Cheap Car Insurance in Idaho for April 2024

American National offers the cheapest car insurance in Idaho, with an average annual rate of $652 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 $652 per year on average, or $54 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 $1,361 per year, or about $113 per month.

Minimum coverage in Idaho is $329 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 $134 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 15 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. Idaho Farm Bureau: $2,059 per year, or about $172 per month.
  2. Allstate: $5,154 per year, or about $430 per month.
  3. American Family: $3,976 per year, or about $331 per month.
  4. American National: $1,308 per year, or about $109 per month.
  5. Auto-Owners: $2,067 per year, or about $172 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. Idaho Farm Bureau: $579 per year, or about $48 per month.
  2. Allstate: $583 per year, or about $49 per month.
  3. American Family: $1,531 per year, or about $128 per month.
  4. American National: $308 per year, or about $26 per month.
  5. Auto-Owners: $585 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. Idaho Farm Bureau: $878 per year, or about $73 per month.
  2. Allstate: $679 per year, or about $57 per month.
  3. American Family: $2,417 per year, or about $201 per month.
  4. American National: $762 per year, or about $64 per month.
  5. Auto-Owners: $1,629 per year, or about $136 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. Idaho Farm Bureau: $579 per year, or about $48 per month.
  2. Allstate: $751 per year, or about $63 per month.
  3. American Family: $2,008 per year, or about $167 per month.
  4. American National: $372 per year, or about $31 per month.
  5. Auto-Owners: $956 per year, or about $80 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. Idaho Farm Bureau: $759 per year, or about $63 per month.
  2. Allstate: $936 per year, or about $78 per month.
  3. American Family: $2,191 per year, or about $183 per month.
  4. American National: $466 per year, or about $39 per month.
  5. Auto-Owners: $943 per year, or about $79 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. Idaho Farm Bureau: $1,374 per year, or about $115 per month.
  2. Allstate: $1,087 per year, or about $91 per month.
  3. American Family: $2,008 per year, or about $167 per month.
  4. American National: $504 per year, or about $42 per month.
  5. Auto-Owners: $1,537 per year, or about $128 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. Idaho Farm Bureau: $1,222 per year, or about $102 per month.
  2. Allstate: $2,086 per year, or about $174 per month.
  3. American Family: $1,678 per year, or about $140 per month.
  4. American National: $683 per year, or about $57 per month.
  5. Auto-Owners: $995 per year, or about $83 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. Idaho Farm Bureau: $326 per year, or about $27 per month.
  2. Allstate: $290 per year, or about $24 per month.
  3. American Family: $601 per year, or about $50 per month.
  4. American National: $136 per year, or about $11 per month.
  5. Auto-Owners: $243 per year, or about $20 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. Idaho Farm Bureau: $1,853 per year, or about $154 per month.
  2. Allstate: $3,077 per year, or about $256 per month.
  3. American Family: $2,821 per year, or about $235 per month.
  4. American National: $1,688 per year, or about $141 per month.
  5. Auto-Owners: $2,316 per year, or about $193 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. Idaho Farm Bureau: $326 per year, or about $27 per month.
  2. Allstate: $356 per year, or about $30 per month.
  3. American Family: $907 per year, or about $76 per month.
  4. American National: $164 per year, or about $14 per month.
  5. Auto-Owners: $397 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. Idaho Farm Bureau: $1,594 per year, or about $133 per month.
  2. Allstate: $3,448 per year, or about $287 per month.
  3. American Family: $2,820 per year, or about $235 per month.
  4. American National: $1,012 per year, or about $84 per month.
  5. Auto-Owners: $1,452 per year, or about $121 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. Idaho Farm Bureau: $2,665 per year, or about $222 per month.
  2. Allstate: $3,135 per year, or about $261 per month.
  3. American Family: $2,570 per year, or about $214 per month.
  4. American National: $1,080 per year, or about $90 per month.
  5. Auto-Owners: $2,175 per year, or about $181 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. Idaho Farm Bureau: $1,146 per year, or about $96 per month.
  2. Allstate: $2,086 per year, or about $174 per month.
  3. American Family: $1,581 per year, or about $132 per month.
  4. American National: $592 per year, or about $49 per month.
  5. Auto-Owners: $978 per year, or about $82 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. Idaho Farm Bureau: $300 per year, or about $25 per month.
  2. Allstate: $290 per year, or about $24 per month.
  3. American Family: $551 per year, or about $46 per month.
  4. American National: $132 per year, or about $11 per month.
  5. Auto-Owners: $239 per year, or about $20 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. Idaho Farm Bureau: $1,739 per year, or about $145 per month.
  2. Allstate: $3,077 per year, or about $256 per month.
  3. American Family: $2,628 per year, or about $219 per month.
  4. American National: $1,462 per year, or about $122 per month.
  5. Auto-Owners: $2,287 per year, or about $191 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. Idaho Farm Bureau: $300 per year, or about $25 per month.
  2. Allstate: $356 per year, or about $30 per month.
  3. American Family: $850 per year, or about $71 per month.
  4. American National: $160 per year, or about $13 per month.
  5. Auto-Owners: $391 per year, or about $33 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. Idaho Farm Bureau: $1,494 per year, or about $125 per month.
  2. Allstate: $3,448 per year, or about $287 per month.
  3. American Family: $2,663 per year, or about $222 per month.
  4. American National: $873 per year, or about $73 per month.
  5. Auto-Owners: $1,429 per year, or about $119 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. Idaho Farm Bureau: $2,494 per year, or about $208 per month.
  2. Allstate: $3,135 per year, or about $261 per month.
  3. American Family: $2,450 per year, or about $204 per month.
  4. American National: $932 per year, or about $78 per month.
  5. Auto-Owners: $2,146 per year, or about $179 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. Idaho Farm Bureau: $1,039 per year, or about $87 per month.
  2. Allstate: $1,916 per year, or about $160 per month.
  3. American Family: $1,455 per year, or about $121 per month.
  4. American National: $568 per year, or about $47 per month.
  5. Auto-Owners: $919 per year, or about $77 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. Idaho Farm Bureau: $272 per year, or about $23 per month.
  2. Allstate: $287 per year, or about $24 per month.
  3. American Family: $507 per year, or about $42 per month.
  4. American National: $126 per year, or about $11 per month.
  5. Auto-Owners: $221 per year, or about $18 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. Idaho Farm Bureau: $1,576 per year, or about $131 per month.
  2. Allstate: $2,757 per year, or about $230 per month.
  3. American Family: $2,431 per year, or about $203 per month.
  4. American National: $1,412 per year, or about $118 per month.
  5. Auto-Owners: $2,149 per year, or about $179 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. Idaho Farm Bureau: $272 per year, or about $23 per month.
  2. Allstate: $371 per year, or about $31 per month.
  3. American Family: $783 per year, or about $65 per month.
  4. American National: $154 per year, or about $13 per month.
  5. Auto-Owners: $362 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. Idaho Farm Bureau: $1,354 per year, or about $113 per month.
  2. Allstate: $3,132 per year, or about $261 per month.
  3. American Family: $2,456 per year, or about $205 per month.
  4. American National: $842 per year, or about $70 per month.
  5. Auto-Owners: $1,336 per year, or about $111 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. Idaho Farm Bureau: $2,258 per year, or about $188 per month.
  2. Allstate: $2,872 per year, or about $239 per month.
  3. American Family: $2,260 per year, or about $188 per month.
  4. American National: $899 per year, or about $75 per month.
  5. Auto-Owners: $1,994 per year, or about $166 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. Idaho Farm Bureau: $959 per year, or about $80 per month.
  2. Allstate: $1,852 per year, or about $154 per month.
  3. American Family: $1,444 per year, or about $120 per month.
  4. American National: $518 per year, or about $43 per month.
  5. Auto-Owners: $897 per year, or about $75 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. Idaho Farm Bureau: $255 per year, or about $21 per month.
  2. Allstate: $287 per year, or about $24 per month.
  3. American Family: $514 per year, or about $43 per month.
  4. American National: $116 per year, or about $10 per month.
  5. Auto-Owners: $221 per year, or about $18 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. Idaho Farm Bureau: $1,455 per year, or about $121 per month.
  2. Allstate: $2,668 per year, or about $222 per month.
  3. American Family: $2,410 per year, or about $201 per month.
  4. American National: $1,286 per year, or about $107 per month.
  5. Auto-Owners: $2,110 per year, or about $176 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. Idaho Farm Bureau: $255 per year, or about $21 per month.
  2. Allstate: $370 per year, or about $31 per month.
  3. American Family: $795 per year, or about $66 per month.
  4. American National: $140 per year, or about $12 per month.
  5. Auto-Owners: $361 per year, or about $30 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. Idaho Farm Bureau: $1,249 per year, or about $104 per month.
  2. Allstate: $3,049 per year, or about $254 per month.
  3. American Family: $2,439 per year, or about $203 per month.
  4. American National: $766 per year, or about $64 per month.
  5. Auto-Owners: $1,303 per year, or about $109 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. Idaho Farm Bureau: $2,085 per year, or about $174 per month.
  2. Allstate: $2,809 per year, or about $234 per month.
  3. American Family: $2,239 per year, or about $187 per month.
  4. American National: $814 per year, or about $68 per month.
  5. Auto-Owners: $1,948 per year, or about $162 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. Idaho Farm Bureau: $925 per year, or about $77 per month.
  2. Allstate: $1,920 per year, or about $160 per month.
  3. American Family: $1,625 per year, or about $135 per month.
  4. American National: $588 per year, or about $49 per month.
  5. Auto-Owners: $1,034 per year, or about $86 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. Idaho Farm Bureau: $248 per year, or about $21 per month.
  2. Allstate: $338 per year, or about $28 per month.
  3. American Family: $619 per year, or about $52 per month.
  4. American National: $164 per year, or about $14 per month.
  5. Auto-Owners: $281 per year, or about $23 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: $1,403 per year, or about $117 per month.
  2. Allstate: $2,797 per year, or about $233 per month.
  3. American Family: $2,719 per year, or about $227 per month.
  4. American National: $1,456 per year, or about $121 per month.
  5. Auto-Owners: $2,468 per year, or about $206 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. Idaho Farm Bureau: $248 per year, or about $21 per month.
  2. Allstate: $433 per year, or about $36 per month.
  3. American Family: $974 per year, or about $81 per month.
  4. American National: $196 per year, or about $16 per month.
  5. Auto-Owners: $460 per year, or about $38 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. Idaho Farm Bureau: $1,205 per year, or about $100 per month.
  2. Allstate: $3,202 per year, or about $267 per month.
  3. American Family: $2,813 per year, or about $234 per month.
  4. American National: $874 per year, or about $73 per month.
  5. Auto-Owners: $1,532 per year, or about $128 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. Idaho Farm Bureau: $2,012 per year, or about $168 per month.
  2. Allstate: $2,955 per year, or about $246 per month.
  3. American Family: $2,557 per year, or about $213 per month.
  4. American National: $932 per year, or about $78 per month.
  5. Auto-Owners: $2,334 per year, or about $195 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 64 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 2021 Toyota Camry LE 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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