- Cheapest with an at-fault accident: State Farm ($1,300 annually) and Auto-Owners ($1,519 annually)
- Cheapest with a DUI: State Farm ($1,614 annually) and Travelers ($1,780 annually)
- Cheapest with low credit: GEICO ($1,332 annually) and State Farm ($1,832 annually)
Cheapest Car Insurance in Idaho for Full Coverage: State Farm
Full coverage insurance in Idaho is well below the national average, and the cheapest provider, State Farm, offers policies at an average of $988 per year. That’s 30 percent lower than the state average and 59 percent less than the national average. GEICO and Auto-Owners also offer competitive rates under $1,200 annually, making them strong contenders for affordable full coverage.
State Farm is one of our top choices for the best auto insurance in Idaho, especially if you want a cheap rate.
| Provider | Annual rate for full coverage | Monthly rate for full coverage |
|---|---|---|
| State Farm | $988 | $82 |
| GEICO | $1,096 | $91 |
| Auto-Owners | $1,150 | $96 |
| Travelers | $1,201 | $100 |
| Idaho Farm Bureau | $1,296 | $108 |
| Allstate | $1,993 | $166 |
| Idaho average | $1,409 | $117 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in Idaho for Minimum Coverage: State Farm
For drivers seeking the state-required minimum coverage, State Farm again offers the lowest rates, at just $258 per year. This is 31 percent lower than the Idaho average and 59 percent cheaper than the national average of $635. GEICO also provides affordable minimum coverage, coming in at $300 annually, making it another budget-friendly choice.
| Provider | Annual rate for minimum coverage | Monthly rate for minimum coverage |
|---|---|---|
| State Farm | $258 | $22 |
| GEICO | $300 | $25 |
| Auto-Owners | $393 | $33 |
| Travelers | $403 | $34 |
| Idaho Farm Bureau | $420 | $35 |
| Allstate | $569 | $47 |
| Idaho average | $375 | $31 |
| National average | $635 | $53 |
Cheapest Car Insurance in Idaho for Teen Drivers: State Farm
Households with teen drivers in Idaho face higher premiums, but they still pay less than the national average. State Farm offers the cheapest teen coverage, at $2,379 per year, which is 15 percent lower than the state average and 55 percent cheaper than the national average of $5,327. Idaho Farm Bureau and Auto-Owners also provide competitive rates under $2,800 annually.
| Provider | Annual rate with a teen driver | Monthly rate with a teen driver |
|---|---|---|
| State Farm | $2,379 | $198 |
| Idaho Farm Bureau | $2,599 | $217 |
| Auto-Owners | $2,732 | $228 |
| GEICO | $3,249 | $271 |
| Travelers | $3,704 | $309 |
| Allstate | $6,695 | $558 |
| Idaho average | $2,811 | $234 |
| National average | $5,327 | $444 |
HEADS UP
It’s usually cheaper to add a teen to an existing policy than to get them their own policy.
Cheapest Car Insurance in Idaho With a Speeding Ticket: State Farm
A speeding ticket can raise rates, but in Idaho, these increases usually remain manageable. State Farm still has the lowest average premium for drivers with a speeding ticket, at $1,199 per year, which is 25 percent below the state average. Auto-Owners, GEICO and Idaho Farm Bureau also offer affordable options below $1,400 per year.
| Provider | Annual rate with a speeding ticket | Monthly rate with a speeding ticket |
|---|---|---|
| State Farm | $1,199 | $100 |
| Auto-Owners | $1,320 | $110 |
| GEICO | $1,332 | $111 |
| Idaho Farm Bureau | $1,345 | $112 |
| Travelers | $1,507 | $126 |
| Allstate | $2,086 | $174 |
| Idaho average | $1,589 | $132 |
| National average | $2,511 | $209 |
FYI
Idaho uses a point system for traffic violations. It separates speeding tickets into infractions and misdemeanors, and assesses penalties based on the severity of the incident. Infractions result in points on your driver’s license, whereas a misdemeanor requires a court appearance.
Cheapest Car Insurance in Idaho With an At-Fault Accident: State Farm
After an accident, insurance rates increase, but State Farm remains the cheapest, at an average of $1,300 per year. That’s 32 percent lower than the Idaho average. Auto-Owners and Idaho Farm Bureau, which charge closer to $1,500 annually, are also competitive.
| Provider | Annual rate with an at-fault accident | Monthly rate with an at-fault accident |
|---|---|---|
| State Farm | $1,300 | $108 |
| Auto-Owners | $1,519 | $127 |
| Idaho Farm Bureau | $1,542 | $129 |
| Travelers | $1,661 | $138 |
| GEICO | $1,762 | $147 |
| Allstate | $2,800 | $233 |
| Idaho average | $1,909 | $159 |
| National average | $2,812 | $234 |
REMINDER
If you’re involved in a hit-and-run in Idaho, call 911 and report the accident to your insurance company immediately. Uninsured motorist coverage can help you recover damages, even if the other party flees the scene.
Cheapest Car Insurance in Idaho With a DUI: State Farm
A DUI can have a significant impact on insurance costs, but State Farm offers the lowest average rate, at $1,614 per year — 31 percent cheaper than the state average. Travelers is the next most affordable, at $1,780 annually, making it another reasonable option for drivers with a DUI.
| Provider | Annual rate with a DUI | Monthly rate with a DUI |
|---|---|---|
| State Farm | $1,614 | $135 |
| Travelers | $1,780 | $148 |
| Auto-Owners | $2,312 | $193 |
| Allstate | $2,418 | $202 |
| Idaho Farm Bureau | $2,532 | $211 |
| GEICO | $3,338 | $278 |
| Idaho average | $2,339 | $195 |
| National average | $3,305 | $275 |
Cheapest Car Insurance in Idaho With Low Credit: GEICO
Credit scores affect insurance rates in Idaho, but GEICO provides the most affordable option, at $1,332 per year. That’s 38 percent lower than the state average and 60 percent cheaper than the national average of $3,377. State Farm and Travelers also offer competitive pricing under $1,900 per year.
| Provider | Annual rate with low credit | Monthly rate with low credit |
|---|---|---|
| GEICO | $1,332 | $111 |
| State Farm | $1,832 | $153 |
| Travelers | $1,865 | $155 |
| Auto-Owners | $1,884 | $157 |
| Idaho Farm Bureau | $1,953 | $163 |
| Allstate | $2,652 | $221 |
| Idaho average | $2,150 | $179 |
| National average | $3,377 | $281 |
Best Claims and Customer Satisfaction in Idaho: State Farm
Customer satisfaction is an important factor when you’re choosing an insurer. State Farm has the highest regional satisfaction score (656) and the best claims satisfaction rating (710) in Idaho. Auto-Owners also stands out with a solid B rating on the CRASH Network Insurer Report Card, which indicates strong repair shop relationships. Although Idaho Farm Bureau isn’t included in these third-party reports, small regional insurers tend to offer high levels of service. Meanwhile, Allstate and Travelers rank the lowest in satisfaction and claims handling.
| Provider | Northwest region Customer Satisfaction (J.D. Power)1 | Claims Satisfaction (J.D. Power)2 | CRASH Network Insurer Report Card grade3 |
|---|---|---|---|
| State Farm | 656 | 710 | C- |
| GEICO | 637 | 692 | C- |
| Allstate | 626 | 691 | D |
| Travelers | 592 | 684 | C |
| Auto-Owners | Not ranked | 692 | B |
| Idaho Farm Bureau | Not ranked | Not ranked | Not ranked |
| Average | 643 | 697 | C+ |
How to Find the Cheapest Rates in Idaho
To find the cheapest auto insurance in Idaho, you must compare quotes from multiple providers. While State Farm, GEICO and Auto-Owners consistently offer some of the lowest rates, the best provider for you depends on factors such as your driving record, credit score and coverage needs. Here are a few tips to help you save:
- Compare quotes regularly. Auto insurance rates change, so it’s important to shop around at least once a year to ensure you’re getting the best deal.
- Take advantage of discounts. Many insurers in Idaho offer discounts for bundling policies, maintaining a clean driving record, or completing a defensive driving course.
- Consider adjusting coverage levels. If you drive an older car, you might reduce your rate by dropping comprehensive and collision coverage. However, make sure you have enough coverage to protect yourself financially.
- Improve your credit score. Because Idaho insurers consider credit history when setting rates, an improved credit score may lead to lower premiums.
- Choose a higher deductible. Opting for a higher deductible can lower your monthly premium, but ensure you can afford the out-of-pocket cost in the event of an accident.
By following these steps and comparing rates across providers, Idaho drivers can find the most affordable coverage that meets their needs.
Average Auto Insurance Cost in Idaho by City
Location matters for insurance rates. The cheapest city for auto insurance in Idaho is Meridian, with an average annual premium of $1,362. On the higher end, Caldwell ($1,468 annually) and Idaho Falls ($1,462 annually) have the most expensive rates, but these figures remain well below the national average.
| City | Average annual premium | Average monthly premium |
|---|---|---|
| Meridian | $1,285 | $107 |
| Boise | $1,362 | $114 |
| Nampa | $1,379 | $115 |
| Idaho Falls | $1,462 | $122 |
| Caldwell | $1,468 | $122 |
Minimum Car Insurance Requirements in Idaho
At a minimum, you must maintain the following coverages and limits to drive legally in Idaho:
- $25,000 per person/$50,000 per accident in bodily injury liability
- $15,000 in property damage liability
- $25,000 per person/$50,000 per accident in uninsured/underinsured motorist coverage4
Frequently Asked Questions
Who has the cheapest auto insurance in Idaho?
State Farm provides the lowest auto insurance rate across most categories in Idaho. Its average full coverage rate in Idaho is $988, and its average minimum coverage rate in the state is $258. GEICO is the next cheapest, on average, at $1,096 for full coverage and $300 for minimum coverage. That said, the exact rates vary significantly from person to person. The best way to find the cheapest auto insurance is to compare quotes from at least three providers.
Is $200 a lot per month for auto insurance in Idaho?
Yes, $200 per month is a lot for auto insurance in Idaho, assuming you have a clean record and no teen drivers on your policy. Full coverage (from State Farm) can run as low as $82 per month, and the statewide average cost is $117 monthly. However, drivers with a DUI ($195 monthly) and households with teen drivers ($234 monthly) pay significantly more than the state average.
Is Idaho a no-fault state?
No, Idaho is not a no-fault state. It follows a traditional fault-based system, meaning the driver who causes the accident is responsible for paying damages. If you cause an accident, your insurer will pay for the other party’s damages up to your selected limits. Injured parties can file a claim with the at-fault driver’s insurance or pursue a lawsuit if necessary.
Methodology
We analyzed average premiums in Idaho for full and minimum coverage for good drivers with good credit as well as various driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Medical payments: $5,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
2024 U.S. Auto Insurance Study. J.D. Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyInsurer Report Card. CRASH Network. (2025).
https://www.crashnetwork.com/irc/Required Auto Coverage. Idaho Department of Insurance. (2025).
https://doi.idaho.gov/consumers/auto-insurance/required-auto-coverage/
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