Cheapest Auto Insurance in Idaho Falls, Idaho (2025)

Situated along the banks of the Snake River, Idaho Falls is the largest city in the Eastern Idaho region and the third-largest metropolitan area in the state. However, its car insurance rates are near the state average: Idaho Falls drivers pay an overall average of $95 per month for car insurance. For comparison, the state overall cost of car insurance is an average of $85 per month.

Here’s what you need to know about finding affordable coverage in Idaho Falls.

Cheapest car insurance companies in Idaho Falls

The cheapest car insurance company depends on your particular driver profile, budget, and needs. It’s in your best interest to shop around with different companies to find the best rates. Here are a few car insurance companies Insurify identified to start your search for the best car insurance and most affordable option in Idaho Falls.

Best insurer for low-mileage drivers: Nationwide

Best insurer for military members and veterans: USAA

Best insurer for students: Liberty Mutual

How to get the cheapest car insurance in Idaho Falls

With some effort, you can find cheap car insurance in Idaho Falls. These tips can help you focus on getting the right insurance coverage at the right price for your unique driver profile:

• Shop around. Don’t go with the first car insurance company you find, because insurers set different rates for individuals and families. Instead, get quotes from at least three different car insurance companies so you can compare premiums, coverage levels, and customer satisfaction reviews.

• Look for discounts. The best car insurance companies typically offer various discounts for policyholders who meet certain criteria. A few examples of common discounts include a loyalty discount, anti-theft device discount, and multi-car discount. You can find out about discounts from an insurance agent or the company’s website.

• Bundle policies. If you buy your car insurance from the same company as your homeowners insurance, renters insurance, or life insurance, you may be able to secure a discount on both policies.

• Consider usage-based insurance. If you don’t drive very often because you’re retired or work remotely, for example, you can save money with a pay-per-mile policy. You’ll only pay for the miles you drive.

• Drive safely. Incidents like speeding and DUIs can lead to higher car insurance rates.

Cheapest liability-only car insurance in Idaho Falls: Auto-Owners

Per Idaho law, you must have liability car insurance to drive in Idaho Falls. This type of policy covers the other driver’s property damage and medical expenses after an accident you cause. And it’s generally the least expensive car insurance you can buy.

Auto-Owners is the cheapest car insurance company for liability-only coverage in Idaho Falls, with a rate of $37 per month.

This table shows car insurance companies with the most affordable liability coverage in Idaho Falls.

Cheapest full-coverage car insurance in Idaho Falls: Auto-Owners

Full-coverage car insurance provides extra protection and typically includes liability, collision, and comprehensive insurance. These extra coverages pay for damage to your vehicle from accidents and non-accident events, like theft, fires, and falling objects.

If you took out a loan or lease for your vehicle, your lender or lessor may require a full-coverage policy, which costs an average of $124 per month in Idaho Falls. The table below shows the cheapest auto insurers in the city for full-coverage insurance.

Car insurance requirements in Idaho

Idaho is an at-fault, or tort, state. This means the at-fault driver is responsible for any property damage or medical bills the drivers or passengers in another vehicle face after an accident. Make sure to carry your insurance card with you when you drive because if you don’t show proof of insurance, you can expect legal and financial consequences.

Here are Idaho’s car insurance minimum requirements:1

Idaho also requires insurers to provide uninsured motorist coverage at the same limits above unless the customer rejects the coverage in writing. While Idaho car insurance laws require bodily injury and property damage liability, you may purchase additional auto insurance coverage for peace of mind. These include:

Idaho’s Motor Vehicle Self-Insurance Program

Cheapest car insurance for drivers with an incident

If your driving record contains traffic violations like at-fault accidents, speeding tickets, and DUIs, your car insurance will likely cost more than someone with a clean driving record. Car insurance companies consider you a high-risk driver who’s more likely to file a claim if you have a history of incidents. Insurers save the lowest rates for Idaho Falls drivers with clean records.

Here’s an overview of the insurance companies with the lowest average car insurance quotes in Idaho Falls based on driving history.

Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Speeding makes it difficult for drivers to react and avoid accidents. And drivers in Idaho Falls typically pay a ticket of $90 (for 1–15 miles per hour over the speed limit) to $155 (for 16+ miles per hour over the speed limit).3 They also pay more expensive car insurance rates — an average of $127 per month.

Here are the cheapest car insurance companies for drivers in Idaho Falls with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

Idaho reported more than 27,500 car accidents in 2021.4 If you cause an accident in Idaho Falls, your car insurance premiums will likely increase, as insurers believe you’re at risk for filing more car insurance claims in the future. Your car insurance rate increase depends on the severity of the accident, but the average rate in Idaho Falls is $125 per month after an at-fault accident.

The table below shows the insurers with the lowest average car insurance quotes for drivers with an at-fault accident on their records in Idaho Falls.

Cheapest car insurance for drivers with a DUI: Auto-Owners

Idaho reported 1,729 impaired driving crashes in 2021.4 A DUI is a serious offense in the state and results in fines, jail time, and higher car insurance costs. The state might require you to file SR-22 insurance as well, which can keep your rates elevated for years. After a DUI conviction, Idaho Falls drivers pay an average of $153 per month for car insurance.

Here are the cheapest car insurance companies for drivers with a DUI in Idaho Falls.

Cheapest car insurance for seniors: Auto-Owners

Senior drivers have higher car accident mortality rates than younger drivers due to physical and mental limitations.5 In general, car insurance premiums decrease around age 35 and increase a bit around age 70. However, seniors usually have much lower average premiums than teens and young drivers. They pay an average of $74 per month for car insurance in Idaho Falls.

Here are the cheapest auto insurers for senior drivers in the city.

Cheapest car insurance for teens: Auto-Owners

Teenagers have less driving experience than older drivers. This is why they typically pay more for a car insurance policy — an average of $234 per month in Idaho Falls. Fortunately, they can save money and enjoy better rates if they stay on their parents’ policies or secure a good student discount.

Here are the cheapest car insurance companies for teens and young adults in Idaho Falls.

Idaho Falls car insurance quotes by credit tier

Idaho allows car insurance companies to factor in your credit history when they underwrite your policy and determine your premium, but it can’t be the only factor companies use.6

Insurers offer drivers with good or excellent credit cheaper coverage because they believe they’re less likely to file a claim than drivers with poor credit.

Here’s an overview of average premiums for Idaho Falls drivers with different credit scores.

Is car insurance more expensive in Idaho Falls?

No, car insurance isn’t more expensive in Idaho Falls compared to the rest of the country. The average cost of car insurance in the U.S. is $103 per month for liability coverage and $182 per month for full coverage. However, Idaho Falls residents enjoy cheaper average rates than the national average. 

Keep in mind that a variety of factors — like population, crime rates, and the number of uninsured drivers — cause auto insurance rates to vary by city and ZIP code in Idaho.

More cities in Idaho

Here’s a look at the average quotes for car insurance in Idaho Falls compared to other cities in Idaho.

Idaho Falls car insurance FAQs