Cheapest Auto Insurance in Twin Falls, Idaho (2025)

Drivers in Twin Falls pay an average monthly auto insurance premium of $90 per month. This rate is higher than the Idaho state average of $85 but lower than the national average of $143. Idaho’s generally low insurance premiums could be the result of a number of factors, including the state’s low population density compared to most others.

Your Idaho car insurance rate may look different depending on a variety of personal factors. Comparing car insurance quotes from multiple companies is the best place to start. Here’s what you need to know in order to find the best rates in Twin Falls.

3 of the cheapest car insurance companies in Twin Falls

Twin Falls drivers have no shortage of affordable and robust auto insurance options. But a few companies stand out as having some of the best car insurance policies, thanks to their affordable rates, variety of coverage options, and more.

Keep in mind that while these insurance companies offer some of the best prices for most drivers, they won’t necessarily be the best policy for you. The best and cheapest coverage for you depends on your unique situation and needs.

Best insurer for cheap coverage: Safeco

Best insurer for coverage options: Liberty Mutual

Best insurer for high-risk drivers: National General

How to get the cheapest car insurance in Twin Falls

When you’re shopping for new car insurance, you’re probably looking to get the best deal. While your car insurance premiums are based on a variety of personal factors, some of which you have no control over, you can take a few steps to save money:1

• Get multiple quotes. The best thing you can do to find the cheapest auto insurance coverage is to shop around and get multiple quotes. The cheapest insurer won’t be the same for everyone, so comparing quotes allows you to find the cheapest for you.

• Ask about discounts. Most insurance companies offer a lineup of discounts that drivers can use to save money on their premiums. Popular discounts are available for safe driving, being a good student, paying your premiums up front, and more.

• Bundle your policies. You can save money on your premiums by bundling your auto insurance policy with your home insurance, renters insurance, or even life insurance policy or by insuring all your vehicles on the same policy.

• Rethink your coverages. The more coverage types you have and the higher your coverage limits, the higher your premiums will be. While it’s important not to set your coverage limits too low, you can find a good middle ground to help you save.

• Increase your deductible. The higher your deductible — the amount you pay out of pocket for a claim — the lower your premiums. If your premiums are too high, you can save by increasing your deductible.

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

Liability insurance is the cheapest type of coverage you can buy. This type of auto policy pays for bodily injury and property damage that other drivers sustain when you’re responsible for a car accident. However, it doesn’t provide any protection for your vehicle.

Liability-only car insurance in Twin Falls, Idaho, costs an average of $65 per month. The table below breaks down the average prices from some top insurers.

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

Full-coverage insurance offers more protection than liability-only coverage. In addition to paying for damages and injuries you cause to others, it also pays for damage to your own vehicle. While there’s no set definition of full coverage, it typically includes collision, comprehensive, and uninsured motorist coverage.

If you have a newer vehicle or wouldn’t be able to replace yours out of pocket after an accident, then it’s probably a good idea to have full coverage. Additionally, most lenders require full coverage if you have a loan or lease on your vehicle.

Full-coverage car insurance in Twin Falls costs an average of $114 per month. Explore the table below to see average full-coverage rates from some top insurers.

Car insurance requirements in Idaho

Idaho law requires all drivers to carry both bodily injury and property damage liability coverage. If you’re responsible for an accident, these coverages will pay for medical bills for anyone else’s injuries and repairs to other people’s personal property.

Idaho also requires all insurance companies to offer uninsured and underinsured motorist coverage with each policy in an amount equal to the bodily injury and property damage liability coverage limits. You don’t have to accept this coverage but must decline it in writing if you don’t want it.2

In addition to the required coverages in Idaho, drivers can also choose from a variety of optional coverages, including:

Cheapest car insurance for drivers with an incident

Drivers with clean records typically pay the cheapest price for auto insurance. Any driving incident — including a speeding ticket, at-fault accident, DUI, or any other moving violation — can cause your rates to increase.3

Insurance premiums are based on risk. Anything that shows your insurance company you’re at increased risk of filing an insurance claim is likely to increase your premiums. The more serious the violation, the steeper the price increase.

The table below shows how your insurance rates can increase depending on which driving violations you have on your record.

Average cost of car insurance by age

Your age is another key factor that can affect your auto insurance rates. Teen drivers pay the highest premiums because of their lack of experience. They’re more likely to engage in risky driving habits, such as speeding or distracted driving.4

As drivers age, their insurance premiums decrease, often reaching their lowest levels around their 60s. But once someone reaches their 70s, their premiums may start to rise again. Cognitive and physical impairments may increase a senior driver’s likelihood of being in an accident, even if they generally make safe decisions.5

See the table below to learn more about how age affects premiums and to see the average insurance quote for Twin Falls drivers in each age group.

Twin Falls car insurance quotes by credit tier

Good credit can help you land a lower insurance premium. Meanwhile, if you have poor credit, you may be more likely to pay higher premiums.

Insurers look at credit history as another indicator of risk. Drivers with poor credit may be more likely to file claims, so insurers charge higher premiums to compensate for that.6 As a result, improving your credit can be an effective way to lower your insurance premiums.

The chart below shows how your credit can affect your insurance rates based on your credit profile.

Twin Falls car insurance FAQs