Cheap Auto Insurance in Idaho for 2024 (Find Savings With These 10 Companies)

The top picks for cheap auto insurance in Idaho are USAA, State Farm, and Travelers, with rates starting at just $11 per month.

USAA offers the most affordable rates and exceptional customer service, making it the best overall choice for Idaho residents. State Farm is ideal for those seeking reliable, local coverage with a strong reputation and personalized service. Travelers stands out with comprehensive policies that provide great value, offering solid protection at competitive rates.

Our Top 10 Company Picks: Cheap Auto Insurance in Idaho

Whether you’re looking for the lowest rates, dependable local service, or broad coverage options, these three companies offer the best solutions for affordable auto insurance in Idaho. Find cheap auto insurance quotes by entering your ZIP code above.

#1 – USAA: Top Overall Pick

Pros

• Lowest Rates for Military Families: USAA offers auto insurance in Idaho starting at $11 per month, the cheapest option for eligible drivers.
• Tailored Military Coverages: Idaho vehicle insurance through USAA includes benefits like deployment-related options and overseas coverage.
• Exceptional Financial Stability: An A++ A.M. Best rating ensures reliable claims service for Idaho car insurance policyholders.

Cons

• Eligibility Restricted to Military: Only service members, veterans, and their families can access USAA’s affordable auto insurance in Idaho.
• Few In-person Services: Drivers in Idaho looking for face-to-face support may find USAA auto insurance review insights helpful despite limited locations for car insurance quotes.

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#2 – State Farm: Best for Local Coverage

Pros

• Affordable Local Rates: Idaho car insurance with State Farm starts at $15 per month, offering a balance of cost and coverage.
• Wide Agent Availability: Idaho drivers benefit from a large network of local agents for vehicle insurance needs and personalized service.
• Comprehensive Discount Options: Idaho policyholders save through safe driving, multi-policy bundling, and accident-free discounts for affordable auto insurance.

Cons

• Outdated Digital Tools: State Farm’s online platform offers fewer features than some competitors, as noted in a State Farm auto insurance review for Idaho car insurance management.
• Young Driver Premiums: Idaho drivers under 25 may find more competitive rates with Geico or Progressive for vehicle insurance.

#3 – Travelers: Best for Comprehensive Policies

Pros

• Extensive Coverage Options: Travelers provides Idaho drivers with add-ons like gap insurance, accident forgiveness, and new car replacement.
• Budget-friendly Premiums: Idaho vehicle insurance starts at $16 per month, offering a good value for comprehensive policies.
• Reliable Financial Strength: Travelers’ A++ A.M. Best rating ensures confidence in claims handling for auto insurance in Idaho.

Cons

• Limited Discounts: Travelers auto insurance review shows fewer opportunities for Idaho drivers to save compared to Geico or Liberty Mutual.
• Slightly Higher Minimum Coverage Rates: Idaho drivers seeking basic coverage may find cheaper options with USAA or State Farm.

#4 – Geico: Best for Affordable Rates

Pros

• Low-cost Premiums: Geico offers affordable Idaho auto insurance, starting at $17 per month for drivers across the state.
• Top-notch Digital Tools: Idaho drivers can explore a Geico auto insurance review to learn about its intuitive mobile app and online portal for managing vehicle insurance.
• Wide-ranging Discounts: Idaho policyholders can save with multi-vehicle, safe driver, and bundling discounts for affordable car insurance.

Cons

• Customer Service Variability: Geico receives mixed reviews for support quality among Idaho car insurance customers.
• Higher Risk-based Premiums: Idaho drivers with a history of violations may face higher costs compared to State Farm or Travelers.

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#5 – Liberty Mutual: Best for Flexible Options

Pros

• Customizable Policies: Liberty Mutual offers Idaho vehicle insurance add-ons like rental car reimbursement and accident forgiveness.
• Reasonable Pricing for Safe Drivers: Monthly rates for Liberty Mutual auto insurance in Idaho start at $23 for clean driving records.
• Innovative Savings Programs: The Liberty Mutual auto insurance review highlights discounts like RightTrack, which reward Idaho drivers for safe driving habits.

Cons

• Higher Premiums for high-risk Drivers: Liberty Mutual’s Idaho car insurance can be expensive for drivers with poor records.
• Discounts may Require Tracking: Savings programs like RightTrack involve telematics, which some Idaho drivers may prefer to avoid.

#6 – Nationwide: Best for Bundling Discounts

Pros

• Bundling Savings: Idaho drivers can combine auto and home insurance for significant savings on vehicle insurance.
• Affordable Rates: Starting at $24 per month, Nationwide offers competitive premiums for Idaho car insurance policyholders.
• Strong Financial Ratings: Nationwide’s A+ A.M. Best score ensures reliable coverage for Idaho auto insurance customers.

Cons

• Limited Standalone Discounts: Idaho drivers not bundling policies may find fewer savings opportunities with a Nationwide auto insurance review.
• Online Tools Lack Customization: Nationwide’s online interface is less robust for personalized Idaho vehicle insurance management.

#7 – Progressive: Best for Online Services

Pros

• Feature-rich Online Platform: Idaho drivers can manage auto insurance policies, get quotes, and file claims easily online.
• Usage-based Discounts: Progressive’s Snapshot program offers Idaho car insurance savings for safe drivers.
• Competitive Rates: Monthly premiums start at $26, offering affordable vehicle insurance for Idaho residents.

Cons

• Snapshot not for Everyone: Telematics-based discounts may not suit all Idaho car insurance customers, as noted in the Progressive auto insurance review.
• Higher Rates for Comprehensive Coverage: Progressive’s full coverage in Idaho may cost more compared to Travelers or State Farm.

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#8 – Farmers: Best for Customizable Coverage

Pros

• Personalized Coverage Options: Idaho drivers can customize auto insurance with unique add-ons like glass repair and rideshare coverage.
• Fair Monthly Premiums: Starting at $27, Farmers provides competitive rates for Idaho car insurance, according to a Farmers auto insurance review.
• Local Agent Access: Idaho vehicle insurance policyholders can work with local agents for tailored coverage and support.

Cons

• Limited Discounts: Farmers offers fewer savings opportunities compared to Geico or Progressive for affordable car insurance in Idaho.
• Slightly higher Base Rates: Minimum coverage rates are higher than USAA or State Farm for Idaho auto insurance.

#9 – American Family: Best for Family Protection

Pros

• Family-friendly Policies: Add-ons like teen driver discounts and accident forgiveness make it ideal for Idaho car insurance for families.
• Decent Premiums: Rates start at $28 per month, offering fair pricing for comprehensive Idaho vehicle insurance coverage.
• Bundling Options: Policyholders can combine auto and home insurance for affordable auto insurance in Idaho.

Cons

• Not the Cheapest Option: Monthly rates are higher compared to Geico or Travelers for Idaho car insurance, as highlighted in the American Family auto insurance review.
• Limited Availability: American Family has fewer local offices in Idaho for car insurance quotes and support.

#10 – Allstate: Best for Discount Opportunities

Pros

• Wide Range of Discounts: Idaho drivers save with safe driving, bundling, and multi-policy discounts for auto insurance.
• Strong Financial Backing: Allstate’s A+ rating ensures reliable claims handling for Idaho vehicle insurance.
• Comprehensive Coverage Options: Add-ons like roadside assistance and accident forgiveness enhance Idaho car insurance policies.

Cons

• Higher Base Premiums: Starting at $37, Allstate’s rates are higher than competitors for affordable auto insurance in Idaho.
• Complex Discount Eligibility: Some Idaho drivers may find meeting requirements for savings programs challenging, as noted in an Allstate auto insurance review.

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Idaho Car Insurance Coverage and Rates

Auto insurance in Idaho varies depending on the provider and the type of coverage selected. Meager packages may run as little as $11 for monthly premiums if USAA, while the high-end coverage may cost as much as $37 per month at Allstate. For full coverage, which offers more extensive protection, rates increase, with USAA providing the lowest rate at $40 per month, while Allstate charges up to $128.

Other providers, such as Geico and State Farm, also offer competitive pricing for minimum and full coverage, with Geico starting at $57 for full coverage and State Farm offering low-cost options for both types. More importantly, in Idaho, the minimum car insurance requirements are  $25,000 for bodily injury liability per person, $50,000 per accident, and $15,000 for property damage liability.

Experts, however, advise higher levels of coverage to leave extra money while paying off claims. One of the most recommended coverage levels is $100,000 for bodily injury liability per person, $300,000 per accident, and $50,000 for property damage liability. Such higher coverage would provide more security upon crashing heavily.

Many Idaho auto insurance companies won’t even quote you for a minimum policy since the coverage is too minimal and highly recommend more comprehensive coverages for better security. When seeking cheap car insurance in Idaho, the low cost must accompany good coverage.

Idaho Auto Insurance Monthly Rates by Provider & Coverage Level

 

Idaho residents know there’s a whole lot more to the state than potatoes! Although potatoes do have a big role in the economy. Potatoes represent 15 percent of the state’s gross product.

Recreational opportunities abound in Idaho. Whether you’re interested in hitting the slopes for some deep powder, white water rafting, hot spring soaking, or enjoying the outdoors in some other way, Idaho has the goods!

If you’re more of a cultural connoisseur, Idaho has museums, music festivals, and fine dining to suit your preference.

Whatever you enjoy, you’re going to have to hit the road to get there. And if you’re going to drive, you’re going to need car insurance.

What kind of car insurance do you need? Where can you find the best price? How do you know which company is best?

Finding answers to these questions can take a lot of time and can feel overwhelming, but we’ve already done the work, and we’ll answer those questions and more starting with what Idaho law requires.

If you want to compare rates quickly and easily, we have just the tool for you! Enter your zip code above and see how much you could save on car insurance.

Minimum Coverage

You may see Idaho’s requirements represented as follows: 25/50/15. The table above spells out what those numbers mean.

As previously encouraged, you should consider higher liability limits. Consider the following scenario: You t-bone a new Cadillac Escalade. The driver and passenger both require hospitalization and months of therapy.

The medical bills of the injured party exceed $100,000 and the property damage is about $60,000.

If you have only the minimum state-required limits, you will be liable for the difference which is over $50,000 for injuries and $45,000 for property damage. The injured party would collect from your insurance agency and then sue you for the remainder.

It doesn’t cost that much more to increase your limits, and it is money well-spent.

Forms of Financial Responsibility

An insurance policy is the most common way to meet the liability requirements in Idaho. Proof of insurance can be in the following forms:

• Insurance card
• Electronic verification

Another less common option is to post an indemnity bond of at least $50,000, of which $15,000 is for property damage, for each registered vehicle up to $120,000 maximum for five or more vehicles.

Premiums as a Percentage of Income

The average disposable personal income (DPI) in Idaho is $33,600 per year. DPI is the money you have left after taxes. Car insurance costs an average of $673 a year, which ends up being two percent of the average Idahoan’s DPI.

Over the course of three years, the cost of car insurance has risen as the average income has risen in Idaho.

Nationally, people pay about 2.4 percent of their DPI for auto insurance.

Idaho Cost for Core Coverage Compared to National Cost

The good news for Idaho residents is that rates are significantly lower than the countrywide average.

Largest Companies in Idaho Direct Premiums Written

Allstate’s loss ratio is significantly lower than the top five insurance companies. That makes sense when you consider that their rates are significantly higher than the other companies. Less of their money goes to pay claims while more of their money goes to investors.

Find the Cheapest Insurance in Idaho Cities

This section provides a direct comparison of insurance rates in multiple Idaho cities: Boise, Idaho Falls, Meridian, Nampa, and Pocatello. Securing affordable insurance is crucial for optimal coverage. Whether in the state capital or other cities, drivers can use this data to find the most economical insurance options, ensuring suitable coverage at competitive rates.

Idaho Can’t-Miss Facts

Driving can be dangerous, and we’re going to show you some of the sobering statistics of danger on the roads. Being aware of the danger can help you be more alert and drive more safely.