How to find the cheapest car insurance quotes in Idaho
No car insurance company is perfect—but cheap coverage is out there if you know where to look. To find the lowest rates in Idaho, drivers should compare quotes from multiple car insurance companies to ensure they’re finding the best coverage and price.
Jerry can help simplify the search process by collecting and comparing quotes on your behalf, so you can easily compare rates across insurance companies to find the right policy.
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Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Dairyland | $421 | Lucille, 44, Kuna, ID | Subaru Wrx Sti | 50/100 | Yes |
| Bristol West | $143 | Gene, 38, Caldwell, ID | Cadillac Escalade Luxury | State Minimum | Yes |
| National General | $236 | Luke, 38, Boise, ID | Chrysler 200 Limited | State Minimum | Yes |
| National General | $64 | Harry, 53, Pocatello, ID | Dodge Ram 2500 St | State Minimum | No |
| Progressive | $41 | Gerald, 35, Boise, ID | Jeep Cherokee Latitude | 50/100 | Yes |
Cheapest car insurance companies in Idaho
Curious about the car insurance company with the lowest rates in Idaho? Jerry conducted the largest nationwide insurance shopping survey to uncover the answer:
The results of our survey show that there is no singular “cheapest” insurance company out there for Idaho drivers—but Idaho drivers rated Dairyland, Progressive, and Safeco as the best insurance companies in the state.
Find out what drivers in Idaho have to say about these insurers and others below:
| Insurance Company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| National General | October 31, 2024 | 5 | “Have had them for almost a month and so far they have been very helpful and had tha best price outta any of the other insurers.” -Mitchell |
| Bristol West | October 28, 2024 | 3 | “A little pricey for state minimum insurance. “ -Garrett |
| Progressive | October 24, 2024 | 5 | “Thank you progressive for saving me on my car insurance!” -Nannie |
| GEICO | October 22, 2024 | 4 | “Saved almost $100 a month compared to my last provider” -Lillie |
| Trexis Insurance | October 18, 2024 | 4 | “Never had an issue with Geico and one of the best auto insurance I’ve had. One of the cheapest for younger drivers.” -Alta |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you want to compare car insurance quotes quickly, the easiest way to do so is by using a car insurance comparison website or app.
That’s where Jerry comes in to save the day! We’re a trusted insurance agency with a free app that not only compares car insurance quotes but also offers top-notch service from an amazing team of 100+ licensed insurance agents.
Minimum liability and full coverage in Idaho
Drivers in Idaho must carry a minimum amount of car insurance coverage before hitting the road. However, you may consider adding extra coverage options that provide additional protection for damages and repairs to your vehicle.
Cheapest minimum liability coverage car insurance quotes in Idaho
In Idaho, liability insurance is mandatory for every driver.
If you happen to be at fault in an accident, your liability coverage provides protection for the other driver involved. This insurance type covers expenses such as lost wages, property damage, and medical bills resulting from your actions.
Idaho’s minimum liability coverage requirements include:
- $25,000 per person / $50,000 per accident in bodily injury liability coverage
- $15,000 per accident in property damage liability coverage
This amount of coverage is often expressed more simply as 25/50/15. Idaho car insurance policies also automatically include uninsured/underinsured motorist coverage, but drivers can waive that coverage if they choose.
The table below shows how Jerry has helped many car owners in Idaho obtain the required minimum liability coverage:
|
Insurance Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| State Minimum | Yes | Bristol West | $143 | Gene, 38, Caldwell, ID | Cadillac Escalade Luxury |
| State Minimum | Yes | National General | $236 | Luke, 38, Boise, ID | Chrysler 200 Limited |
| State Minimum | No | National General | $64 | Harry, 53, Pocatello, ID | Dodge Ram 2500 St |
| State Minimum | Yes | National General | $101 | Helena, 43, Boise, ID | Subaru Impreza |
| State Minimum | No | Bristol West | $94 | Cecilia, 38, Boise, ID | Chevrolet Equinox Premier |
Do you need more than minimum coverage in Idaho?
Idaho’s minimum car insurance requirements won’t give you total protection in the event of an accident. That’s why it’s always a good idea to invest in higher coverage limits and policy add-ons.
Most drivers add comprehensive coverage and collision coverage to their auto insurance policy. Paired with your minimum liability coverage, these insurance coverages can offer full coverage on your vehicle from damage in the event of accidents, natural disasters, vandalism, theft, and other incidents.
Cheapest full coverage car insurance quotes in Idaho
To safeguard yourself from expenses like repairing or replacing your vehicle, full coverage car insurance is the ideal choice.
Full coverage policies contain your liability coverage, as well as comprehensive and collision coverage. Collision coverage takes care of costs associated with repairing or replacing your car after an accident, while comprehensive coverage provides compensation for theft or damage caused by non-collision incidents.
If you are leasing or financing your vehicle, your lender will require you to carry a full-coverage policy until your loan’s paid off. The good news is, Jerry can help you find the cheapest rates.
|
Insurance Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| 50/100 | Yes | Dairyland | $421 | Lucille, 44, Kuna, ID | Subaru Wrx Sti |
| State Minimum | Yes | Bristol West | $143 | Gene, 38, Caldwell, ID | Cadillac Escalade Luxury |
| State Minimum | Yes | National General | $236 | Luke, 38, Boise, ID | Chrysler 200 Limited |
| State Minimum | No | National General | $64 | Harry, 53, Pocatello, ID | Dodge Ram 2500 St |
| 50/100 | Yes | Progressive | $41 | Gerald, 35, Boise, ID | Jeep Cherokee Latitude |
Average rates for state minimum liability coverage and full coverage
Through our experience assisting policyholders in Idaho, Jerry has discovered that the average monthly cost for minimum liability insurance is around $114, or $1,371 annually. In the case of full coverage insurance, the average monthly cost in Idaho is approximately $142, totaling $1704 per year.
While average insurance rates can give you a general idea of what your personal insurance costs might be, it’s important to acknowledge that each driver’s premium is calculated uniquely. Factors such as your age, driving record, claims history, vehicle type, and location all play a role in determining your individual premium.
Idaho car insurance: Additional coverages
Apart from collision and comprehensive coverage, there are other types of car insurance worth considering in Idaho, including:
- Uninsured motorist coverage/underinsured motorist coverage (UM/UIM)
- Personal injury protection (PIP)
- Medical payments (MedPay)
- Towing and labor coverage
- Rental reimbursement coverage
For drivers who lease or finance a vehicle: It’s recommended that you purchase gap insurance. This type of coverage covers the difference between what you owe on your financed car and its actual cash value in the event of theft or a total loss.
For drivers who frequently borrow or rent a vehicle: A non-owner car insurance policy offers liability coverage regardless of the car you’re driving. However, it does not cover damages to the vehicle or personal injuries in an accident.
Car insurance premium by rating factors
Car insurance companies in Idaho take various factors into account when determining your annual premium, including:
- Your driving record / claims history: If you have a history of accidents or tickets, insurance carriers will increase their charges accordingly.
- Where you park your car: Your garaging location also plays a role in determining your auto insurance costs. Drivers who live in cities like Boise tend to see higher annual rates.
- The make / model of your car: Luxury, high-performance, and sports vehicles generally have higher rates for collision and comprehensive coverage.
- How often you drive: Insurance companies often charge higher premiums when your car is used for commuting, as opposed to leisure purposes.
- Your credit score: Drivers with good credit typically pay lower rates for the same amount of coverage.
Cheapest Idaho car Insurance after a driving violation
Your driving history impacts your auto insurance quotes—and having violations on your record can lead to significant price hikes. Insurance companies view a history of violations as an indication of higher risk, and will charge you a higher rate accordingly.
Cheapest car insurance for Idaho drivers with a speeding ticket
Having a speeding ticket on your driving record can result in an increase in your car insurance rate.
On average, Idaho drivers that are caught speeding up to 15 mph over the limit experience a 21% rate increase, while drivers caught speeding 16+ mph over the limit could face even steeper price hikes.
But even with a ticket on your record, finding affordable rates is still possible. Jerry has helped drivers with various speeding tickets save on their insurance costs:
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Speeding 16-20 | The General | $161 | Jose, 19, Star, ID | State Minimum | No |
| Speeding Violation-Minor | Progressive | $66 | Harriet, 40, Pocatello, ID | 50/100 | No |
| Speeding Violation-Major | Progressive | $258 | Barry, 25, Ammon, ID | State Minimum | Yes |
| Speeding Violation-Minor | Bristol West | $84 | Rosie, 48, Nampa, ID | State Minimum | No |
| Speeding 1-5 | Progressive | $110 | Mollie, 24, Jerome, ID | State Minimum | Yes |
Cheapest auto insurance in Idaho after a DUI
Speeding violations are not the only thing that can raise your insurance rates. In Idaho, DUIs are considered a significant violation that can result in substantial increases in car insurance costs.
Exactly how much you pay for insurance after a DUI conviction can vary greatly among carriers—that’s why it’s smart to shop around and compare rates from various insurance companies. The table below showcases how Jerry has assisted high-risk drivers in finding affordable coverage options after a DUI:
Idaho SR-22 insurance
In the event of a serious violation, like a DUI, you may have to fulfill a legal obligation called an SR-22 filing. An Idaho SR-22 is issued by insurance companies to certify that you have the minimum liability coverage required by Idaho law.
SR-22s may also be required if:
- You’re caught driving without insurance
- You are convicted of a reckless driving charge
- Your driver’s license was suspended or revoked
After being convicted of a serious driving offense, Idaho requires you to carry SR-22 insurance for a minimum of three years.
Cheapest Idaho auto insurance after an at-fault accident
Your accident history can influence your car insurance rates, since insurance companies assess your at-fault accidents to determine your level of risk. Recent at-fault accidents can lead to significant rate increases.
|
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| At Fault With No Injury | Dairyland | $421 | Lucille, 44, Kuna, ID | 50/100 | Yes |
| At Fault With No Injury | National General | $236 | Luke, 38, Boise, ID | State Minimum | Yes |
| At Fault With No Injury | Progressive | $41 | Gerald, 35, Boise, ID | 50/100 | Yes |
| At Fault With No Injury | Bristol West | $94 | Cecilia, 38, Boise, ID | State Minimum | No |
| At Fault With No Injury | Bristol West | $48 | Melvin, 61, Boise, ID | State Minimum | No |
FAQ
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Is Idaho an at-fault state?
Cheapest auto insurance after other violations in Idaho
In addition to speeding tickets and DUIs, other types of violations can lead to higher car insurance costs in Idaho. Check out the list below to see different driving violations and how Jerry assisted drivers in saving on their car insurance.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Other Minor | Dairyland | $421 | Lucille, 44, Kuna, ID | 50/100 | Yes |
| Suspension | National General | $236 | Luke, 38, Boise, ID | State Minimum | Yes |
| Other Minor | National General | $101 | Helena, 43, Boise, ID | State Minimum | Yes |
| Illegal Turn | Bristol West | $94 | Cecilia, 38, Boise, ID | State Minimum | No |
| DUI | The General | $104 | Mamie, 33, Nampa, ID | State Minimum | No |
Cheapest auto insurance in Idaho based on insurance history
Like your accident history, your insurance history plays a role in determining your car insurance rates. This includes factors like how long you’ve been insured and whether you’ve had any coverage lapses.
If you’ve experienced a lapse of coverage in the recent past, chances are you’ll face higher insurance premiums.
At Jerry, we understand the importance of timely payments and avoiding coverage gaps. That’s why we provide payment reminders to eligible customers, ensuring they stay on track. We can also help drivers find affordable policies, even if they are currently uninsured or have experienced coverage lapses.
Cheapest car insurance for drivers with poor credit
While your credit score doesn’t prove your driving ability, insurance companies nonetheless factor in credit history when calculating your rates. That’s because insurers have observed a connection between lower credit scores and increased claim filing.
As a result, having a lower credit score can lead to higher insurance costs.
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| <550 | Dairyland | $421 | Lucille, 44, Kuna, ID | Subaru Wrx Sti | 50/100 | Yes |
| 550-659 | Bristol West | $143 | Gene, 38, Caldwell, ID | Cadillac Escalade Luxury | State Minimum | Yes |
| 550-659 | National General | $236 | Luke, 38, Boise, ID | Chrysler 200 Limited | State Minimum | Yes |
| 550-659 | National General | $64 | Harry, 53, Pocatello, ID | Dodge Ram 2500 St | State Minimum | No |
Cheapest car insurance in Idaho by age
Young drivers typically face some of the highest auto insurance rates, in large part due to limited driving experience and a likelihood of accidents. The good news is, steep rates gradually start to drop off as drivers turn 25.
Cheapest car insurance in Idaho for young drivers
Young drivers are best served by a full-coverage car insurance policy that can shoulder the brunt of accident-related damages in the event of a collision or loss. Jerry can help young drivers find the best rates when it comes to comprehensive and collision coverage.
Cheapest car insurance in Idaho for senior drivers
Similar to teen drivers, senior drivers pose another kind of heightened risk in the eyes of insurance agencies. That’s because:
- Senior drivers have a higher likelihood of being involved in accidents
- Senior drivers are more susceptible to severe injuries in collisions, resulting in substantial medical expenses and increased costs for insurance providers
Drivers typically see a sudden increase in their insurance rates once they hit their mid-70s. Compare the average costs of Idaho car insurance for senior drivers (along with potential savings) below:
Cheapest car insurance for popular cars
Another rating factor reviewed by car insurance companies? The type of car you drive.
While the myth that your car’s color can affect your insurance rates is false, it’s true that insurers look at your vehicle’s make and model when determining your premium. The rating factors associated with the type of car you own include repair or replacement costs, the likelihood of theft, and the vehicle’s overall safety record.
That’s why drivers of certain vehicles may receive above-average rates when it comes to coverage. Some of the most popular models among Idahoans include:
- Toyota Tacoma
- GMC Sierra
- Ram 1500
- Chevy Silverado 1500
Learn more: How to get car insurance before buying a car
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Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Ram 1500 St | The General | $70 | Ann, 45, Post Falls, ID | State Minimum | No |
| Ram 1500 Rebel | Progressive | $39 | Estelle, 35, Orofino, ID | State Minimum | No |
| Gmc Sierra K1500 Slt | Safeco | $111 | Glenn, 35, Saint Anthony, ID | State Minimum | Yes |
| Gmc Sierra K1500 Sle | Bristol West | $130 | Cora, 76, Bonners Ferry, ID | State Minimum | Yes |
| Ram 1500 Slt | The General | $102 | Jeremiah, 24, Boise, ID | State Minimum | No |
Is it cheaper to insure a new car or a used car?
On average, new vehicles tend to carry higher insurance costs compared to used or older models.
There are several factors that contribute to this disparity in insurance premiums, including:
- New cars are more expensive to repair or replace in the event of an accident, as their parts may be more costly and harder to find
- New vehicles often come equipped with advanced safety features and technology, which can increase their overall value
- New cars may be more appealing to thieves, increasing the risk of theft and subsequent insurance claims
- Insurance providers consider the depreciation rate of a vehicle, which tends to be higher for new cars, leading to higher insurance premiums to account for potential loss in value.
Therefore, it is important for car owners to carefully consider these factors when choosing a vehicle and obtaining insurance coverage.
Cheapest car insurance in Idaho by location
In addition to the factors above, where you live affects your insurance costs. Stats like population density, accident rates, crime statistics, and climate can all influence your rates, so that insurance premiums may vary across different cities and even zip codes.
Jerry has assisted Gem State drivers in finding the best car insurance rates and appropriate coverage levels based on their specific needs.
|
City
|
Customer
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Kuna, ID | Lucille | Dairyland | $421 | Subaru Wrx Sti | 50/100 | Yes |
| Caldwell, ID | Gene | Bristol West | $143 | Cadillac Escalade Luxury | State Minimum | Yes |
| Boise, ID | Luke | National General | $236 | Chrysler 200 Limited | State Minimum | Yes |
| Pocatello, ID | Harry | National General | $64 | Dodge Ram 2500 St | State Minimum | No |
| Boise, ID | Gerald | Progressive | $41 | Jeep Cherokee Latitude | 50/100 | Yes |
How to lower the cost of car insurance in Idaho
Looking to lower your insurance costs in Idaho? Here are some tips recommended by Jerry’s insurance agents:
- Obtain quotes from at least three to five different companies for comparison.
- Consider bundling your car insurance with your homeowners insurance.
- Look for available car insurance discounts that you qualify for, such as good driver discounts, low mileage discounts, and student discounts.
- Raise the deductibles for your comprehensive and collision coverage.
- Work on improving your credit score.
- Consider taking a defensive driving course, as some insurers offer discounts for completing approved courses.
- Consider dropping additional coverages, such as collision and comprehensive coverage, on older or infrequently driven vehicles.
Why is car insurance so expensive in Idaho?
Despite the fact that Idaho auto insurance coverage costs less compared to other states, premiums in the Gem State can quickly get pricey for the following reasons:
- A high percentage of uninsured drivers on the roads
- Increasing healthcare costs across the state
- Higher risks of natural disasters/severe weather (wildfire, flooding, etc.)
FAQ
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What is the average cost of car insurance in Idaho?
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What kind of car insurance do you need in Idaho?
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What company has the cheapest car insurance in Idaho?
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Does insurance follow the car or the driver in Idaho?
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What happens if the person at faut in an accident is uninsured in Idaho?
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Is it illegal to drive without car insurance in Idaho?
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How long does an at-fault accident stay on your record in Idaho?
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
