The Best and Cheapest Car Insurance Quotes in Idaho in 2026
State Farm has the best cheap car insurance in Idaho, at $85 per month for full coverage and $26 for liability coverage.
Find Cheap Car Insurance Quotes in Idaho
Best and cheapest car insurance in Idaho
- Cheapest full coverage: State Farm, $85/mo
- Cheapest minimum liability: State Farm, $26/mo
- Cheapest for young drivers: Farm Bureau, $85/mo
- Cheapest after a ticket: State Farm, $92/mo
- Cheapest after an accident: State Farm, $99/mo
- Cheapest for teens after a ticket: Farm Bureau, $85/mo
- Cheapest after a DUI: Travelers, $195/mo
- Cheapest for poor credit: Geico, $164/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm and Farm Bureau offer the best combination of affordable rates and reliable customer service in Idaho.
State Farm offers online quotes, which makes it the best choice for Idaho drivers looking to compare rates quickly. To get a quote from Farm Bureau, you'll have to contact a local agent.
Cheapest Idaho auto insurance: State Farm
State Farm has the cheapest car insurance quotes in Idaho for a full coverage policy.
Find Cheap Car Insurance Quotes in Idaho
Full coverage from State Farm costs $85 per month. That's $42 less per month than the state average and $29 per month less than Geico, the second cheapest.
Best cheap auto insurance in Idaho
Company | Monthly rate | |
|---|---|---|
| State Farm | $85 |
| Geico | $114 |
| American Family | $123 |
| Farm Bureau | $126 |
| Auto-Owners | $135 |
Data-powered research on Idaho car insurance
| Data-powered research on ID car insurance |
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Cheapest liability-only auto insurance quotes in Idaho: State Farm
State Farm has the best cheap liability car insurance in Idaho.A minimum liability policy from State Farm costs $26 per month. That's around half the state average of $48 per month.
Cheapest car insurance rates in Idaho
Company | Monthly rate |
|---|---|
| State Farm | $26 |
| Geico | $34 |
| Farm Bureau | $38 |
| American Family | $39 |
| Auto-Owners | $40 |
Find Cheap Car Insurance Quotes in Idaho
Cheapest Idaho insurance for teens: Farm Bureau
Farm Bureau has the cheapest car insurance quotes for 18-year-old drivers in Idaho.
Minimum liability insurance from Farm Bureau costs $85 per month for a teen driver. State Farm’s rate is also cheap, just $4 per month more than State Farm.
State Farm offers the best full coverage rates for teen drivers. At $262 per month, full coverage from State Farm is $166 per month less than the state average.
Best cheap car insurance in Idaho for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $85 | $277 |
| State Farm | $89 | $262 |
| Auto-Owners | $124 | $320 |
| Geico | $132 | $405 |
| Travelers | $151 | $404 |
On average, young drivers in Idaho pay $157 per month for minimum liability car insurance. That's more than three times as much as a 30-year-old driver pays. Younger drivers pay much more for car insurance because insurance companies believe they're more likely to be in a crash or make a claim.
The best way for young drivers in Idaho to save money on their car insurance is by sharing a policy with their parents.
Many companies also have discounts geared toward teen drivers. For example, the State Farm Steer Clear program offers a discount if you take online safety courses and practice driving with an adult.
Cheap insurance in Idaho for people with a speeding ticket: State Farm
State Farm has the cheapest car insurance in Idaho for drivers with a recent speeding ticket. A full coverage policy from State Farm costs around $92 per month after a single ticket. That's half the Idaho state average.
Best auto insurance in Idaho after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $92 |
| Farm Bureau | $126 |
| Auto-Owners | $135 |
| American Family | $147 |
| Geico | $148 |
Speeding tickets raise your rate by almost 25% in Idaho. That's an average increase of $36 per month for a full coverage policy.
Cheapest Idaho insurance after an accident: State Farm
State Farm has the cheapest quotes for Idaho drivers with an accident on their record. State Farm charges $99 per month for full coverage, which is the cheapest option by far. It's $135 per month less than the state average and $66 less than the next-cheapest company, Farm Bureau.
Affordable car insurance in Idaho after an accident
Company | Monthly rate |
|---|---|
| State Farm | $99 |
| Farm Bureau | $165 |
| Travelers | $190 |
| Auto-Owners | $197 |
| Geico | $216 |
Average rates in Idaho go up by 58% after an at-fault accident. That means a single accident can cost you $86 more per month for full coverage.
You shouldn't switch car insurance companies right away after an accident. Your rates won't go up until your current policy renews, but they will with a new policy.
Instead, wait until you get your renewal offer in the mail or via email. Then, you should compare online quotes from multiple companies to find the best rate for you.
Cheapest quotes in ID for teens with a ticket or accident: Farm Bureau and State Farm
Farm Bureau has the most affordable quotes in Idaho for teens with a ticket.
A minimum-liability policy from Farm Bureau costs $85 per month for a teen with one speeding ticket. That's $106 per month less than the Idaho average.
State Farm charges around $107 per month for an 18-year-old driver with an at-fault accident on their record. That's less than half the statewide average for these drivers.
Low-cost car insurance in Idaho for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $85 | $111 |
| State Farm | $97 | $107 |
| Auto-Owners | $144 | $198 |
| Geico | $154 | $172 |
| Travelers | $187 | $222 |
Cheapest insurance in Idaho after a DUI: Travelers
Travelers has the most affordable coverage for Idaho drivers with a DUI on their record. Full coverage from Travelers costs $195 per month, which is $92 per month cheaper than the average rate for drivers with a DUI.
Best auto insurance rates in Idaho after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $195 |
| Allstate | $248 |
| American Family | $251 |
| State Farm | $276 |
| Farm Bureau | $278 |
Driving under the influence (DUI) raises rates more than any other driving incident. In Idaho, drivers with a DUI pay nearly twice as much for full coverage insurance as drivers with a clean record.
Cheap insurance quotes in Idaho for drivers with poor credit: Geico
Geico has the most affordable auto insurance for drivers with bad credit in Idaho. At $164 per month, full coverage from Geico is $56 per month cheaper than the state average.
Company | Monthly rate |
|---|---|
| Geico | $164 |
| State Farm | $169 |
| American Family | $189 |
| Farm Bureau | $192 |
| Auto-Owners | $207 |
In Idaho, drivers with bad credit pay an average of $71 per month more for full coverage than drivers with good credit.
This is a smaller rate hike than in many other states, in part because Idaho law limits the amount insurance companies can raise your rates based on your credit score alone.
Best car insurance in Idaho
State Farm is the best insurance company in Idaho.
That's because State Farm has excellent customer service service, useful coverage options and affordable quotes.
Farm Bureau also has great customer service scores and cheaper-than-average rates.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| State Farm | 650 | A++ | |
| Farm Bureau | 645 | A | |
| Auto-Owners | 638 | A+ | |
| Mutual of Enumclaw | A- | ||
| American Family | 640 | A |
Car insurance quotes in Idaho by city
Mountain Home, the largest city in Elmore County, has the cheapest car insurance rates in Idaho.
Drivers in Mountain Home pay an average of $134 per month for full coverage insurance.
Kootenai, a small city nestled by three national forests, has the most expensive rates in Idaho, at $163 per month. This could be partially because of the high vehicle theft rates in Bonner County, where Colburn is located.
Average car insurance rates in Idaho by city
City | Monthly rate | % from average |
|---|---|---|
| Aberdeen | $153 | 3% |
| Ahsahka | $158 | 7% |
| Albion | $149 | 1% |
| Almo | $147 | -1% |
| American Falls | $148 | 0% |
In addition to credit score and driving history, insurance companies factor your location into your auto insurance quotes. Depending on where you live in Idaho, average rates can vary by as much as $23 per month.
Minimum requirements for auto insurance in Idaho
Drivers in Idaho must have car insurance with a minimum of 25/50/15 of liability insurance.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $15,000 per accident
Idahoan insurance companies are required to also automatically provide coverage for uninsured and underinsured motorist bodily injury. Their coverage limits typically match the limits you select for regular bodily injury liability per person and per accident.
For example, if your insurance has bodily injury liability of $25,000 per person and $50,000 per accident, you likely have that same coverage amount in the case that someone without insurance, or without enough insurance, hits your car while you’re driving.
What's the best car insurance coverage for Idaho drivers?
Most drivers in Idaho should get full coverage car insurance.
That's because it includes collision and comprehensive insurance.
- Collision coverage pays for damage from a crash, regardless of who caused it
- Comprehensive coverage pays for damage outside of your control, like weather-related damage or theft
If you have a car loan or lease, your lender will typically require you to have a full coverage policy.
In addition, you may want to consider adding other optional coverages, such as roadside assistance, rental car reimbursement or medical payments coverage.
Minimum liability coverage is the cheapest type of car insurance to avoid penalties, but it's usually not the best option. Minimum liability policies in Idaho only cover the other driver's injuries or repairs. That means your insurance company won't cover your injuries or pay to repair damage to your car.
Frequently asked questions
Where can I get Idaho car insurance with a bad record?
State Farm is the best choice for Idaho drivers with a speeding ticket or accident on their record. The company offers very affordable rates, along with reliable customer service. Travelers has cheaper quotes after a DUI.
What is the best car insurance in Idaho?
State Farm has the best car insurance in Idaho. It has great customer service reviews, and typically has affordable rates. Idaho drivers should also compare quotes from Farm Bureau, which has the cheapest rates in the state for young drivers.
How much is car insurance per month in Idaho?
NEED NATIONAL DATA The average cost of car insurance in Idaho is $148 per month for a full coverage policy. That's $64 per month less than the national average.
How much is auto insurance in Nampa, ID?
The average cost of car insurance in Nampa is $156 per month for a full coverage policy. That's $8 per month more than the statewide average.
What is the cheapest car insurance in Idaho?
State Farm has the cheapest car insurance rates in Idaho in 2026. A full coverage policy from State Farm costs around $85 per month, which is $63 less than average rate in Idaho. State Farm also has the cheapest minimum liability coverage, at an average of $26 per month.
Methodology
ValuePenguin editors collected thousands of rates from ZIP codes across Idaho for the state's largest insurance companies. Rates are for a 30-year-old man with good credit and a clean driving record who owns a 2018 Honda Civic EX.
Quotes are for a full coverage policy with the following limits:
- $50k of bodily injury liability coverage per person, and $100k per accident
- $50k of property damage liability
- $50k of bodily injury uninsured motorist coverage per person, and $100k per accident
- $25k of uninsured motorist coverage for property damage
- Collision and comprehensive coverage with a $500 deductible
For minimum coverage quotes, our experts used a policy with the minimum required limits in Idaho.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Senior Writer
Jenn Jones is a Senior Writer at LendingTree where she covers auto, home, renters and motorcycle insurance topics.
Previously an editor for USA TODAY Blueprint and a finance manager at World Car dealerships, she has more than a decade of experience in the world of personal finance and a deep interest in sharing knowledge that empowers others. She’s also served as a freelance translator, copy editor, writer and researcher. She graduated from the University of Virginia with a B.S. in commerce and a B.A. in Chinese language and literature.
How insurance helped Jenn
Jenn first came to appreciate pet insurance when annual checkups for her cat and dog totaled more than $700.
Expertise
- Auto insurance
- Renters insurance
- Condo insurance
- Home insurance
Referenced by
- USA TODAY
- MSN
- F&I Magazine
- Automotive News
Education
- BS, Commerce, University of Virginia
- BA, Chinese Language and Literature, University of Virginia
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
