Cheapest Auto Insurance in Pocatello, Idaho (2025)
Pocatello drivers can find the cheapest car insurance rates from Auto-Owners. The insurer’s liability rates start at just $32 per month.
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Drivers in Pocatello pay an overall average of $83 per month for car insurance, slightly higher than the Idaho state average of $82 but cheaper than the national average of $140 per month.
Pocatello is the sixth-largest city in Idaho, contributing to its higher-than-average rates.1 If you’re looking for cheaper rates, it’s a good idea to compare car insurance quotes from multiple insurers.
Here’s what you need to know about cheap car insurance in Pocatello.
Quick Facts
Auto-Owners, State Farm, and USAA are the cheapest car insurance companies for Pocatello drivers.
Unless you own more than 25 vehicles, you must carry liability car insurance in Idaho.2
Insurers in Idaho can consider your credit history when determining your rates.
Cheapest car insurance companies in Pocatello
Fortunately, a variety of reputable car insurance companies serve drivers in the Pocatello, Idaho, community. Factors like your location, marital status, and driving record all play a role in which car insurance agencies can provide you with the cheapest auto insurance coverage. Liberty Mutual, Safeco, and Progressive are three options you might want to consider.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for safe drivers: Liberty Mutual
Best insurer for personalized service: Safeco
Best insurer for student drivers: Progressive
How to get the cheapest car insurance in Pocatello
No matter your driving history, you have ways to find cheap car insurance in Pocatello. Here are some tips to help you secure affordable coverage:
Shop around. You should get quotes from at least three different car insurance companies. Then, compare rates, coverage levels, and customer satisfaction reviews to figure out the right coverage for your needs.
Look for discounts. Most car insurance companies offer a plethora of discounts for policyholders who meet certain criteria, such as the autopay discount, anti-theft device discount, homeowners insurance discount, and loyalty discount. You can visit an insurance company’s website or consult a car insurance agent to learn about which discounts are available.
Bundle policies. If you purchase your auto insurance from the same company as your home insurance, renters insurance, health insurance, or life insurance, you may be able to land a great deal on your auto policy.
Consider usage-based insurance plans. If you only drive on occasion because you’re retired or work from home, for example, you can lower your car insurance costs with a pay-per-mile policy. You’ll only pay for the miles you drive.
Drive safely. Incidents like speeding, at-fault accidents, and DUIs can lead to higher car insurance premiums. Practice safe driving habits to maintain a clean record and cheaper rates.
Cheapest liability-only car insurance in Pocatello: Auto-Owners
Idaho law requires liability car insurance to drive in Pocatello. It pays for the other party’s property damage and medical bills after an at-fault accident. It’s typically the cheapest type of auto insurance available.
Auto-Owners offers the most affordable liability-only policies in Pocatello, at $32 per month.
This table shows car insurance companies with the cheapest rates for liability coverage in Pocatello.
Cheapest full-coverage car insurance in Pocatello: Auto-Owners
Full-coverage car insurance usually includes liability, collision, and comprehensive coverage. It can provide you with extra protection and might be mandatory if you have a loan or lease on your vehicle.
Pocatello residents can find the cheapest full-coverage insurance with Auto-Owners, with rates of $47 per month.
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 driver who caused the accident is responsible for any property damage or medical bills the drivers or passengers in another vehicle face. Be sure to carry your car insurance card when you drive so you can show proof of insurance. Otherwise, you might be on the hook for hefty fees and other consequences.
Here are the minimum car insurance requirements in Idaho:4
Idaho requires car insurance companies to offer uninsured motorist coverage at the same limits above unless the driver rejects the coverage in writing.
While Idaho car insurance laws require bodily injury and property damage liability, you may invest in optional auto insurance coverage for extra protection and peace of mind. These additional insurance products include:
Cheapest car insurance for drivers with an incident
Incidents such as at-fault accidents, speeding tickets, and DUIs on your driving record can lead to higher car insurance rates. This is because car insurance companies will perceive you as a high-risk driver who’s more likely to file a claim. Pocatello drivers with clean records typically secure the lowest rates.
Here’s an overview of the insurance companies with the cheapest average car insurance quotes in Pocatello, based on driving history.
Average cost of car insurance by age
Your age can have a significant effect on your car insurance rates. Teen drivers and young adults typically pay the highest car insurance rates due to their lack of experience behind the wheel.
Average premiums typically decrease around age 35 and increase again around age 70. This is due to physical and mental limitations senior drivers usually experience, such as poor vision and slower reflexes.
The table below shows the cheapest car insurance quotes for Pocatello residents by age.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Pocatello car insurance quotes by credit tier
Unlike some states, Idaho allows auto insurance companies to consider your credit history when they underwrite your policy and determine your premium — but it can’t be the only factor they consider.5
Drivers with good or excellent credit typically pay less than drivers with poor credit. Here’s a look at average premiums for Pocatello drivers with various credit scores.
Pocatello car insurance FAQs
Finding the right car insurance can be a challenge. Below are answers to some of the most commonly asked questions about car insurance in Pocatello.
How much is car insurance in Pocatello?
The average cost of car insurance in Pocatello is $83 per month. Pocatello drivers pay $60 per month for liability coverage and $106 for full-coverage car insurance, on average. Your exact car insurance premium will depend on your driving record, age, credit history, and other factors.
Which company has the cheapest car insurance in Pocatello?
Auto-Owners offers the cheapest liability car insurance in Pocatello, at $32 per month. State Farm is the second-cheapest insurer in the city, with a rate of $34. The third-cheapest insurer, USAA, has a liability-only rate of $47 per month.
Comparing quotes from multiple insurance companies is the best way to find the cheapest car insurance for your coverage needs.
What are the best car insurance companies in Pocatello?
Progressive is the best car insurance company in Pocatello, with an Insurify Quality (IQ) Score of 3.9 out of 5, an AM Best financial strength rating of A+ (Superior), and high customer satisfaction ratings. Other top insurers include Liberty Mutual and Safeco.
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