The Cheapest Car Insurance in Idaho for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Idaho for a variety of ages and driving histories.
Dec 9, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Idaho isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Idaho is $1,050 per year, or about $87 per month, according to NerdWallet’s analysis. Minimum coverage in Idaho is $338 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 $139 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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Cheapest car insurance company overall in Idaho

$37/month

3.0

NerdWallet rating 

Cheapest for minimum coverage

$12/month

3.0

NerdWallet rating 

Cheapest for young drivers

$77/month

3.0

NerdWallet rating 

Cheapest for drivers with poor credit

$37/month

4.5

NerdWallet rating 

How we chose the cheapest companies in Idaho

NerdWallet’s editorial team analyzed car insurance rates from 15 auto insurers in Idaho and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 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.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find 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: $930 per year, or about $78 per month.

  2. Auto-Owners: $1,494 per year, or about $124 per month.

  3. Geico: $1,536 per year, or about $128 per month.

  4. State Farm: $1,738 per year, or about $145 per month.

  5. American Family: $1,792 per year, or about $149 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: $316 per year, or about $26 per month.

  2. Auto-Owners: $448 per year, or about $37 per month.

  3. Geico: $449 per year, or about $37 per month.

  4. State Farm: $539 per year, or about $45 per month.

  5. Idaho Farm Bureau: $590 per year, or about $49 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. Geico: $531 per year, or about $44 per month.

  2. Allstate: $777 per year, or about $65 per month.

  3. Dairyland: $983 per year, or about $82 per month.

  4. Grange Insurance Association: $1,034 per year, or about $86 per month.

  5. American National: $1,064 per year, or about $89 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: $479 per year, or about $40 per month.

  2. Geico: $567 per year, or about $47 per month.

  3. State Farm: $635 per year, or about $53 per month.

  4. Auto-Owners: $717 per year, or about $60 per month.

  5. American Family: $757 per year, or about $63 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: $517 per year, or about $43 per month.

  2. State Farm: $747 per year, or about $62 per month.

  3. American Family: $757 per year, or about $63 per month.

  4. Allstate: $770 per year, or about $64 per month.

  5. Geico: $777 per year, or about $65 per month.

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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 with clean driving records may get the lowest rates from these companies:

  1. American National: $473 per year, or about $39 per month.

  2. Auto-Owners: $700 per year, or about $58 per month.

  3. Geico: $788 per year, or about $66 per month.

  4. State Farm: $834 per year, or about $70 per month.

  5. Oregon Mutual: $896 per year, or about $75 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: $142 per year, or about $12 per month.

  2. Auto-Owners: $175 per year, or about $15 per month.

  3. Geico: $211 per year, or about $18 per month.

  4. State Farm: $240 per year, or about $20 per month.

  5. Grange Insurance Association: $260 per year, or about $22 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. Geico: $935 per year, or about $78 per month.

  2. Grange Insurance Association: $1,232 per year, or about $103 per month.

  3. Oregon Mutual: $1,244 per year, or about $104 per month.

  4. Nationwide: $1,417 per year, or about $118 per month.

  5. American National: $1,588 per year, or about $132 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: $701 per year, or about $58 per month.

  2. State Farm: $970 per year, or about $81 per month.

  3. Auto-Owners: $1,022 per year, or about $85 per month.

  4. Oregon Mutual: $1,130 per year, or about $94 per month.

  5. Geico: $1,218 per year, or about $102 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. State Farm: $1,112 per year, or about $93 per month.

  3. American Family: $1,246 per year, or about $104 per month.

  4. Dairyland: $1,466 per year, or about $122 per month.

  5. Oregon Mutual: $1,475 per year, or about $123 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: $414 per year, or about $34 per month.

  2. Auto-Owners: $701 per year, or about $58 per month.

  3. Geico: $786 per year, or about $66 per month.

  4. Oregon Mutual: $808 per year, or about $67 per month.

  5. State Farm: $809 per year, or about $67 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: $135 per year, or about $11 per month.

  2. Auto-Owners: $172 per year, or about $14 per month.

  3. Geico: $210 per year, or about $18 per month.

  4. State Farm: $242 per year, or about $20 per month.

  5. Grange Insurance Association: $250 per year, or about $21 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. Geico: $934 per year, or about $78 per month.

  2. Oregon Mutual: $1,140 per year, or about $95 per month.

  3. Grange Insurance Association: $1,190 per year, or about $99 per month.

  4. Nationwide: $1,347 per year, or about $112 per month.

  5. American National: $1,391 per year, or about $116 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: $613 per year, or about $51 per month.

  2. State Farm: $945 per year, or about $79 per month.

  3. Auto-Owners: $1,025 per year, or about $85 per month.

  4. Oregon Mutual: $1,066 per year, or about $89 per month.

  5. American Family: $1,147 per year, or about $96 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: $655 per year, or about $55 per month.

  2. State Farm: $1,083 per year, or about $90 per month.

  3. American Family: $1,147 per year, or about $96 per month.

  4. Dairyland: $1,359 per year, or about $113 per month.

  5. Oregon Mutual: $1,407 per year, or about $117 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 the best cheap car 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: $397 per year, or about $33 per month.

  2. Auto-Owners: $657 per year, or about $55 per month.

  3. Geico: $722 per year, or about $60 per month.

  4. Oregon Mutual: $755 per year, or about $63 per month.

  5. State Farm: $793 per year, or about $66 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: $127 per year, or about $11 per month.

  2. Auto-Owners: $160 per year, or about $13 per month.

  3. Geico: $195 per year, or about $16 per month.

  4. State Farm: $238 per year, or about $20 per month.

  5. Grange Insurance Association: $241 per year, or about $20 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. Geico: $856 per year, or about $71 per month.

  2. Oregon Mutual: $1,063 per year, or about $89 per month.

  3. Grange Insurance Association: $1,148 per year, or about $96 per month.

  4. Nationwide: $1,244 per year, or about $104 per month.

  5. American National: $1,334 per year, or about $111 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. State Farm: $926 per year, or about $77 per month.

  3. Auto-Owners: $956 per year, or about $80 per month.

  4. Oregon Mutual: $1,028 per year, or about $86 per month.

  5. American Family: $1,064 per year, or about $89 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: $628 per year, or about $52 per month.

  2. State Farm: $1,062 per year, or about $88 per month.

  3. American Family: $1,064 per year, or about $89 per month.

  4. Dairyland: $1,188 per year, or about $99 per month.

  5. Oregon Mutual: $1,357 per year, or about $113 per month.

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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 auto 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: $365 per year, or about $30 per month.

  2. Auto-Owners: $642 per year, or about $54 per month.

  3. Geico: $725 per year, or about $60 per month.

  4. State Farm: $752 per year, or about $63 per month.

  5. Oregon Mutual: $764 per year, or about $64 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: $122 per year, or about $10 per month.

  2. Auto-Owners: $163 per year, or about $14 per month.

  3. Geico: $194 per year, or about $16 per month.

  4. State Farm: $228 per year, or about $19 per month.

  5. Grange Insurance Association: $239 per year, or about $20 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. Geico: $859 per year, or about $72 per month.

  2. Oregon Mutual: $1,074 per year, or about $90 per month.

  3. Grange Insurance Association: $1,137 per year, or about $95 per month.

  4. Nationwide: $1,167 per year, or about $97 per month.

  5. American National: $1,227 per year, or about $102 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: $540 per year, or about $45 per month.

  2. State Farm: $879 per year, or about $73 per month.

  3. Auto-Owners: $936 per year, or about $78 per month.

  4. American Family: $1,050 per year, or about $88 per month.

  5. Oregon Mutual: $1,054 per year, or about $88 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: $578 per year, or about $48 per month.

  2. State Farm: $1,007 per year, or about $84 per month.

  3. American Family: $1,050 per year, or about $88 per month.

  4. Dairyland: $1,164 per year, or about $97 per month.

  5. Auto-Owners: $1,396 per year, or about $116 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 five auto insurance options for 40 of the 48 driver profiles we examined.

Minimum required auto insurance in Idaho

Idaho requires all drivers to have liability insurance, which kicks in to help cover others’ injuries or property damage if you cause an accident. You must have at least the following minimums:

  • $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 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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.

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