Cheap Car Insurance in Idaho for 2023

American National offers the cheapest car insurance in Idaho, with an average monthly rate of $37 for full coverage.
Ben Moore
By Ben Moore  
Updated
Edited by Lacie Glover  

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in Idaho isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Idaho is American National at $449 per year on average, or $37 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Idaho. Meanwhile, the average cost of full coverage car insurance in Idaho is $1,349 per year, or about $112 per month.

Minimum coverage in Idaho is $408 per year on average, but we found you can likely get a cheaper policy. For example, American National offers the cheapest rates in Idaho at $108 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in Idaho

NerdWallet’s editorial team analyzed car insurance rates from 16 auto insurers in Idaho and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Idaho. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Idaho where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Idaho for 20-year-olds

Drivers in Idaho with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. American National: $921 per year, or about $77 per month.
  2. Dairyland: $1,086 per year, or about $90 per month.
  3. Auto-Owners: $1,578 per year, or about $132 per month.
  4. Idaho Farm Bureau: $2,132 per year, or about $178 per month.
  5. American Family: $2,136 per year, or about $178 per month.

Cheapest minimum coverage car insurance in Idaho for 20-year-olds

Drivers in Idaho who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. American National: $244 per year, or about $20 per month.
  2. Dairyland: $338 per year, or about $28 per month.
  3. Auto-Owners: $452 per year, or about $38 per month.
  4. Idaho Farm Bureau: $586 per year, or about $49 per month.
  5. Travelers: $670 per year, or about $56 per month.

Cheapest auto insurance in Idaho for 20-year-olds with poor credit

Drivers with poor credit in Idaho should look at the following insurers with the lowest average rates for minimum coverage:

  1. American National: $824 per year, or about $69 per month.
  2. Idaho Farm Bureau: $888 per year, or about $74 per month.
  3. Travelers: $958 per year, or about $80 per month.
  4. Geico: $1,219 per year, or about $102 per month.
  5. Allstate: $1,226 per year, or about $102 per month.

Cheapest auto insurance in Idaho for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Idaho, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $297 per year, or about $25 per month.
  2. Dairyland: $423 per year, or about $35 per month.
  3. Idaho Farm Bureau: $586 per year, or about $49 per month.
  4. Auto-Owners: $730 per year, or about $61 per month.
  5. Travelers: $823 per year, or about $69 per month.

Cheapest auto insurance in Idaho for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Idaho, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $371 per year, or about $31 per month.
  2. Dairyland: $436 per year, or about $36 per month.
  3. Auto-Owners: $720 per year, or about $60 per month.
  4. Idaho Farm Bureau: $768 per year, or about $64 per month.
  5. Travelers: $867 per year, or about $72 per month.

Cheapest auto insurance in Idaho for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. American National: $400 per year, or about $33 per month.
  2. Dairyland: $408 per year, or about $34 per month.
  3. Travelers: $986 per year, or about $82 per month.
  4. American Family: $1,073 per year, or about $89 per month.
  5. Auto-Owners: $1,172 per year, or about $98 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Idaho for 30-year-olds

Drivers in Idaho who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. American National: $475 per year, or about $40 per month.
  2. Auto-Owners: $742 per year, or about $62 per month.
  3. Dairyland: $1,075 per year, or about $90 per month.
  4. Oregon Mutual: $1,088 per year, or about $91 per month.
  5. State Farm: $1,130 per year, or about $94 per month.

Cheapest minimum coverage car insurance in Idaho for 30-year-olds

Drivers in Idaho who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. American National: $110 per year, or about $9 per month.
  2. Auto-Owners: $176 per year, or about $15 per month.
  3. Idaho Farm Bureau: $318 per year, or about $26 per month.
  4. State Farm: $321 per year, or about $27 per month.
  5. Dairyland: $345 per year, or about $29 per month.

Cheapest auto insurance in Idaho for 30-year-olds with poor credit

Drivers with poor credit in Idaho should consider the following companies with the lowest average rates for full coverage:

  1. Oregon Mutual: $1,568 per year, or about $131 per month.
  2. American National: $1,603 per year, or about $134 per month.
  3. Auto-Owners: $1,729 per year, or about $144 per month.
  4. Idaho Farm Bureau: $1,839 per year, or about $153 per month.
  5. Grange Insurance Association: $1,870 per year, or about $156 per month.

Cheapest auto insurance in Idaho for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Idaho, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $134 per year, or about $11 per month.
  2. Auto-Owners: $284 per year, or about $24 per month.
  3. Idaho Farm Bureau: $318 per year, or about $26 per month.
  4. State Farm: $332 per year, or about $28 per month.
  5. Oregon Mutual: $401 per year, or about $33 per month.

Cheapest auto insurance in Idaho for 30-year-old drivers with one at-fault crash

For drivers in Idaho with a recent accident, here are the lowest average rate options for full coverage:

  1. American National: $704 per year, or about $59 per month.
  2. Auto-Owners: $1,084 per year, or about $90 per month.
  3. State Farm: $1,310 per year, or about $109 per month.
  4. American Family: $1,351 per year, or about $113 per month.
  5. Oregon Mutual: $1,386 per year, or about $115 per month.

Cheapest auto insurance in Idaho for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. American National: $751 per year, or about $63 per month.
  2. American Family: $1,351 per year, or about $113 per month.
  3. Dairyland: $1,360 per year, or about $113 per month.
  4. State Farm: $1,576 per year, or about $131 per month.
  5. Auto-Owners: $1,624 per year, or about $135 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Idaho for 40-year-olds

Drivers in Idaho with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. American National: $413 per year, or about $34 per month.
  2. Auto-Owners: $739 per year, or about $62 per month.
  3. Dairyland: $873 per year, or about $73 per month.
  4. Oregon Mutual: $978 per year, or about $81 per month.
  5. State Farm: $1,093 per year, or about $91 per month.

Cheapest minimum coverage car insurance in Idaho for 40-year-olds

Drivers in Idaho who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. American National: $105 per year, or about $9 per month.
  2. Auto-Owners: $173 per year, or about $14 per month.
  3. Dairyland: $232 per year, or about $19 per month.
  4. Idaho Farm Bureau: $293 per year, or about $24 per month.
  5. Oregon Mutual: $318 per year, or about $27 per month.

Cheapest auto insurance in Idaho for 40-year-olds with poor credit

Drivers with poor credit in Idaho can check out the following insurers with the lowest average rates for full coverage:

  1. American National: $1,395 per year, or about $116 per month.
  2. Oregon Mutual: $1,461 per year, or about $122 per month.
  3. Idaho Farm Bureau: $1,725 per year, or about $144 per month.
  4. Auto-Owners: $1,726 per year, or about $144 per month.
  5. Travelers: $1,779 per year, or about $148 per month.

Cheapest auto insurance in Idaho for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Idaho, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $127 per year, or about $11 per month.
  2. Auto-Owners: $279 per year, or about $23 per month.
  3. Idaho Farm Bureau: $293 per year, or about $24 per month.
  4. State Farm: $331 per year, or about $28 per month.
  5. Oregon Mutual: $362 per year, or about $30 per month.

Cheapest auto insurance in Idaho for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Idaho, here are the companies with the lowest average rates for full coverage:

  1. American National: $611 per year, or about $51 per month.
  2. Auto-Owners: $1,082 per year, or about $90 per month.
  3. American Family: $1,228 per year, or about $102 per month.
  4. State Farm: $1,267 per year, or about $106 per month.
  5. Oregon Mutual: $1,305 per year, or about $109 per month.

Cheapest auto insurance in Idaho for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. American National: $651 per year, or about $54 per month.
  2. Dairyland: $1,091 per year, or about $91 per month.
  3. American Family: $1,228 per year, or about $102 per month.
  4. State Farm: $1,524 per year, or about $127 per month.
  5. Auto-Owners: $1,625 per year, or about $135 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Idaho for 50-year-olds

Drivers in Idaho with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. American National: $398 per year, or about $33 per month.
  2. Auto-Owners: $694 per year, or about $58 per month.
  3. Oregon Mutual: $913 per year, or about $76 per month.
  4. Dairyland: $920 per year, or about $77 per month.
  5. Idaho Farm Bureau: $1,031 per year, or about $86 per month.

Cheapest minimum coverage car insurance in Idaho for 50-year-olds

Drivers in Idaho who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. American National: $98 per year, or about $8 per month.
  2. Auto-Owners: $161 per year, or about $13 per month.
  3. Dairyland: $248 per year, or about $21 per month.
  4. Idaho Farm Bureau: $265 per year, or about $22 per month.
  5. Oregon Mutual: $308 per year, or about $26 per month.

Cheapest auto insurance in Idaho for 50-year-olds with poor credit

Drivers with poor credit in Idaho can check with the following companies, which showed the lowest average rates for full coverage:

  1. American National: $1,344 per year, or about $112 per month.
  2. Oregon Mutual: $1,360 per year, or about $113 per month.
  3. Idaho Farm Bureau: $1,564 per year, or about $130 per month.
  4. Auto-Owners: $1,624 per year, or about $135 per month.
  5. Grange Insurance Association: $1,736 per year, or about $145 per month.

Cheapest auto insurance in Idaho for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Idaho, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $119 per year, or about $10 per month.
  2. Auto-Owners: $259 per year, or about $22 per month.
  3. Idaho Farm Bureau: $265 per year, or about $22 per month.
  4. State Farm: $329 per year, or about $27 per month.
  5. Oregon Mutual: $359 per year, or about $30 per month.

Cheapest auto insurance in Idaho for 50-year-old drivers with one at-fault crash

For drivers living in Idaho with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. American National: $587 per year, or about $49 per month.
  2. Auto-Owners: $1,012 per year, or about $84 per month.
  3. American Family: $1,127 per year, or about $94 per month.
  4. State Farm: $1,233 per year, or about $103 per month.
  5. Oregon Mutual: $1,259 per year, or about $105 per month.

Cheapest auto insurance in Idaho for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. American National: $625 per year, or about $52 per month.
  2. American Family: $1,127 per year, or about $94 per month.
  3. Dairyland: $1,154 per year, or about $96 per month.
  4. State Farm: $1,484 per year, or about $124 per month.
  5. Auto-Owners: $1,511 per year, or about $126 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Idaho for 60-year-olds

Drivers in Idaho with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. American National: $362 per year, or about $30 per month.
  2. Auto-Owners: $678 per year, or about $56 per month.
  3. Oregon Mutual: $924 per year, or about $77 per month.
  4. Dairyland: $927 per year, or about $77 per month.
  5. Idaho Farm Bureau: $952 per year, or about $79 per month.

Cheapest minimum coverage car insurance in Idaho for 60-year-olds

Drivers in Idaho who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. American National: $95 per year, or about $8 per month.
  2. Auto-Owners: $160 per year, or about $13 per month.
  3. Idaho Farm Bureau: $249 per year, or about $21 per month.
  4. Dairyland: $251 per year, or about $21 per month.
  5. State Farm: $296 per year, or about $25 per month.

Cheapest auto insurance in Idaho for 60-year-olds with poor credit

Drivers with poor credit in Idaho can look at the following companies with the lowest average rates for full coverage:

  1. American National: $1,222 per year, or about $102 per month.
  2. Oregon Mutual: $1,377 per year, or about $115 per month.
  3. Idaho Farm Bureau: $1,444 per year, or about $120 per month.
  4. Auto-Owners: $1,595 per year, or about $133 per month.
  5. State Farm: $1,644 per year, or about $137 per month.

Cheapest auto insurance in Idaho for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Idaho, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $115 per year, or about $10 per month.
  2. Idaho Farm Bureau: $249 per year, or about $21 per month.
  3. Auto-Owners: $258 per year, or about $22 per month.
  4. State Farm: $308 per year, or about $26 per month.
  5. Oregon Mutual: $388 per year, or about $32 per month.

Cheapest auto insurance in Idaho for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Idaho, here are the companies with the lowest average rates for full coverage:

  1. American National: $534 per year, or about $44 per month.
  2. Auto-Owners: $988 per year, or about $82 per month.
  3. American Family: $1,114 per year, or about $93 per month.
  4. State Farm: $1,149 per year, or about $96 per month.
  5. Idaho Farm Bureau: $1,240 per year, or about $103 per month.

Cheapest auto insurance in Idaho for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. American National: $569 per year, or about $47 per month.
  2. American Family: $1,114 per year, or about $93 per month.
  3. Dairyland: $1,163 per year, or about $97 per month.
  4. State Farm: $1,382 per year, or about $115 per month.
  5. Auto-Owners: $1,477 per year, or about $123 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Idaho for 70-year-olds

Drivers in Idaho with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. American National: $418 per year, or about $35 per month.
  2. Auto-Owners: $791 per year, or about $66 per month.
  3. Idaho Farm Bureau: $918 per year, or about $77 per month.
  4. Dairyland: $997 per year, or about $83 per month.
  5. State Farm: $1,044 per year, or about $87 per month.

Cheapest minimum coverage car insurance in Idaho for 70-year-olds

Drivers in Idaho who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. American National: $130 per year, or about $11 per month.
  2. Auto-Owners: $209 per year, or about $17 per month.
  3. Idaho Farm Bureau: $242 per year, or about $20 per month.
  4. Dairyland: $272 per year, or about $23 per month.
  5. State Farm: $318 per year, or about $26 per month.

Cheapest auto insurance in Idaho for 70-year-olds with poor credit

Drivers with poor credit in Idaho can look at the following companies with the lowest average rates for full coverage:

  1. Idaho Farm Bureau: $1,392 per year, or about $116 per month.
  2. American National: $1,412 per year, or about $118 per month.
  3. Oregon Mutual: $1,710 per year, or about $142 per month.
  4. State Farm: $1,735 per year, or about $145 per month.
  5. Auto-Owners: $1,889 per year, or about $157 per month.

Cheapest auto insurance in Idaho for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Idaho, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $158 per year, or about $13 per month.
  2. Idaho Farm Bureau: $242 per year, or about $20 per month.
  3. State Farm: $329 per year, or about $27 per month.
  4. Auto-Owners: $337 per year, or about $28 per month.
  5. Dairyland: $438 per year, or about $36 per month.

Cheapest auto insurance in Idaho for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Idaho, here are the companies with the lowest average rates for full coverage:

  1. American National: $619 per year, or about $52 per month.
  2. Auto-Owners: $1,171 per year, or about $98 per month.
  3. Idaho Farm Bureau: $1,196 per year, or about $100 per month.
  4. State Farm: $1,215 per year, or about $101 per month.
  5. American Family: $1,227 per year, or about $102 per month.

Cheapest auto insurance in Idaho for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. American National: $663 per year, or about $55 per month.
  2. American Family: $1,227 per year, or about $102 per month.
  3. Dairyland: $1,251 per year, or about $104 per month.
  4. State Farm: $1,468 per year, or about $122 per month.
  5. Travelers: $1,742 per year, or about $145 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 58 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum required auto insurance in Idaho

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $15,000 property damage liability per accident.

Insurance companies are also obligated to include uninsured motorist coverage in your policy. However, you can decline this coverage in writing.

For more help understanding how Idaho’s required and optional coverages work, see NerdWallet’s guide to state minimum car insurance.

Alternative car insurance in Idaho

If you’re having trouble obtaining car insurance from traditional insurers because of a bad driving record, poor credit or other factors, the Idaho Automobile Insurance Plan can help you get a high-risk policy from an Idaho insurer.

For more help hunting down the cheapest car insurance in Idaho, see NerdWallet’s car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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