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Best Cheap Car Insurance in Idaho for 2021

Dec. 9, 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 23 insurers in the state for several driver types.

Cheapest for 20-year-old drivers in Idaho

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 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: $901 per year.
  2. Geico: $1,738 per year.
  3. Mutual of Enumclaw: $1,842 per year.
  4. State Farm: $1,865 per year.
  5. Oregon Mutual: $1,883 per year.

Cheapest minimum coverage 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: $308 per year.
  2. Geico: $529 per year.
  3. State Farm: $594 per year.
  4. Allstate: $632 per year.
  5. Mutual of Enumclaw: $779 per year.

Cheapest coverage for 20-year-olds with poor credit in Idaho

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

  1. Geico: $627 per year.
  2. Allstate: $806 per year.
  3. Dairyland: $984 per year.
  4. Grange Insurance Association: $1,024 per year.
  5. American National: $1,035 per year.

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

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

  1. American National: $434 per year.
  2. Geico: $670 per year.
  3. State Farm: $705 per year.
  4. Dairyland: $847 per year.
  5. Allstate: $903 per year.

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

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

  1. American National: $503 per year.
  2. Dairyland: $796 per year.
  3. Allstate: $799 per year.
  4. State Farm: $828 per year.
  5. American Family: $915 per year.

Cheapest for 30-year-old drivers in Idaho

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 in Idaho for 30-year-olds

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

  1. American National: $457 per year.
  2. Oregon Mutual: $878 per year.
  3. State Farm: $893 per year.
  4. Geico: $897 per year.
  5. Grange Insurance Association: $902 per year.

Cheapest minimum coverage 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: $139 per year.
  2. Geico: $250 per year.
  3. Grange Insurance Association: $257 per year.
  4. State Farm: $267 per year.
  5. Auto-Owners: $290 per year.

Cheapest coverage for 30-year-olds with poor credit in Idaho

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

  1. Geico: $1,094 per year.
  2. Grange Insurance Association: $1,159 per year.
  3. Oregon Mutual: $1,218 per year.
  4. Nationwide: $1,397 per year.
  5. American National: $1,542 per year.

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

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

  1. American National: $639 per year.
  2. State Farm: $1,044 per year.
  3. Oregon Mutual: $1,107 per year.
  4. Grange Insurance Association: $1,182 per year.
  5. American Family: $1,317 per year.

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

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

  1. American National: $727 per year.
  2. State Farm: $1,196 per year.
  3. American Family: $1,317 per year.
  4. Farmers: $1,382 per year.
  5. Oregon Mutual: $1,446 per year.

Cheapest for 40-year-old drivers in Idaho

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 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: $400 per year.
  2. Oregon Mutual: $792 per year.
  3. Grange Insurance Association: $871 per year.
  4. State Farm: $871 per year.
  5. Geico: $887 per year.

Cheapest minimum coverage 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: $131 per year.
  2. Geico: $248 per year.
  3. Grange Insurance Association: $248 per year.
  4. State Farm: $267 per year.
  5. Auto-Owners: $294 per year.

Cheapest coverage for 40-year-olds with poor credit in Idaho

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

  1. Geico: $1,083 per year.
  2. Oregon Mutual: $1,115 per year.
  3. Grange Insurance Association: $1,119 per year.
  4. Nationwide: $1,318 per year.
  5. American National: $1,351 per year.

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

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

  1. American National: $558 per year.
  2. State Farm: $1,019 per year.
  3. Oregon Mutual: $1,043 per year.
  4. Grange Insurance Association: $1,141 per year.
  5. American Family: $1,210 per year.

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

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

  1. American National: $635 per year.
  2. State Farm: $1,167 per year.
  3. American Family: $1,210 per year.
  4. Farmers: $1,330 per year.
  5. Oregon Mutual: $1,378 per year.

Cheapest for 50-year-old drivers in Idaho

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 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: $383 per year.
  2. Oregon Mutual: $740 per year.
  3. Geico: $815 per year.
  4. Grange Insurance Association: $840 per year.
  5. State Farm: $853 per year.

Cheapest minimum coverage 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: $123 per year.
  2. Geico: $231 per year.
  3. Grange Insurance Association: $238 per year.
  4. State Farm: $264 per year.
  5. Auto-Owners: $275 per year.

Cheapest coverage for 50-year-olds with poor credit in Idaho

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

  1. Geico: $992 per year.
  2. Oregon Mutual: $1,041 per year.
  3. Grange Insurance Association: $1,079 per year.
  4. Nationwide: $1,217 per year.
  5. Mutual of Enumclaw: $1,288 per year.

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

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

  1. American National: $536 per year.
  2. State Farm: $999 per year.
  3. Oregon Mutual: $1,007 per year.
  4. Grange Insurance Association: $1,100 per year.
  5. American Family: $1,124 per year.

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

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: $608 per year.
  2. American Family: $1,124 per year.
  3. State Farm: $1,145 per year.
  4. Dairyland: $1,226 per year.
  5. Farmers: $1,299 per year.

Cheapest for 65-year-old drivers in Idaho

Although 65-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 mid-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 in Idaho for 65-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: $371 per year.
  2. Oregon Mutual: $789 per year.
  3. State Farm: $805 per year.
  4. Nationwide: $821 per year.
  5. Grange Insurance Association: $879 per year.

Cheapest minimum coverage in Idaho for 65-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: $137 per year.
  2. Grange Insurance Association: $250 per year.
  3. State Farm: $253 per year.
  4. Geico: $265 per year.
  5. Auto-Owners: $308 per year.

Cheapest coverage for 65-year-olds with poor credit in Idaho

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

  1. Oregon Mutual: $1,107 per year.
  2. Grange Insurance Association: $1,129 per year.
  3. Geico: $1,136 per year.
  4. Nationwide: $1,143 per year.
  5. American National: $1,251 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Idaho

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

  1. American National: $517 per year.
  2. State Farm: $945 per year.
  3. Oregon Mutual: $1,091 per year.
  4. American Family: $1,145 per year.
  5. Grange Insurance Association: $1,151 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Idaho

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: $590 per year.
  2. State Farm: $1,084 per year.
  3. American Family: $1,145 per year.
  4. Dairyland: $1,201 per year.
  5. Farmers: $1,307 per year.

Cheapest 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 29 of the 40 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

These are rates generated through Quadrant Information Services. Your own rates will be different.