Cheapest Car Insurance In Idaho For 2024
American National is famous for its reliable and competitively priced minimum car insurance coverage in Idaho, at a rate of $20 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Affordable car insurance in Idaho might feel challenging to locate, but it doesn’t need to be a struggle. American National, a well-known insurer, offers competitive rates and flexible coverage options to fit your needs, whether you’re looking for basic or comprehensive plans. With the rising cost of living, securing quality insurance at a good price is crucial.
Whether you’re a new driver, a daily commuter, or a family aiming to save, understanding what influences rates and knowing where to get the best deals can be life-changing. After years of researching the insurance market, I’ve put together this guide to simplify the process for you.
Cheapest Car Insurance Companies In Idaho
Our Methodology
In my study, I utilized a structured approach to gather and analyze information about different car insurance providers and their policies. Initially, I identified key factors for evaluation, such as coverage options, pricing, customer satisfaction, and financial stability. Then, I collected data from reliable sources like insurance company websites, consumer reviews, and industry reports. Once gathered, I categorized the data and evaluated each insurer based on specific criteria. This included comparing coverage options, premium rates, discounts offered, and customer feedback to determine the strengths and weaknesses of each provider.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Cheapest Car Insurance In Idaho For Young Drivers
Idaho’s young adult drivers generally pay lower car insurance premiums than teenagers. This is because they often develop safer driving habits with age, leading to fewer accidents and claims. Insurers consider these factors, offering young adults reduced premiums for their improved safety.
Cheapest Idaho Car Insurance For 16-Year-Olds
Farm Bureau offers the most cost-effective plans for sixteen-year-olds, averaging $232 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $342 | $4,102 |
| Auto-Owners | $364 | $4,368 |
| Travelers | $413 | $4,949 |
| Farm Bureau | $232 | $2,777 |
| Geico | $286 | $3,429 |
Cheapest Idaho Car Insurance For 17-Year-Olds
State Farm provides the most affordable insurance premiums for seventeen-year-olds, averaging around $152.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $234 | $2,806 |
| Geico | $236 | $2,830 |
| American Family | $257 | $3,082 |
| State Farm | $152 | $1,820 |
| Auto-Owners | $177 | $2,122 |
Cheapest Idaho Car Insurance For 18-Year-Olds
At $142 per month, State Farm offers the most competitive insurance rates for 18-year-olds.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farm Bureau | $170 | $2,038 |
| State Farm | $142 | $1,702 |
| Travelers | $227 | $2,722 |
| Auto-Owners | $162 | $1,942 |
| GEICO | $185 | $2,218 |
Cheapest Idaho Car Insurance For 21-Year-Olds
21-year-olds can find affordable insurance at State Farm, where the average premium is $100 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $100 | $1,198 |
| USAA | $123 | $1,474 |
| Auto-Owners | $115 | $1,378 |
| Geico | $105 | $1,258 |
| Travelers | $120 | $1,438 |
Cheapest Car Insurance In Idaho For Drivers With Poor Credit
Idaho Farm Bureau stands out in Idaho by offering the most competitive insurance rates to drivers with poor credit, averaging $88 monthly.
| Provider | Average Monthly Cost | Average Annual Cost |
|
Idaho Farm Bureau |
$88 |
$1,054 |
|
Allstate |
$124 |
$1,486 |
|
State Farm |
$134 |
$1,606 |
|
Nationwide |
$104 |
$1,246 |
|
American Family |
$92 |
$1,102 |
Your credit score plays a vital role in determining how much you pay for car insurance in Idaho. Lower scores typically result in higher premiums because insurance companies use credit history to assess risk. Drivers with poor credit are often seen as more likely to file claims. Despite this, they can still reduce insurance costs by comparing quotes and exploring discount options.
Cheapest Car Insurance In Idaho For Good Drivers
For safe drivers in Idaho, State Farm offers insurance at an average of $60 per month, the most economical choice available.
| Provider | Average Monthly Cost | Average Annual Cost |
|
State Farm |
$60 |
$718 |
|
Farm Bureau |
$82 |
$982 |
|
Dairyland |
$173 |
$2,074 |
|
Nationwide |
$102 |
$1,218 |
|
Allstate |
$100 |
$1,198 |
In Idaho, safe drivers’ car insurance costs can vary depending on their driving history, age, and preferred coverage. Typically, individuals with clean driving records may qualify for lower premiums as insurers see them as lower-risk clients. They may also be eligible for discounts for maintaining a good driving record. Safe drivers should compare quotes from multiple insurers to find competitive rates and coverage options that suit their preferences.
Cheapest Car Insurance In Idaho For Full Coverage
State Farm’s full coverage car insurance is the most economical option for Idaho residents, with typical monthly premiums starting at $60.
| Provider | Average Monthly Cost | Average Annual Cost |
|
State Farm |
$60 |
$718 |
|
Farm Bureau |
$82 |
$982 |
|
Dairyland |
$173 |
$2,074 |
|
Nationwide |
$102 |
$1,218 |
|
Allstate |
$100 |
$1,198 |
Idaho drivers have the option of selecting full coverage car insurance, which surpasses the state’s required liability insurance. This comprehensive option includes collision coverage for accident-related repairs and comprehensive coverage for events like theft or fire. Opting for full coverage provides financial security and peace of mind, ensuring readiness for various risks. Reviewing policy details, including coverage limits and deductibles, is important to ensure it meets specific needs.
Cheapest Car Insurance In Idaho For Drivers With Prior Incidents
Finding affordable car insurance can be a challenge for Idaho drivers with a history of accidents, speeding tickets, or DUIs. Insurers view them as high-risk clients, resulting in higher premiums to offset potential claims. This issue is particularly acute in Idaho due to its high incidence of traffic accidents. Insurers use statistical analyses to shape their pricing strategies, linking past driving incidents with an increased probability of future claims.
Cheapest Auto Insurance In Idaho With A Speeding Ticket
Choose State Farm for affordable rates even with speeding tickets; their average premium is only $62.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $190 | $2,278 |
| GEICO | $140 | $1,678 |
| State Farm | $62 | $742 |
| Travelers | $135 | $1,618 |
| Farm Bureau | $88 | $1,054 |
Cheapest Car Insurance In Idaho After An At-Fault Accident
State Farm is known for its cost-effectiveness among drivers with speeding tickets, with premiums averaging just $65.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $188 | $2,254 |
| Auto-Owners | $118 | $1,414 |
| Travelers | $162 | $1,942 |
| State Farm | $65 | $778 |
| Allstate | $264 | $3,166 |
Cheapest Car Insurance In Idaho For Drivers After A DUI
For drivers dealing with DUI charges, Travelers offers the most wallet-friendly option, averaging $162 in premiums.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $242 | $2,902 |
| Auto-Owners | $188 | $2,254 |
| Allstate | $228 | $2,734 |
| Travelers | $162 | $1,942 |
| GEICO | $330 | $3,958 |
Cheapest Car Insurance In Idaho For Seniors
State Farm ensures Idaho seniors have an affordable choice, with an average monthly expense of $48.
| Provider | Average Monthly Cost | Average Annual Cost |
|
Farmers |
$64 |
$766 |
|
GEICO |
$70 |
$838 |
|
State Farm |
$48 |
$574 |
|
Auto-Owners |
$52 |
$622 |
|
Allstate |
$75 |
$898 |
Older drivers may be eligible for reduced car insurance premiums, as they are often considered more cautious and experienced on the road. Since many seniors drive fewer miles, their accident risk is lower. Some insurers offer senior discounts based on age and careful driving, with extra discounts for completing defensive driving courses focused on safety.
Cheapest Car Insurance In Idaho For Minimum Coverage
American National’s minimum car insurance rates in Idaho are among the best, averaging just $20 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National |
$20 |
$238 |
|
Farm Bureau |
$30 |
$358 |
|
Auto-Owners |
$32 |
$382 |
|
Allstate |
$69 |
$826 |
|
Dairyland |
$60 |
$718 |
To legally operate a vehicle in Idaho, drivers must possess minimum car insurance, which usually includes liability coverage for bodily injury and property damage. Bodily injury liability covers medical expenses and legal fees if you cause an accident that injures others, while property damage liability pays for repairs or replacements to others’ property or vehicles you damage. State laws specify these minimum coverage amounts, which may vary depending on your driving history or vehicle type. Understanding these regulations is important for maintaining adequate financial protection.
Average Cost Of Auto Insurance In Idaho – By Age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $535 | $6,415 |
| 17 | $432 | $5,183 |
| 18 | $387 | $4,639 |
| 19 | $297 | $3,556 |
| 21 | $219 | $2,630 |
| 25 | $155 | $1,853 |
| 35 | $134 | $1,608 |
| 45 | $125 | $1,501 |
| 55 | $115 | $1,376 |
| 65 | $120 | $1,438 |
| 75 | $141 | $1,690 |
Average Cost Of Car Insurance In Idaho – By Gender & Marital Status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $852 |
| Male | Single | $900 |
| Female | Married | $800 |
| Male | Married | $864 |
Average Cost Of Auto Insurance In Idaho – By Credit Tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $72 | $862 |
| Good | $74 | $886 |
| Poor | $120 | $1,438 |
Cheapest Car Insurance In Idaho By City
| City | Average Monthly Cost | Average Annual Cost |
| Twin Falls | $106 | $1,270 |
| Pocatello | $63 | $756 |
| Rexburg | $111 | $1,330 |
| Boise City | $98 | $1,174 |
| Caldwell | $63 | $756 |
Minimum Car Insurance Requirement In Idaho
In Idaho, it’s mandatory for drivers to have minimum car insurance, including liability coverage for bodily injury and property damage at 25/50/15: $25,000 per injured person, $50,000 per accident, and $15,000 for property damage. Uninsured/underinsured coverage at $25,000 per person and $50,000 per accident is also required. Personal Injury Protection (PIP) covers medical bills and wages, or eligible drivers can select Health Insurance Primary (HIP) to use health insurance for medical expenses.
Car Insurance Discounts In Idaho
Taking advantage of car insurance discounts could save you money, and your agent may know of more. Here are some frequently available discounts:
- Safe Driver Discount: For a clean driving history.
- Multi-Vehicle Discount: Insure more than one car under the same policy to save.
- Bundling Discount: Combining policies like auto and home insurance can reduce costs.
- Good Student Discount: Good grades can earn student drivers lower rates.
- Defensive Driving Discount: A defensive driving course may reduce your premium.
FAQs
How much is car insurance a month in Idaho?
Car insurance premiums in Idaho may vary each month, depending on factors like age, driving record, and selected coverage.
What is the minimum car insurance one must have in Idaho?
Idaho requires drivers to maintain car insurance covering liability for bodily injury and property damage.
Which insurance is better in Idaho?
Choosing the right insurance in Idaho is a personal decision that depends on your driving habits and coverage needs. Comparing quotes from different companies can help you find the best match.
Related Content
How Much Is Car Insurance For 32 Year Old? How To Add A Driver To Your Car Insurance How Much Is Car Insurance For A 70 Year Old?
Find A Policy
Subaru Crosstrek Insurance Cost Subaru Forester Insurance Cost Subaru Impreza Insurance Cost
Auto Insurance In Your Area
Car Insurance Kansas City Car Insurance Hawaii SR-22 insurance Washington
