Cheap Auto Insurance in Idaho (2025)
Auto-Owners offers the cheapest car insurance in the Gem State, with liability rates as low as $33 per month.
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On average, Idaho drivers pay $106 per month for full-coverage car insurance, much lower than the national average of $182. Rates are low partially due to the state’s high number of rural areas and seventh-lowest population density.1
Here’s what you should know about finding car insurance in the Gem State.
3 of the cheapest car insurance companies in Idaho
Car insurance companies offer varying rates, types of insurance policies, and discounts. The company that’s best for you depends on your insurance needs, budget, and how you drive.
Safeco
Liberty Mutual
The General
How to get the cheapest car insurance in Idaho
Finding cheap car insurance starts with assessing your coverage needs. If you live in a rural Lewis County ZIP code and you work from home, you might only need liability insurance. If you live and work in a more congested area of Madison County, on the other hand, you’ll probably want a full-coverage policy.
Once you’ve decided on the type of coverage you need, use the following tips to get the best deal:
Compare quotes. Call a few companies directly or request quotes online to see which has the cheapest rates.
Select a high deductible. Select the highest deductible you can afford to pay out of pocket.
Bundle coverage. Bundling your auto insurance with a homeowners or renters insurance policy can earn you a discount.
Have your teen drive an inexpensive car. Consider having your teenager drive the lowest-value car in your household.
Cheapest liability-only car insurance quotes in Idaho: Auto-Owners
As one of America’s most rural states, Idaho auto rates are among the nation’s lowest due to below-average accident rates. In fact, Idaho ranks 12th-cheapest for liability-only car insurance, according to Insurify’s internal data.
Liability insurance, which is mandatory in Idaho, offers two types of protection for accidents that you cause:
Bodily-injury liability covers other drivers’ and passengers’ medical bills if they’re injured or killed.
Property damage liability covers damage to other drivers’ and passengers’ property.4
Cheapest full-coverage car insurance quotes in Idaho: Auto-Owners
Full-coverage car insurance includes optional coverages to pay for damage to your car and other property. If you lease or finance your vehicle, your leasing company or lender will require you to carry full coverage. It typically consists of:
Collision coverage for car accidents with another vehicle or an object like a tree or light pole
Comprehensive coverage for damage caused by weather events, animals, theft, vandalism, and events other than collision
Depending on your circumstances, it might be a good idea to add additional optional coverages, such as uninsured/underinsured motorist coverage, when you purchase full coverage for your car. This coverage also protects you from hit-and-run losses.
Age is an influential factor in determining insurance rates.
Teen drivers pay the highest rates since they have the least experience on the road. Rates start to decline around age 25, but once you reach age 70, you’re likely to see them climb again. The primary reason for this increase is that senior drivers older than 70 are more vulnerable to being injured in a crash.
The table below shows how much Idaho drivers in different age groups pay for car insurance.
Car insurance requirements in Idaho
As a fault-based insurance state, Idaho law requires all drivers to have bodily injury liability and property damage liability auto insurance coverage.5 Fault-based insurance means the at-fault driver is responsible for the other parties’ damages.
Here are the minimum coverages you’ll need in Idaho:
The Idaho Department of Insurance notes that your insurance company must offer you uninsured motorist bodily injury and underinsured motorist bodily injury coverage, but you’re not obligated to purchase either.6
Cheapest car insurance in Idaho by driving record
An incident is an event reported to your car insurance company and might result in an increase in your insurance rate. Examples include a speeding ticket, DUI conviction, and at-fault accident.
Insurance companies raise rates for drivers with an incident on record to offset the risk that they’ll file additional claims. Whether a particular incident actually increases your rate, and by how much, depends on the severity of the incident and your car insurance company.
In Idaho, drivers with a clean record pay an average of $64 per month for liability coverage. But drivers with a DUI pay a monthly average of $103.
Your ZIP code affects how much you pay for car insurance. In the table below, you can see liability-only and full-coverage rates for different cities in Idaho.
Idaho car insurance FAQs
It can be challenging to find the right car insurance. Below, you’ll find answers to some commonly asked questions about how to find the best car insurance in Idaho.
Car insurance in Idaho averages $106 for full coverage and $64 for liability-only policies. Your specific rate will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.
Auto-Owners, State Farm, and USAA are the cheapest insurers in Idaho. Auto-Owners’s liability rates start at $33 per month. State Farm and USAA offer liability rates as low as $35 and $47, respectively.
Ultimately, the best company for you will be the one that provides the coverage you need at a rate you can afford.
Yes. Car insurance is required in Idaho. Drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability insurance, as well as $15,000 in property damage liability coverage.
No. Idaho is an at-fault state. This means that drivers responsible for an auto accident are responsible for covering the costs of resulting damage and injury for the other driver and their passengers.
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