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Best Cheap Car Insurance in Idaho for 2019

March 20, 2019
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, researched the three cheapest car insurance options among the state’s largest insurers for several driver types.

Cheapest for good drivers

State Farm had the cheapest auto insurance rates we found for good drivers in Idaho with good credit, at $61 per month, on average. Progressive was only a buck more per month, on average, and American Family was third-cheapest.

InsurerAverage price
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For this calculation, averaged rates for 40-year-old men and women with a clean driving record and good credit. With the exception of age, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including state-required coverage.

Cheapest for drivers with poor credit

State Farm was the cheapest insurance carrier in our analysis for Idaho drivers with blemished credit, at $119 per month, on average. American Family and Farm Bureau round out the cheapest three.

InsurerAverage price
*Idaho Farm Bureau is not rated because there is not enough data to evaluate it against larger companies.
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$135/month rating: *Not rated


Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent accident. To calculate these figures, averaged rates for 40-year-olds with a clean driving record, poor credit as reported to their insurer, and standard "full coverage" insurance.

Cheapest for drivers with one at-fault crash

For Idahoans who have recently caused a wreck, State Farm had the cheapest auto insurance in our test, at $73 per month, on average. American Family and Progressive also make the list.

InsurerAverage price
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To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. 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 for low-mileage drivers

State Farm was the cheapest insurer we found for Idaho drivers who put down few annual miles, at $55 per month, on average. Progressive and Safeco come in second and third, respectively.

InsurerAverage price
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Whether you're retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical "full coverage" insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.

Cheapest for minimum coverage

Progressive had the lowest insurance rates in our analysis for minimum required coverage in Idaho, at $21 per month, on average. State Farm and Geico complete the list.

InsurerAverage price
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We calculated these numbers by averaging rates for 40-year-old good drivers 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.

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’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’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 driversState Farm
Drivers with poor creditState Farm
Drivers with an at-fault accidentState Farm
Low-mileage driversState Farm
Minimum coverageProgressive
For our base-profile driver with good credit and a clean driving history, averaged rates from the largest insurers for 40-year-old men and women in 20 ZIP codes. The policy includes:

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

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
  • For drivers with one at-fault crash, we added a single at-fault crash.
  • For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.