Licensed Realtor with 10+ years in personal finance content
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Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated October 29, 2024
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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Table of contents
On average, Idaho drivers pay $135 per month for full-coverage car insurance, much lower than the national average of $211. Rates are low partially due to the state’s high number of rural areas and seventh-lowest population density.[1]
Location isn't the only factor that affects car insurance rates. Insurers also consider your age, driving history, vehicle, credit history, and more when determining your premium. Because each insurer weighs those factors differently, it's important to compare car insurance quotes to find the coverage you need at a good price. Here’s what you need to know to find the best car insurance in Idaho.
Idaho car insurance rates are among the lowest in the U.S. Full-coverage car insurance averages $135 per month in Idaho; liability averages $69 per month.
Auto insurers in Idaho can consider your credit history when determining your premium.
Idaho is a fault-based insurance state, meaning the insurance of the driver who caused the accident pays for the other party's damages and injuries.
Best car insurance companies in Idaho
While shopping for the best car insurance in Idaho, you’ll see variance in rates and the specific insurance products and perks companies offer. The company that’s best for you depends on your insurance needs, budget, and how you drive.
Insurance Company ▲▼ | Best For ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Insurify Quality (IQ) Score ▲▼ |
---|---|---|---|
Safeco | Overall | $104 | 8.3 |
Liberty Mutual | Families | $125 | 7.7 |
The General | High-risk drivers | $204 | 7.3 |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurance for overall: Safeco
User Reviews | 3.4 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3/10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $63/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $104/mo |
With some of the lowest rates in Idaho and an Insurify Quality (IQ) Score of 8.3, Safeco is a good option for most Idaho drivers. The company offers multiple incentives for good driving, including a diminishing deductible program that lowers your deductible amount for driving claims-free. You can also save by bundling your Safeco auto policy with one of the insurer's other products, like homeowners or renters insurance.
Some of the lowest rates in Idaho
Rewards good drivers with savings
Lower-than-average number of consumer complaints with the National Association of Insurance Commissioners
Low customer satisfaction ranking in 2023 J.D. Power U.S. Auto Insurance Study
Doesn't offer gap insurance
Some online reviews suggest there's room for improvement in customer service
Insurance Keeps Going Up
Excellent
My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.
Best for families: Liberty Mutual
User Reviews | 2.8 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7/10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $125/mo |
The sixth-largest U.S. auto insurer by market share, Liberty Mutual can be a good choice for families looking for savings and ample coverage options. Liberty Mutual offers a wide array of discounts, including good student, claims-free, multi-car, multi-policy, and homeowner discounts. Besides standard coverages like liability, collision, and comprehensive, Liberty Mutual offers appealing optional coverages like roadside assistance, gap insurance, accident forgiveness, and new car replacement. It also offers a deductible fund that allows policyholders to save up to $100 per year toward a fund they can use to reduce their deductible if they ever need to file a claim.
Numerous discounts
Unique coverage options
Competitive prices for Idaho residents
Lower-than-average rank for customer satisfaction in J.D. Power 2023 U.S. Auto Insurance Study
Much higher-than-average number of complaints in the National Association of Insurance Commissioners' complaint index
Only 1.1 stars (out of 5) on Trustpilot
Been with them for 27 years, but I'm unsure
Price Gouging!
Don't use them, they will increase your rate within the six-month period of your term! And that's with no claims!
Best for high-risk drivers: The General
User Reviews | 2.7 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.3/10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $107/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $204/mo |
Idaho drivers whose driver profile or driving history make it difficult to find necessary coverage might find success with The General. The company specializes in providing coverage to difficult-to-insure drivers such as ones who need an SR-22, have a history of violations or accidents, have had a lapse in coverage, or poor credit. Unlike some competitors who offer limited discounts to high-risk drivers, The General has good student, bundling, and other discounts.
Competitive rates for high-risk drivers
Gap insurance available in some states
SR-22 filing available in most states
No usage-based insurance option to help good drivers save
Higher-than-average number of complaints in NAIC index
Relatively small number of agents (100 across the country)
Don't get lured in by the low rate quotes. They may be low, but all the extra fees they tack on raise that quote by 12-15 dollars a month.
Coverage is fine, but way too expensive, especially when they advertise 'great low rates'.
General on Point
Cheapest liability-only car insurance
As one of America’s most rural states, Idaho auto rates are among the nation’s lowest due to below-average accident rates. In fact, Idaho ranks 12th-cheapest for liability-only car insurance, according to Insurify’s internal data.
Liability insurance, which is mandatory in Idaho, offers two types of protection for accidents that you cause:
Bodily-injury liability covers other drivers’ and passengers’ medical bills if they’re injured or killed.
Property damage liability covers damage to other drivers’ and passengers’ property.[2]
Cheapest insurers for liability-only
Cheapest full-coverage car insurance in Idaho
Full-coverage car insurance includes optional coverages to pay for damage to your car and other property. If you lease or finance your vehicle, your leasing company or lender will require you to carry full coverage. It typically consists of:
Collision coverage for car accidents with another vehicle or an object like a tree or light pole
Comprehensive coverage for damage caused by weather events, animals, theft, vandalism, and events other than collision
Depending on your circumstances, it might be a good idea to add additional optional coverages, such as uninsured/underinsured motorist coverage, when you purchase full coverage for your car. This coverage also protects you from hit-and-run losses.
Cheapest insurers for full coverage
Cheapest recent rates in Idaho
Drivers in and around Idaho have found policies from Progressive, Bristol West, Dairyland, and more, through Insurify in the last few days.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 29, 2024
*Quotes generated for Insurify users within the last 10 days. Last updated on October 29, 2024
Car insurance requirements in Idaho
As a fault-based insurance state, Idaho law requires all drivers to have bodily injury liability and property damage liability auto insurance coverage.[3] Fault-based insurance means the at-fault driver is responsible for the other parties’ damages.
Here are the minimum coverages you’ll need in Idaho:
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$15,000
The Idaho Department of Insurance notes that your insurance company must offer you uninsured motorist bodily injury and underinsured motorist bodily injury coverage, but you’re not obligated to purchase either.[4]
Cheapest car insurance companies for drivers with an incident
An incident is an event reported to your car insurance company and might result in an increase in your insurance rate. Examples include a speeding ticket, DUI conviction, or at-fault accident.
Insurance companies have two ways to increase rates following a chargeable incident: by imposing a surcharge or by ending any discounts you receive based on a good driving record or absence of claims.
Whether a particular incident actually increases your rate, and if so, by how much, depends on the severity of the incident and your car insurance company’s policies.
Cheapest car insurance for drivers with a speeding ticket
A speeding ticket may increase your insurance rate for three to five years, especially if you’ve had violations in the recent past and your insurance company identifies you as a high-risk driver. That’s because those behaviors increase your chance of having an accident. In Idaho, the average cost of full-coverage car insurance with a speeding ticket is $206 per month.
Here’s how much you can expect to pay for car insurance each month if you have a speeding ticket on your record in Idaho.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
---|---|---|
Progressive | $129 | $78 |
National General | $140 | $74 |
Safeco | $143 | $87 |
Direct Auto | $162 | $88 |
Dairyland | $175 | $77 |
Liberty Mutual | $183 | $85 |
Foremost | $251 | $130 |
Bristol West | $275 | $113 |
The General | $280 | $147 |
Cheapest car insurance for drivers with an at-fault accident
Unless you've purchased accident forgiveness coverage, an at-fault accident is likely to result in your insurance company imposing a surcharge for three to five years. How much depends on the circumstances and severity of the crash. A fender bender for which you’re partly responsible is likely to result in a smaller surcharge than an accident for which you’re 100% responsible and which totaled the other driver’s car.
In Idaho, an at-fault accident boosts the average cost of full-coverage car insurance to $202 per month.
Check the rates below to see how much you might pay each month for auto coverage if you have an at-fault accident on your driving record.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only |
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