Cheap Auto Insurance in Idaho for 2025 (Find Savings With These 10 Companies)

The cheap auto insurance in Idaho are USAA, State Farm, and Travelers, with USAA ranked as the top overall pick.

USAA earns that spot thanks to its high customer satisfaction, strong financial stability, and tailored benefits for military families. State Farm is a smart choice for drivers who prefer working with local agents and value consistent claims support.

Our Top 10 Company Picks: Cheap Auto Insurance in Idaho

Travelers rounds out the list with flexible full coverage options and strong value for drivers who want more than just the basics.

If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool to compare your rates against the top insurers.

#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 looking for low-cost coverage with reliable service.
• 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: State Farm is one of the cheapest car insurance companies in Idaho, starting at $15 monthly for 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• Outdated Digital Tools: State Farm’s online platform offers fewer features than some competitors, as noted in a State Farm auto insurance review for Idaho car insurance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 offers add-ons such as gap insurance, accident forgiveness, and new car replacement to Idaho drivers.
• Budget-friendly Premiums: The cheapest full-coverage insurance in Idaho costs $16 a month, which is a great rate.
• 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: Idaho auto insurance from Geico starts at $17 per month for drivers statewide.
• 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: By bundling auto and home insurance, Idaho drivers can enjoy major savings on vehicle coverage.
• 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 vehicle owners can easily set up online auto insurance policies, get quotes, and file claims online.
• Usage-based Discounts: Safe drivers can save on Idaho car insurance with Progressive’s Snapshot program.
• 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: With its add-ons like teen driver discounts and accident forgiveness, it is perfect for Idaho car insurance for families.
• Decent Premiums: Starting at $28 per month, fair prices 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

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Pros

• Wide Range of Discounts: Safe driving habits, bundling, and multi-policy discounts make auto insurance cheaper for Idaho drivers.
• Strong Financial Backing: For vehicle insurance in Idaho, Allstate’s A+ rating guarantees dependable claims handling.
• 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.

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.

Idaho Auto Insurance Monthly Rates by Provider & Coverage Level

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 they highly recommend more comprehensive coverage for better security. When seeking cheap car insurance in Idaho, the low cost must accompany good coverage.

Idaho Full Coverage Insurance Rates by Driving Record

When you look at full coverage rates across top providers in Idaho, USAA comes in with the lowest monthly premiums—$110 with a clean record and still only $170 even after a DUI.

Idaho Full Coverage Auto Insurance Monthly Rates by Driving Record

Geico and State Farm also stay competitive, with rates hovering just above $115–$120 for drivers with clean histories. On the higher end, Allstate tops out at $220 per month after a DUI, which is $50 more than USAA in the same situation.

If you’re comparing across the board, it’s clear that companies like USAA, Geico, and State Farm consistently offer cheaper auto insurance in Idaho, especially when your driving record isn’t spotless.

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Idaho Auto Insurance Rates by City Accident

Accident and claim rates vary widely across Idaho cities, and that plays a big role in how cheap auto insurance rates stack up. For example, Boise sees over 4,200 claims a year, while places like Bellevue or Iona have fewer than five. That kind of difference impacts pricing—drivers in high-claim cities like Boise, Meridian, and Nampa tend to pay more than those in smaller towns like Preston or Salmon.

Idaho Accidents & Claims per Year by City

So even if a company like USAA or Geico offers low base rates, your city’s accident volume could nudge that number up. That’s why it’s worth comparing quotes based on where you live—some companies are just better at keeping rates affordable even in higher-risk areas.

Idaho Auto Insurance Risk Factors & Premium Grades

Idaho’s auto insurance “report card” gives a quick snapshot of what’s driving rates across the state. Weather-related risks get an A—meaning there’s a higher risk from storms and severe conditions, which can lead to more claims. The average claim size earns a B, reflecting slightly higher payouts compared to other states and contributing to the average car insurance rates that Idaho drivers pay.

Idaho Report Card: Auto Insurance Premiums

Vehicle theft gets a B- due to a moderate but noticeable uptick, and traffic density sits at a C, showing that while congestion isn’t severe, it’s enough to factor into pricing. These are just a few of the factors that affect your car insurance premium, all of which play into how companies set their rates, even in areas where coverage tends to be cheaper.

Best Idaho Auto Insurance Discounts by Provider

When it comes to discounts, Idaho drivers have a lot to gain depending on the company they choose. Nationwide stands out with a generous 40% good driver discount, while State Farm gives the biggest break for good students at 35%.

Auto Insurance Discounts From Top Idaho Providers

Liberty Mutual leads in anti-theft savings at 35%, and American Family offers strong across-the-board savings, including 25% for bundling and good drivers. If you’re a loyal customer, Allstate and American Family also reward you with discounts up to 18%. So, whether you’re a safe driver, bundling policies, or just sticking with the same company, there are real savings available—if you pick the right provider.

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Most Common Auto Insurance Claims in Idaho

In Idaho, the most common auto insurance claims are for property damage liability, making up 43% of all claims, with an average payout of around $2,500. Collision claims follow at 35%, costing about $3,500 each. Bodily injury liability isn’t as frequent—just 15% of claims—but it’s by far the most expensive, averaging $15,000 per incident.

5 Most Common Auto Insurance Claims in Idaho

Comprehensive claims and personal injury protection make up a much smaller portion, but they still add up, especially if you’re not carrying enough coverage. These numbers show why even in a low-cost state like Idaho, having solid coverage can save you big in the long run.

Idaho Auto Insurance Statistics & Average Premiums

Idaho’s auto insurance stats give a solid snapshot of what drivers face across the state. With nearly 49,000 miles of roadway and over 1.6 million registered vehicles, there’s plenty of traffic, especially considering over 16 billion miles were driven in a single year.

Idaho Auto Accident & Insurance Claim Statistics

The Ford F-150 is the most popular vehicle, and while vehicle thefts hit 1,661 in 2017, the uninsured motorist rate is relatively low at 8.2%. Fatalities related to speeding and DUIs totaled 108, highlighting the risk on the roads. On the pricing side, the average annual premium sits just under $680 for full coverage, with State Farm offering the cheapest option among major providers.

The Ultimate Idaho Car Insurance Guide: Costs & Coverage

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% 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!

Idaho offers more than outdoor adventure—museums, music festivals, and fine dining are all part of the mix. No matter your plans, getting there means being on the road, and that means having the right car insurance. Choosing the right coverage at the right price starts with knowing which companies offer the best value.

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 and how the average auto insurance cost fits into your decision.

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.

Idaho Minimum Coverage Requirement

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, over $50,000 for injuries and $45,000 for property damage, which highlights why understanding auto insurance basics is so important before choosing a policy.

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. Understanding the different types of car insurance can help you choose the right coverage level. 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 a maximum of $120,000 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, aligning closely with average Idaho car insurance costs seen across the state.

Idaho Insurance Cost vs. Income

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 Core Coverage Compared to National Average

The good news for Idaho residents is that rates are significantly lower than the countrywide average. Allstate’s loss ratio is significantly lower than that of the top five insurance companies.

Largest Companies in Idaho Direct Premiums Written

That makes sense when you consider that their rates are significantly higher than those of the other companies. Less of their money goes to pay claims, which is worth noting when learning how to file an auto insurance claim, 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.

Cheapest Insurance in Idaho Cities

Whether in the state capital or other cities, drivers can use this data to find the most economical insurance options, especially when they compare auto insurance companies to ensure suitable coverage at competitive rates.

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How to Find the Best Cheap Auto Insurance in Idaho

Finding cheap auto insurance in Idaho isn’t just about snagging the lowest number—it’s about getting meaningful coverage that fits how and where you drive. Rates are already lower than the national average, but factors like your city, driving history, and coverage choices still play a big role.

While some areas have higher accident or theft rates, there are still plenty of ways to bring down your costs through discounts and smart coverage decisions. The key is comparing your options and focusing on value, not just price, especially when you’re trying to find cheap car insurance rates that still offer solid protection.

Start saving on your auto insurance by entering your ZIP code and comparing quotes.