Cheap Car Insurance in Idaho for June 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 $678 per year on average, or $57 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 $1,162 per year, or about $97 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Idaho. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in Idaho is $319 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.

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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 2021 Toyota Camry LE. 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: $1,376 per year, or about $115 per month.
  2. Mutual of Enumclaw: $1,908 per year, or about $159 per month.
  3. Geico: $1,934 per year, or about $161 per month.
  4. Idaho Farm Bureau: $2,157 per year, or about $180 per month.
  5. Travelers: $2,364 per year, or about $197 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: $304 per year, or about $25 per month.
  2. Geico: $441 per year, or about $37 per month.
  3. Allstate: $514 per year, or about $43 per month.
  4. Travelers: $556 per year, or about $46 per month.
  5. Idaho Farm Bureau: $613 per year, or about $51 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: $512 per year, or about $43 per month.
  2. Travelers: $586 per year, or about $49 per month.
  3. Allstate: $592 per year, or about $49 per month.
  4. American National: $754 per year, or about $63 per month.
  5. Idaho Farm Bureau: $930 per year, or about $78 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: $370 per year, or about $31 per month.
  2. Geico: $487 per year, or about $41 per month.
  3. Idaho Farm Bureau: $613 per year, or about $51 per month.
  4. Allstate: $658 per year, or about $55 per month.
  5. Travelers: $767 per year, or about $64 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: $462 per year, or about $39 per month.
  2. Geico: $554 per year, or about $46 per month.
  3. Travelers: $697 per year, or about $58 per month.
  4. Idaho Farm Bureau: $805 per year, or about $67 per month.
  5. Allstate: $809 per year, or about $67 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: $500 per year, or about $42 per month.
  2. Geico: $851 per year, or about $71 per month.
  3. Allstate: $954 per year, or about $79 per month.
  4. Travelers: $1,069 per year, or about $89 per month.
  5. Dairyland: $1,118 per year, or about $93 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: $716 per year, or about $60 per month.
  2. Travelers: $860 per year, or about $72 per month.
  3. Geico: $1,020 per year, or about $85 per month.
  4. American Family: $1,090 per year, or about $91 per month.
  5. Auto-Owners: $1,164 per year, or about $97 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: $134 per year, or about $11 per month.
  2. Geico: $211 per year, or about $18 per month.
  3. Grange Insurance Association: $247 per year, or about $21 per month.
  4. Allstate: $257 per year, or about $21 per month.
  5. Travelers: $276 per year, or about $23 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: $1,165 per year, or about $97 per month.
  2. Travelers: $1,426 per year, or about $119 per month.
  3. Grange Insurance Association: $1,561 per year, or about $130 per month.
  4. Mutual of Enumclaw: $1,670 per year, or about $139 per month.
  5. American National: $1,774 per year, or about $148 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: $164 per year, or about $14 per month.
  2. Geico: $253 per year, or about $21 per month.
  3. Grange Insurance Association: $298 per year, or about $25 per month.
  4. Allstate: $317 per year, or about $26 per month.
  5. Idaho Farm Bureau: $338 per year, or about $28 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: $1,066 per year, or about $89 per month.
  2. Travelers: $1,226 per year, or about $102 per month.
  3. American Family: $1,508 per year, or about $126 per month.
  4. Geico: $1,523 per year, or about $127 per month.
  5. State Farm: $1,584 per year, or about $132 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: $1,136 per year, or about $95 per month.
  2. American Family: $1,749 per year, or about $146 per month.
  3. State Farm: $1,883 per year, or about $157 per month.
  4. Travelers: $1,984 per year, or about $165 per month.
  5. Mutual of Enumclaw: $2,013 per year, or about $168 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: $617 per year, or about $51 per month.
  2. Travelers: $808 per year, or about $67 per month.
  3. Geico: $998 per year, or about $83 per month.
  4. American Family: $1,044 per year, or about $87 per month.
  5. Mutual of Enumclaw: $1,078 per year, or about $90 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: $130 per year, or about $11 per month.
  2. Geico: $208 per year, or about $17 per month.
  3. Grange Insurance Association: $237 per year, or about $20 per month.
  4. Allstate: $257 per year, or about $21 per month.
  5. Travelers: $276 per year, or about $23 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: $1,142 per year, or about $95 per month.
  2. Travelers: $1,311 per year, or about $109 per month.
  3. Grange Insurance Association: $1,504 per year, or about $125 per month.
  4. American National: $1,523 per year, or about $127 per month.
  5. Mutual of Enumclaw: $1,539 per year, or about $128 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: $158 per year, or about $13 per month.
  2. Geico: $250 per year, or about $21 per month.
  3. Grange Insurance Association: $290 per year, or about $24 per month.
  4. Idaho Farm Bureau: $312 per year, or about $26 per month.
  5. Allstate: $317 per year, or about $26 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: $914 per year, or about $76 per month.
  2. Travelers: $1,166 per year, or about $97 per month.
  3. American Family: $1,459 per year, or about $122 per month.
  4. Geico: $1,495 per year, or about $125 per month.
  5. State Farm: $1,524 per year, or about $127 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: $976 per year, or about $81 per month.
  2. American Family: $1,685 per year, or about $140 per month.
  3. State Farm: $1,811 per year, or about $151 per month.
  4. Mutual of Enumclaw: $1,842 per year, or about $154 per month.
  5. Travelers: $1,890 per year, or about $158 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: $594 per year, or about $50 per month.
  2. Travelers: $752 per year, or about $63 per month.
  3. Geico: $860 per year, or about $72 per month.
  4. Mutual of Enumclaw: $962 per year, or about $80 per month.
  5. American Family: $971 per year, or about $81 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: $126 per year, or about $11 per month.
  2. Geico: $186 per year, or about $15 per month.
  3. Grange Insurance Association: $228 per year, or about $19 per month.
  4. Allstate: $256 per year, or about $21 per month.
  5. Travelers: $265 per year, or about $22 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: $976 per year, or about $81 per month.
  2. Travelers: $1,229 per year, or about $102 per month.
  3. Mutual of Enumclaw: $1,368 per year, or about $114 per month.
  4. Grange Insurance Association: $1,450 per year, or about $121 per month.
  5. American National: $1,472 per year, or about $123 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: $152 per year, or about $13 per month.
  2. Geico: $223 per year, or about $19 per month.
  3. Grange Insurance Association: $278 per year, or about $23 per month.
  4. Idaho Farm Bureau: $282 per year, or about $24 per month.
  5. Allstate: $330 per year, or about $28 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: $882 per year, or about $74 per month.
  2. Travelers: $1,151 per year, or about $96 per month.
  3. Geico: $1,333 per year, or about $111 per month.
  4. American Family: $1,359 per year, or about $113 per month.
  5. Idaho Farm Bureau: $1,395 per year, or about $116 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: $942 per year, or about $79 per month.
  2. American Family: $1,564 per year, or about $130 per month.
  3. Mutual of Enumclaw: $1,625 per year, or about $135 per month.
  4. State Farm: $1,762 per year, or about $147 per month.
  5. Travelers: $1,870 per year, or about $156 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: $542 per year, or about $45 per month.
  2. Travelers: $775 per year, or about $65 per month.
  3. Geico: $857 per year, or about $71 per month.
  4. Mutual of Enumclaw: $944 per year, or about $79 per month.
  5. American Family: $963 per year, or about $80 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: $115 per year, or about $10 per month.
  2. Geico: $183 per year, or about $15 per month.
  3. Grange Insurance Association: $227 per year, or about $19 per month.
  4. Allstate: $255 per year, or about $21 per month.
  5. Idaho Farm Bureau: $265 per year, or about $22 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: $986 per year, or about $82 per month.
  2. Travelers: $1,243 per year, or about $104 per month.
  3. American National: $1,338 per year, or about $112 per month.
  4. Mutual of Enumclaw: $1,345 per year, or about $112 per month.
  5. Grange Insurance Association: $1,443 per year, or about $120 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: $140 per year, or about $12 per month.
  2. Geico: $220 per year, or about $18 per month.
  3. Idaho Farm Bureau: $265 per year, or about $22 per month.
  4. Grange Insurance Association: $276 per year, or about $23 per month.
  5. State Farm: $322 per year, or about $27 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: $800 per year, or about $67 per month.
  2. Travelers: $1,221 per year, or about $102 per month.
  3. Idaho Farm Bureau: $1,289 per year, or about $107 per month.
  4. Geico: $1,327 per year, or about $111 per month.
  5. American Family: $1,350 per year, or about $112 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: $854 per year, or about $71 per month.
  2. American Family: $1,554 per year, or about $130 per month.
  3. Mutual of Enumclaw: $1,607 per year, or about $134 per month.
  4. State Farm: $1,641 per year, or about $137 per month.
  5. Travelers: $1,984 per year, or about $165 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: $612 per year, or about $51 per month.
  2. Travelers: $903 per year, or about $75 per month.
  3. Geico: $950 per year, or about $79 per month.
  4. Idaho Farm Bureau: $955 per year, or about $80 per month.
  5. Mutual of Enumclaw: $1,015 per year, or about $85 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: $162 per year, or about $14 per month.
  2. Geico: $212 per year, or about $18 per month.
  3. Grange Insurance Association: $254 per year, or about $21 per month.
  4. Idaho Farm Bureau: $257 per year, or about $21 per month.
  5. Allstate: $300 per year, or about $25 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. Geico: $1,117 per year, or about $93 per month.
  2. Travelers: $1,420 per year, or about $118 per month.
  3. Idaho Farm Bureau: $1,448 per year, or about $121 per month.
  4. Mutual of Enumclaw: $1,450 per year, or about $121 per month.
  5. American National: $1,514 per year, or about $126 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: $196 per year, or about $16 per month.
  2. Geico: $254 per year, or about $21 per month.
  3. Idaho Farm Bureau: $257 per year, or about $21 per month.
  4. Grange Insurance Association: $309 per year, or about $26 per month.
  5. State Farm: $344 per year, or about $29 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: $910 per year, or about $76 per month.
  2. Idaho Farm Bureau: $1,243 per year, or about $104 per month.
  3. State Farm: $1,457 per year, or about $121 per month.
  4. Geico: $1,465 per year, or about $122 per month.
  5. Travelers: $1,477 per year, or about $123 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: $972 per year, or about $81 per month.
  2. State Farm: $1,735 per year, or about $145 per month.
  3. Mutual of Enumclaw: $1,746 per year, or about $146 per month.
  4. American Family: $1,777 per year, or about $148 per month.
  5. Idaho Farm Bureau: $2,080 per year, or about $173 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 65 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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