Cheap Car Insurance in Idaho (May 2025)

Written by Ben Moore and 1 other
Updated Mar 25, 2025
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Cheap Car Insurance in Idaho (May 2025)

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Key Takeaways
  • Dairyland, National General and Progressive offer some of the cheapest car insurance in Idaho.
  • The average cost of minimum coverage in Idaho is around $90 per month.
  • Compare quotes from multiple insurers to find cheap car insurance in Idaho.

You may find cheap car insurance in Idaho with companies like Dairyland, National General and Progressive. These insurers are among the most affordable in the state, according to real quotes for Jerry customers.

Below are other affordable providers for minimum and full coverage, plus by age, driving history and credit score.

COMPARE CHEAP CAR INSURANCE QUOTES IN IDAHO

Cheap liability car insurance in Idaho

Here are the most affordable insurers in Idaho for minimum coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $70 $841
Progressive $89 $1,070
Dairyland $92 $1,102
National General $100 $1,202
The General $102 $1,219
Bristol West $126 $1,511
Assurance America $340 $4,080
Trexis $362 $4,342
First Acceptance $406 $4,869
Last Updated Apr 30, 2025

Minimum car insurance requirements in Idado

Idaho drivers are required to carry the following car insurance coverages, at minimum:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $15,000 in property damage liability per accident.

Cheap full coverage car insurance in Idaho

Below are the cheapest auto insurers in Idaho for full coverage.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Gainsco $86 $1,028
Progressive $148 $1,772
Safeco $150 $1,794
National General $160 $1,921
Embark General $176 $2,113
First Acceptance $186 $2,228
Dairyland $199 $2,382
Infinity $214 $2,566
Bristol West $216 $2,594
The General $261 $3,127
Last Updated Apr 30, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Average car insurance costs for young drivers in Idaho

Below are the average costs of car insurance in Idaho for drivers between 18 and 24.

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $226 $2,713
21-24 $185 $2,219
Last Updated Apr 30, 2025

Cheap liability car insurance in Idaho for a 20-year-old

Here are the most affordable insurers in Idaho for 20-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Dairyland $155 $1,862
National General $191 $2,294
The General $219 $2,628
Progressive $235 $2,817
Anchor General $248 $2,973
Last Updated Apr 30, 2025

Cheap full coverage in Idaho for a 20-year-old

These are the cheapest car insurance companies in Idaho for 20-year-olds with full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
The General $248 $2,974
National General $293 $3,518
Progressive $327 $3,920
Bristol West $336 $4,032
Dairyland $427 $5,130
Last Updated Apr 30, 2025

Average auto insurance costs for mature drivers in Idaho (25-54)

Below are the average costs of car insurance for drivers in Idaho between the ages of 25 to 54.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $148 $1,772
35-44 $147 $1,769
45-54 $117 $1,409
Last Updated May 1, 2025

Cheapest liability car insurance in Idaho for a 35-year-old

These are the cheapest car insurance companies in Idaho for 35-year-olds with minimum coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Bristol West $65 $774
Progressive $65 $784
Dairyland $75 $895
National General $89 $1,068
The General $151 $1,807
Last Updated May 1, 2025

Cheapest full coverage in Idaho for a 35-year-old

These are the cheapest car insurance companies in Idaho for 35-year-olds with full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $70 $835
Safeco $100 $1,204
Dairyland $156 $1,869
National General $201 $2,417
Bristol West $206 $2,476
Last Updated May 1, 2025

Average car insurance costs for older drivers in Idaho (55+)

Below are the average costs of car insurance for drivers in Idaho 55 and older.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $94 $1,131
65+ $111 $1,336
Last Updated Apr 30, 2025

Cheapest car insurance in Idaho by driving history

Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.

Cheap car insurance for drivers with clean records in Idaho

Here are the most affordable insurers in Idaho for those with clean driving records, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $96 $1,152
National General $102 $1,218
The General $114 $1,372
Dairyland $128 $1,532
Safeco $128 $1,537
Last Updated May 1, 2025

Cheapest car insurance with a speeding ticket in Idaho

Here are the most affordable insurers in Idaho for those with a speeding ticket, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $144 $1,724
Progressive $149 $1,782
National General $150 $1,802
Dairyland $207 $2,489
Bristol West $215 $2,585
Last Updated May 1, 2025

Cheapest car insurance after an at-fault accident with no injury in Idaho

Here are the most affordable insurers in Idaho for those with an at-fault accident with no injury, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Gainsco $92 $1,106
National General $155 $1,864
The General $166 $1,988
Safeco $166 $1,994
Progressive $170 $2,037
Last Updated Apr 30, 2025

Cheapest auto insurance after an at-fault accident with injury in Idaho

These are the cheapest car insurance companies in Idaho for drivers with an at-fault accident with injury, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $71 $846
Dairyland $71 $850
Bristol West $90 $1,077
National General $123 $1,473
The General $170 $2,043
Last Updated Apr 30, 2025

Cheapest car insurance with a DUI in Idaho

Here are the most affordable insurers in Idaho for those with a DUI, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $72 $869
National General $87 $1,042
Bristol West $132 $1,585
Safeco $233 $2,800
The General $235 $2,815
Last Updated May 1, 2025

Average auto insurance costs for Idaho drivers with other violations

Below are average car insurance costs in Idaho for other driving violations.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $320 $3,835
Cell Phone $192 $2,298
Driving on Sus. License $132 $1,586
Failure to Obey Traffic Sign $167 $2,004
Illegal Turn $112 $1,341
Last Updated Apr 30, 2025

Cheapest auto insurance for low credit scores in Idaho

Drivers in Idaho with low credit scores typically pay more for car insurance than those with higher scores. These are the cheapest car insurance companies in Idaho for drivers with a credit score below 550.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
National General $121 $1,448
Progressive $133 $1,599
Dairyland $151 $1,808
The General $158 $1,894
Safeco $160 $1,915
Last Updated Apr 30, 2025

Lear more: How a credit-based insurance score works

How to find cheap car insurance in Idaho

Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.

You can also try these tips to lower your auto insurance costs:

  • Ask your insurer about discounts you qualify for.
  • Install a telematics app on your phone. 
  • Improve your credit score.
  • Pay your policy in full.
  • Bundle your home and car insurance policies with the same company. 
Compare car insurance quotes with Jerry.

More: Best car insurance companies

Factors that affect car insurance costs in Idaho

How much you pay for coverage depends on a variety of factors, including your:

  • ZIP code.
  • Driving history.
  • Vehicle’s year, make, and model.
  • Claims history.
  • Car usage and miles driven.
  • Deductible.

More: How car insurance rates are calculated

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.