Best Car Insurance in Idaho (2025)
Progressive, State Farm, and USAA offer the best car insurance policies in Idaho.
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Choosing the best car insurance company may feel difficult — especially with so many options available. That’s why Insurify’s editorial team analyzed 50 different companies to find the best options for cheap car insurance in Idaho.
Here’s a closer look at the top five companies offering low average rates for Gem State residents.
Best car insurance companies in Idaho
Idaho drivers may face challenges when they hit the road. The best way to find the right auto policy for your needs is to compare quotes from multiple insurers. Start your search below, with information about five of the top car insurance companies in Idaho.
Progressive: Best overall
State Farm: Best for customer satisfaction
USAA: Best for current and former military members
Amica: Best for good claims service
Direct Auto: Best for SR-22 coverage
Our editorial team analyzed regional and national auto insurance companies that sell policies in Idaho to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Idaho
Following the tips below can help you save money on the car insurance Idaho requires all drivers to buy. See how you can save on coverage.
Average cost of car insurance in Idaho
Idaho auto owners live in a relatively inexpensive state for car insurance. Residents pay an average rate of $64 per month for liability coverage and $106 for full coverage.
In contrast, drivers nationwide pay an average of $103 per month for liability and $182 for full coverage.
Best car insurance in Idaho FAQs
The following information can help answer your questions about finding good car insurance in Idaho at an affordable average rate.
How much is car insurance in Idaho?
The average rate for car insurance in Idaho is $143 per month. By coverage level, Idaho residents pay $103 per month for minimum liability and $182 for full coverage.
How much you pay will ultimately depend on factors like your driving record, insurance company, age, ZIP code, and more.
What are the best car insurance companies in Idaho?
State Farm, USAA, and Progressive are a few of the best car insurance options in the state. Each company offers low average annual rates for minimum liability and full-coverage policies. Direct Auto and Amica also offer cheap car insurance options with good coverage.
What is the required auto insurance coverage amount in Idaho?
State law requires all Idaho drivers to carry minimum coverage amounts of $25,000 per person and $50,000 per accident in bodily injury liability protection and $15,000 in property damage liability protection. Insurers must also automatically include uninsured and underinsured motorist coverage, but Idaho drivers have the option to decline this coverage in writing.4
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