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Best Cheap Car Insurance in Idaho for 2017

July 20, 2017
Auto Insurance, Insurance
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We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

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 three cheapest car insurance options among the state’s largest insurers for each of the following driver categories:

Good drivers

Young drivers

Drivers with poor credit

Drivers with one at-fault accident

Retired drivers

Also in this article

Minimum Idaho car insurance requirements

Alternative car insurance in Idaho

» FIND YOUR MATCH: Who’s the cheapest carrier for you?

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations. 


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Price

  • $698/year

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Price

  • $755/year

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Price

  • $763/year

Our research found that Geico has the cheapest car insurance in Idaho for drivers with good driving records, with American Family and State Farm offering coverage at around $5 per month more.

Insurance rates in Idaho for good drivers rank as the No. 6 cheapest in the nation, according to NerdWallet’s analysis. Good drivers can generally save even more money by asking about perks from their insurers that reward safety behind the wheel.

Cheapest for young drivers

For drivers in their early 20s.


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Price

  • $380/year

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Price

  • $407/year

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Price

  • $442/year

Drivers in their early 20s often need less coverage than older motorists who likely have more to lose in a crash-related lawsuit. Geico offered the best deal for young drivers in our analysis at roughly $32 per month. In addition to its low rates, Geico also provides discounts aimed specifically at teens and young adults, such as those for being a good student or completing a driver’s education course.

Cheapest for drivers with poor credit

For drivers placed in the “poor credit” tier.


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Price

  • $1,108/year

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Price

  • $1,204/year

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Price

  • $1,337/year

Idaho drivers with poor credit will likely face higher car insurance rates than most other groups. Based on our findings, insurers often levy harsher penalties for having credit issues than for causing an accident.

Prices vary quite a bit among companies we looked at, so there’s still plenty of incentive to shop around if your credit isn’t good. A gap of more than $1,700 separated the cheapest and most expensive rates we found, showing just how much you stand to save by comparing several estimates.

Cheapest for drivers with one at-fault accident


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Price

  • $904/year

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Price

  • $1,249/year

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Price

  • $1,255/year

Causing an accident often triggers a rate increase at policy-renewal time, and that’s true whether you stick with your current insurer or shop around. Still, some companies impose stiffer penalties than others, so comparing several rates could mean significant savings.

State Farm had the best rates in Idaho by far in our analysis for drivers with one at-fault accident, at around $75 per month — $345 less per year than second-place Progressive, with Farm Bureau close behind.

Cheapest for retired drivers

For drivers in their mid- to late 60s who no longer use their car for commuting.


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Price

  • $581/year

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Price

  • $600/year

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Price

  • $620/year

For retirees, giving up the daily commute is a major plus when it comes to finding cheap car insurance in Idaho.

We looked at rates for drivers in their 60s who spend half as much time in the car each year as other groups. All three of the cheapest insurers had rates that were lower than the best deal available for good drivers half that age who drive to work. Nevertheless, you could run into some high rates while shopping — for instance, the most expensive estimate we found was $1,147 per year — so you’ll benefit from comparing several companies.

Minimum Idaho car insurance requirements

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

Idaho is one of several states that make up the Western Association of Automobile Insurance Plans (WAAIP). If you’re having trouble obtaining car insurance from traditional insurers because of a bad driving record, poor credit or other factors, the WAAIP 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.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in Idaho

CategoryCheapest option
Good driversGeico
Young driversGeico
Drivers with poor creditGeico
Drivers with an at-fault accidentState Farm
Retired driversGeico

Methodology

For most categories, NerdWallet averaged rates from the largest insurers for 30-year-old men and women in 10 ZIP codes and with the following coverage limits:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $50,000 property damage liability coverage per accident
  • $100,000 uninsured motorist bodily injury coverage per person
  • $300,000 uninsured motorist bodily injury coverage per accident
  • Collision coverage with $1,000 deductible
  • Comprehensive coverage with $1,000 deductible

We used a 2013 Toyota Camry in all cases. Our sample retired driver was age 67 and drove 50% fewer annual miles than other groups. Our sample young driver was age 22 and carried the minimum required coverage. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Updated July 20, 2017.

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