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Best Cheap Car Insurance in Idaho for 2020

Jan. 2, 2020
Auto Insurance, Insurance
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If you’re looking for cheap car insurance in Idaho, you probably know that costs vary widely based on a variety of factors including your age, gender and ZIP code.


To help Idaho drivers in their search for the best deal, NerdWallet researched the five cheapest car insurance options among the state’s 12 largest insurers for several driver types.

Cheapest for good drivers in Idaho

For Idahoans with good credit and a clean driving record, the cheapest car insurance companies and average rates for full coverage are:

  1. Geico: $660 per year.
  2. Safeco: $692 per year.
  3. State Farm: $875 per year.
  4. Progressive: $957 per year.
  5. Travelers: $965 per year.
Drivers with no recent accidents or violations can get cheaper car insurance rates for having good credit. For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. In terms of driving and credit history, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including comprehensive and collision, along with state-required coverage. Prices shown include a good driver discount, when available from the insurer.

Cheapest for minimum coverage in Idaho

When a driver wants Idaho’s minimum required auto insurance, the cheapest companies and average rates are:

  1. Geico: $232 per year.
  2. Safeco: $275 per year.
  3. Progressive: $313 per year.
  4. State Farm: $319 per year.
  5. Auto Owners: $342 per year.
We calculated these numbers by averaging rates for 40-year-old good drivers (earning them a discount if the insurer offers one) who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more. If you're looking for the cheapest possible insurance you can get, though, you'll still want to get quotes from at least three auto insurers.

Cheapest for good drivers with poor credit

For an Idaho driver with a good driving history and blemished credit, these insurers have the cheapest average rates for full coverage:

  1. Geico: $852 per year.
  2. Safeco: $1,358 per year.
  3. Travelers: $1,524 per year.
  4. State Farm: $1,691 per year.
  5. Farmers: $1,827 per year.
If you have a spotty credit history, it's important to shop around to find the cheapest auto insurance rates you can. Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent at-fault crash, but prices vary by insurer. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record and associated good driver discount, if the insurer offered one. They had poor credit as reported to their insurer, and standard "full coverage" car insurance.

Cheapest for drivers with one at-fault crash

After causing an accident, an Idaho driver may want to get quotes from these insurers, which showed the cheapest average rates for full coverage:

  1. Safeco: $861 per year.
  2. State Farm: $1,026 per year.
  3. American Family: $1,098 per year.
  4. Geico: $1,150 per year.
  5. Travelers: $1,356 per year.
After a relatively minor crash, some auto insurers will charge a lot more than others for coverage. To get these figures, we averaged rates for 40-year-olds with typical "full coverage" insurance and one recent at-fault crash costing $10,000 in property damage. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest insurance after a DUI in Idaho

For an Idaho driver with a recent DUI, the cheapest insurance companies and average rates for full coverage are:

  1. Safeco: $891 per year.
  2. American Family: $1,098 per year.
  3. State Farm: $1,178 per year.
  4. Progressive: $1,190 per year.
  5. Dairyland: $1,452 per year.
A conviction for driving under the influence, or DUI, generally results in higher auto insurance premiums than before. NerdWallet analyzed rates for 40-year-old drivers and standard “full coverage” car insurance with a recent DUI conviction to see which companies were cheapest. Rates can vary by hundreds between carriers after a DUI, and some penalize for longer than others, so it’s important to shop around for the best price right after you see a price hike and each year after that.

Cheapest insurance after a ticket in Idaho

After a speeding ticket, here are the cheapest insurers and average rates for full coverage auto policies in Idaho:

  1. Safeco: $873 per year.
  2. State Farm: $929 per year.
  3. American Family: $1,098 per year.
  4. Progressive: $1,166 per year.
  5. Idaho Farm Bureau: $1,251 per year.
Getting a speeding ticket will result in higher car insurance rates from most companies for three to five years. To see who has the cheapest rates, we calculated average car insurance rates for 40-year-old drivers with “full coverage” insurance and a recent ticket for speeding 16 mph over the limit. Though these larger companies were the cheapest we found on average, others may be cheaper for you, so be sure to get at least three quotes before deciding on a carrier.

Cheapest for couples and families in Idaho

When cars are doubled up in your driveway and your teenager is about to get a driver’s license, you may benefit from getting new quotes for auto insurance. Discounts are often available for insuring more than one vehicle, but companies differ in how they apply rates and price breaks. As a result, the cheapest insurers for a single driver aren’t necessarily cheapest for a family. Here’s what we found when we analyzed rates for an Idaho couple with and without a teen driver.

Cheapest for a married couple in Idaho

To insure two vehicles with full coverage, these are the cheapest companies and average rates in Idaho for a husband and wife, both 50 years old, with clean credit and driving histories:

  1. Geico: $878 per year.
  2. Safeco: $928 per year.
  3. Progressive: $1,323 per year.
  4. American Family: $1,343 per year.
  5. Auto Owners: $1,426 per year.
Couples who live together can save on auto insurance by combining policies, whether they are married or not, because they can earn multi-car and multi-driver discounts. Once they tie the knot, rates can dip further, but not because of discounts — insurers see married people as less risky and so charge them lower rates. Our hypothetical 50-year-old couple’s clean driving record also earns them both a good driver discount.

Cheapest for families with a teen in Idaho

To insure a 50-year-old Idaho couple plus an 18-year-old driver, here are the cheapest companies and average rates, assuming full coverage on two vehicles:

  1. Geico: $1,596 per year.
  2. Safeco: $1,866 per year.
  3. American Family: $2,523 per year.
  4. State Farm: $2,737 per year.
  5. Travelers: $2,889 per year.
Taking that same couple and adding a teen with two years’ driving experience is sure to cause a big jump in rates. Since different insurers tend to see a teen’s inexperience in different ways, we analyzed rates to see which companies had the cheapest car insurance for teens. These rates are averaged for 50-year-old couples with male and female 18-year-old drivers across the state.

Cheapest for young drivers in Idaho

As many drivers in their 20s have already discovered, cheap car insurance can be tough to get when you’re young. Most insurers have higher rates for young people than for drivers with more experience. However, each company considers age and driving background differently, so some may be much cheaper than others. We checked rates for 25-year-olds in Idaho to find out who has the best prices for young drivers.

Cheapest full coverage for young good drivers

These are the cheapest insurance companies and average rates in Idaho for a 25-year-old driver with good credit and a clean driving record, buying full coverage:

  1. Safeco: $853 per year.
  2. State Farm: $1,051 per year.
  3. Geico: $1,054 per year.
  4. Travelers: $1,131 per year.
  5. Progressive: $1,135 per year.
Drivers in their 20s can have a hard time finding cheap car insurance, and that's even truer when they need full coverage. The rates above are averages for 25-year-old male and female drivers all over the state with comprehensive and collision coverages, which are often required for drivers with active auto loans or leases. These rates reflect a good driver discount, but no others. Young drivers, like all drivers, should check several quotes to find the cheapest for the coverage levels they need.

Cheapest minimum coverage for young good drivers

For Idaho’s minimum required insurance, the cheapest auto insurers and average rates for a young driver are:

  1. Progressive: $336 per year.
  2. Safeco: $339 per year.
  3. State Farm: $368 per year.
  4. Geico: $385 per year.
  5. Auto Owners: $487 per year.
Since young people often have fewer assets to protect with liability insurance, they can usually get away with lower coverage limits. For an age group with relatively high insurance rates on average, that's good news, keeping rates as low as possible. For this price set, we averaged rates for 25-year-old male and female drivers living across the state who have clean driving records, good credit and bare-bones insurance coverage.

Poor credit and minimum coverage

For a 25-year-old Idaho driver with poor credit and a good driving record, here are the insurance companies with the cheapest average rates for minimum coverage:

  1. Geico: $523 per year.
  2. Safeco: $623 per year.
  3. Allstate: $701 per year.
  4. State Farm: $714 per year.
  5. Dairyland: $723 per year.
Poor credit is common for younger folks just starting out, who may still be building their credit files. That can increase rates further, so it's extra important to shop around and compare as many insurance quotes as possible to find the cheapest you can get. For these prices, we averaged rates across the state for 25-year-old male and female drivers with no recent accidents or violations (earning them a good driver discount), minimum coverage car insurance, and credit in the "poor" tier as reported to an insurer.

Cheapest for minimum coverage after a crash

For a 25-year-old in Idaho who recently caused a wreck, the cheapest insurers and average rates for minimum coverage are:

  1. Safeco: $426 per year.
  2. State Farm: $438 per year.
  3. Progressive: $550 per year.
  4. Geico: $581 per year.
  5. Travelers: $629 per year.
To get prices for this group, we averaged rates for 25-year-old male and female drivers across the state with good credit and a recent at-fault crash costing $10,000 in property damage. Since car insurance is often pricier after a crash, and especially so for young drivers, we assumed minimum required insurance in the state to contain costs for our hypothetical driver. If you've caused a crash, no matter your age, be sure to check auto insurance quotes just after the third and fifth anniversaries of your incident, when insurers often adjust rates downward.

Cheapest for minimum coverage after a DUI

These are the cheapest insurance companies for a young driver in Idaho with a recent DUI, ranked by their average rates for minimum coverage:

  1. Progressive: $404 per year.
  2. Safeco: $426 per year.
  3. State Farm: $509 per year.
  4. Dairyland: $567 per year.
  5. Allstate: $672 per year.
Young drivers with a recent DUI on their records will need to be diligent to find the lowest car insurance rates they can get — it's likely that many companies' rates will be quite expensive. But spending the time to shop around for quotes can help you find the lowest. For this analysis, we averaged rates for male and female 25-year-old drivers with a recent on-record DUI. They had good credit and minimum required car insurance, which helps keep rates down.

Cheapest for minimum coverage and a ticket

For a 25-year-old Idaho driver with a recent speeding ticket, the cheapest insurers and average rates for minimum coverage are:

  1. State Farm: $392 per year.
  2. Progressive: $401 per year.
  3. Safeco: $422 per year.
  4. Idaho Farm Bureau: $527 per year.
  5. Allstate: $595 per year.
Getting a speeding ticket is never fun, and neither is the higher car insurance bill you may receive months later. At that point it's time to shop around for better rates, and it wouldn't hurt to repeat on your third and fifth ticket anniversaries, when insurers may adjust rates downward. We analyzed rates for 25-year-old male and female drivers with a recent speeding violation for going 16 mph over the speed limit to see prices for this group.

Cheap for military families

For drivers in Idaho with a military connection, cheap car insurance is often available through USAA. We didn’t rank USAA with other companies because its policies are exclusively for active service members, veterans and their families. But in Idaho, USAA was one of the three cheapest options for each driver category above except young drivers with a DUI.

Recap: Cheapest car insurance in Idaho

  • Good drivers: Geico
  • Minimum coverage: Geico
  • Poor credit: Geico
  • After an at-fault crash: Safeco
  • After a DUI: Safeco
  • After a speeding ticket: Safeco
  • Married couples: Geico
  • Families with a teen: Geico
  • Young good drivers: Safeco
  • Minimum coverage for young good drivers: Progressive
  • Minimum coverage for young drivers with poor credit: Geico
  • Minimum coverage for young drivers after a crash: Safeco
  • Minimum coverage for young drivers after a DUI: Progressive
  • Minimum coverage for young drivers after a ticket: State Farm

» MORE: Compare car insurance

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 rates from the largest insurers in the state for 40-year-old men and women in all ZIP codes with 12,000 annual miles driven. The policy includes:

  • $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.
If required, minimum additional coverages were added. Our “young driver” had all the same characteristics, but average rates were for 25-year-old men and women. 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 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 costing $10,000 in property damage.
  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
  • For drivers with a DUI, we added a single drunken driving violation.
We used a 2016 Toyota Camry LE for all single drivers. Couples in our analyses were 50-year-old men and women with good credit and clean driving histories, averaged across all ZIP codes with the same policy outlined above. To see rates for families with a teen, we added an 18-year-old licensed two years ago, averaging rates for male and female teens. For couples and families we added a 2016 Nissan Rogue S to create a two-car household. These are rates provided by Quadrant Information Services. Your own rates will be different.