The Best and Cheapest Car Insurance Quotes in Idaho in 2026
State Farm is the top choice car insurance in Idaho, at $85 per month for full coverage and $26 per month for liability coverage.
Find Cheap Car Insurance Quotes in Idaho
Best picks for car insurance in Idaho
Data-powered research to help you choose the best Idaho car insurance
| Data-powered research on ID car insurance |
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What's the best choice for full coverage auto insurance in Idaho?
State Farm is the clear winner for a full coverage policy in Idaho.
Full coverage from State Farm costs $85 per month. That's $42 less per month than the state average.
Idaho drivers should also compare quotes from Geico, American Family or Farm Bureau.
Insurance companies each calculate rates differently, based on factors like your age, credit score and ZIP code. So any of these companies could potentially be the best choice for you.
Find Cheap Car Insurance Quotes in Idaho
Best cheap full coverage auto insurance in Idaho
Company | Rating | Monthly rate |
|---|---|---|
| State Farm | 4.5/5 | $85 |
| Geico | 3/5 | $114 |
| American Family | 3.5/5 | $123 |
| Farm Bureau | 4.5/5 | $126 |
| Auto-Owners | 4/5 | $135 |
The best companies all earned an editor's rating of 3 out of 5 or higher, indicating that a company is "better than average." ValuePenguin editors score car insurance companies based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Idaho
- Coverage availability and optional add-ons
- The insurance team's 50+ years of industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
What's the best option for liability-only auto insurance in Idaho?
State Farm is the top choice for liability-only car insurance in Idaho. A minimum liability policy from State Farm costs $26 per month. That's around half the state average of $48 per month.
Cheapest car insurance rates in Idaho
Company | Rating | Monthly rate |
|---|---|---|
| State Farm | 4.5/5 | $26 |
| Geico | 3/5 | $34 |
| Farm Bureau | 4.5/5 | $38 |
| American Family | 3.5/5 | $39 |
| Auto-Owners | 4/5 | $40 |
Find Cheap Car Insurance Quotes in Idaho
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According to State Farm, Idaho drivers have a higher-than-average chance of hitting an animal. This could include deer, elk, moose and even bears.
If you just buy state minimum coverage, your insurance won't pay to fix the damage to your car. You have to get comprehensive coverage for animal hits to be covered.You can get comprehensive coverage with or without collision. If you get them both, your policy is called "full coverage." Adding collision gives you coverage for damage that you cause in an accident with another car or an object, such as a tree.
What's the best option for teen car insurance in Idaho?
Farm Bureau and State Farm are the top picks for teen drivers in Idaho.
- Minimum liability insurance from Farm Bureau costs $85 per month for a teen driver. State Farm’s rate is also cheap, just $4 per month more than Farm Bureau. Both companies also have great customer service.
- State Farm offers the best full coverage rates for teen drivers. At $262 per month, full coverage from State Farm is $166 per month less than the state average.
Additionally, Idaho teens can benefit from State Farm's Steer Clear program, which can help you lower your rates by completing an online course and practicing with an older driver.
Best cheap car insurance in Idaho for teens
Minimum liability coverage
Full coverage
Company | Rating | Monthly rate |
|---|---|---|
| Farm Bureau | 4.5/5 | $85 |
| State Farm | 4.5/5 | $89 |
| Auto-Owners | 4/5 | $124 |
| Geico | 3/5 | $132 |
| Travelers | 3.5/5 | $151 |
On average, young drivers in Idaho pay $157 per month for minimum liability car insurance. That's more than three times as much as a 30-year-old driver pays. Younger drivers pay much more for car insurance because insurance companies believe they're more likely to be in a crash or make a claim.
The best way for young drivers in Idaho to save money on their car insurance is by sharing a policy with their parents. Many companies also have discounts geared toward teen drivers, such as the good student discount.
What's the top choice for insurance in Idaho after a speeding ticket?
State Farm is a standout option for drivers in Idaho if you have a recent speeding ticket. A full coverage policy from State Farm costs around $92 per month after a single ticket. That's half the Idaho state average, and $34 per month less than the second-cheapest option, Farm Bureau.
Best auto insurance in Idaho after a speeding ticket
Company | Rating | Monthly rate |
|---|---|---|
| State Farm | 4.5/5 | $92 |
| Farm Bureau | 4.5/5 | $126 |
| Auto-Owners | 4/5 | $135 |
| American Family | 3.5/5 | $147 |
| Geico | 3/5 | $148 |
Speeding tickets raise your rate by an average of almost 25% in Idaho. That's an average increase of $36 per month for a full coverage policy.
What's the best option for car insurance after an accident in ID?
State Farm is the smartest choice for Idaho drivers with an accident on their record. State Farm charges $99 per month for full coverage, which is the cheapest option by far. It's $135 per month less than the state average and $66 less than the next-cheapest company, Farm Bureau.
Affordable car insurance in Idaho after an accident
Company | Rating | Monthly rate |
|---|---|---|
| State Farm | 4.5/5 | $99 |
| Farm Bureau | 4.5/5 | $165 |
| Travelers | 3.5/5 | $190 |
| Auto-Owners | 4/5 | $197 |
| Geico | 3/5 | $216 |
Average rates in Idaho go up by 58% after an at-fault accident. That means a single accident can cost you $86 more per month for full coverage.
You shouldn't switch car insurance companies right away after an accident. Your rates won't go up until your current policy renews, but they will if you start a new policy.
Instead, wait until you get your renewal offer in the mail or via email. Then, you should compare online quotes from multiple companies to find the best rate for you.
What's the top choice for insurance in ID for teens with a ticket or accident?
Farm Bureau and State Farm are the best fit for teens with a bad driving record in Idaho.
- Farm Bureau has the cheapest minimum liability insurance for teens with a speeding ticket, at $85 per month. That's $106 per month less than the Idaho average.
- State Farm has the most affordable rates after an accident, at around $107 per month for liability-only insurance. That's less than half the statewide average for these drivers.
Low-cost car insurance in Idaho for teens with a ticket or accident
Speeding ticket
Accident
Company | Rating | Monthly rate |
|---|---|---|
| Farm Bureau | 4.5/5 | $85 |
| State Farm | 4.5/5 | $97 |
| Auto-Owners | 4/5 | $144 |
| Geico | 3/5 | $154 |
| Travelers | 3.5/5 | $187 |
What's the most affordable company in Idaho after a DUI?
Travelers offers the best value for Idaho drivers with a DUI on their record. Full coverage from Travelers costs $195 per month, which is $92 per month cheaper than the average rate for drivers with a DUI. It's also $53 per month less than the second-cheapest option, Allstate.
Best auto insurance rates in Idaho after a DUI
Company | Rating | Monthly rate |
|---|---|---|
| Travelers | 3.5/5 | $195 |
| Allstate | 2.5/5 | $248 |
| American Family | 3.5/5 | $251 |
| State Farm | 4.5/5 | $276 |
| Farm Bureau | 4.5/5 | $278 |
Driving under the influence (DUI) raises rates more than any other driving incident. In Idaho, drivers with a DUI pay nearly twice as much for full coverage insurance as drivers with a clean record.
What's the top pick for insurance in Idaho for drivers with poor credit?
Geico is the most affordable option for drivers with bad credit in Idaho, but State Farm offers the best value.
Full coverage from Geico costs around $164 per month, which is $56 per month cheaper than the state average.
But State Farm is only about $5 per month more expensive, and it earned a much higher score on J.D. Power's claims satisfaction survey. It might be worth paying a little extra for the peace of mind that you'll be well taken care of after a crash.
Cheap insurance quotes in Idaho for drivers with poor credit
Company | Rating | Monthly rate |
|---|---|---|
| Geico | 3/5 | $164 |
| State Farm | 4.5/5 | $169 |
| American Family | 3.5/5 | $189 |
| Farm Bureau | 4.5/5 | $192 |
| Auto-Owners | 4/5 | $207 |
In Idaho, drivers with bad credit pay an average of $71 per month more for full coverage than drivers with good credit.
This is a smaller rate hike than in many other states, in part because Idaho law limits the amount insurance companies can raise your rates just because of your credit score.
Who has the best car insurance in Idaho?
State Farm is the best insurance company in Idaho.
That's because State Farm has excellent customer service, useful coverage options and affordable quotes.
Farm Bureau also has great customer service scores and cheaper-than-average rates.
Company |
Rating
|
Claims experience
|
Customer complaints
|
|---|---|---|---|
| State Farm | 4.5/5 | Good | Low |
| Farm Bureau | 4.5/5 | NR | Very low |
| Auto-Owners | 4/5 | Good | Low |
| Mutual of Enumclaw | 4/5 | NR | Low |
| American Family | 3.5/5 | Average | Low |
| Travelers | 3.5/5 | Average | Low |
| Geico | 3/5 | Average | Low |
| Allstate | 2.5/5 | Average | Average |
All of the companies we included have an "A" financial strength rating or better from AM Best. That means these companies shouldn't have an issue paying out claims, even in difficult financial situations such as a major natural disaster.
Car insurance quotes in Idaho by city
Mountain Home, the largest city in Elmore County, has the cheapest car insurance rates in Idaho.
Drivers in Mountain Home pay an average of $134 per month for full coverage insurance.
Kootenai, a small city nestled by three national forests, has the most expensive rates in Idaho, at $163 per month. This could be partially because of the high vehicle theft rates in Bonner County.
Average car insurance rates in Idaho by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Aberdeen | $153 | State Farm | $87 |
| Ahsahka | $158 | State Farm | $86 |
| Albion | $149 | State Farm | $85 |
| Almo | $147 | State Farm | $83 |
| American Falls | $148 | State Farm | $77 |
| Ammon | $158 | State Farm | $91 |
| Arbon | $151 | State Farm | $85 |
| Arbon Valley | $151 | State Farm | $84 |
| Arco | $154 | State Farm | $86 |
| Arimo | $154 | State Farm | $88 |
| Ashton | $152 | State Farm | $89 |
| Athol | $156 | State Farm | $85 |
| Atomic City | $160 | State Farm | $93 |
| Avery | $150 | State Farm | $86 |
| Bancroft | $150 | State Farm | $85 |
| Banks | $145 | State Farm | $79 |
| Basalt | $159 | State Farm | $93 |
| Bayview | $157 | State Farm | $86 |
| Bellevue | $144 | State Farm | $84 |
| Bern | $149 | State Farm | $85 |
| Blackfoot | $160 | State Farm | $94 |
| Blanchard | $153 | State Farm | $87 |
| Bliss | $141 | State Farm | $74 |
| Bloomington | $149 | State Farm | $85 |
| Boise City | $143 | State Farm | $81 |
| Bonners Ferry | $157 | State Farm | $83 |
| Bovill | $146 | State Farm | $78 |
| Bruneau | $149 | State Farm | $79 |
| Buhl | $144 | State Farm | $75 |
| Burley | $149 | State Farm | $83 |
| Calder | $151 | State Farm | $83 |
| Caldwell | $157 | State Farm | $94 |
| Cambridge | $147 | State Farm | $80 |
| Carey | $145 | State Farm | $84 |
| Careywood | $158 | State Farm | $90 |
| Carmen | $159 | State Farm | $93 |
| Cascade | $144 | State Farm | $76 |
| Castleford | $144 | State Farm | $75 |
| Cataldo | $152 | State Farm | $83 |
| Challis | $151 | State Farm | $93 |
| Chester | $150 | State Farm | $89 |
| Chubbuck | $153 | State Farm | $86 |
| Clark Fork | $156 | State Farm | $87 |
| Clarkia | $153 | State Farm | $86 |
| Clayton | $149 | State Farm | $89 |
| Clifton | $152 | State Farm | $89 |
| Cobalt | $157 | State Farm | $89 |
| Cocolalla | $158 | State Farm | $91 |
| Coeur d'Alene | $152 | State Farm | $85 |
| Colburn | $162 | State Farm | $86 |
| Conda | $153 | State Farm | $85 |
| Coolin | $156 | State Farm | $90 |
| Corral | $145 | State Farm | $79 |
| Cottonwood | $154 | State Farm | $85 |
| Council | $147 | State Farm | $77 |
| Craigmont | $158 | State Farm | $85 |
| Culdesac | $151 | State Farm | $79 |
| Dalton Gardens | $151 | State Farm | $85 |
| Dayton | $153 | State Farm | $85 |
| Deary | $146 | State Farm | $80 |
| Declo | $148 | State Farm | $83 |
| Desmet | $152 | State Farm | $86 |
| Dietrich | $149 | State Farm | $82 |
| Dingle | $155 | State Farm | $85 |
| Donnelly | $144 | State Farm | $79 |
| Dover | $156 | State Farm | $88 |
| Downey | $154 | State Farm | $90 |
| Driggs | $154 | State Farm | $88 |
| Dubois | $151 | State Farm | $88 |
| Eagle | $147 | State Farm | $89 |
| Eastport | $157 | State Farm | $86 |
| Eden | $145 | State Farm | $82 |
| Elk City | $153 | State Farm | $88 |
| Elk River | $152 | State Farm | $86 |
| Ellis | $151 | State Farm | $89 |
| Emmett | $144 | State Farm | $82 |
| Fairfield | $145 | State Farm | $81 |
| Felt | $155 | State Farm | $89 |
| Fenn | $155 | State Farm | $86 |
| Ferdinand | $158 | State Farm | $86 |
| Fernwood | $153 | State Farm | $86 |
| Filer | $149 | State Farm | $81 |
| Firth | $160 | State Farm | $94 |
| Fish Haven | $150 | State Farm | $85 |
| Fort Hall | $156 | State Farm | $89 |
| Franklin | $154 | State Farm | $88 |
| Fruitland | $142 | State Farm | $80 |
| Garden City | $145 | State Farm | $83 |
| Garden Valley | $145 | State Farm | $83 |
| Genesee | $145 | State Farm | $77 |
| Geneva | $152 | State Farm | $85 |
| Georgetown | $150 | State Farm | $85 |
| Gibbonsville | $158 | State Farm | $89 |
| Glenns Ferry | $137 | State Farm | $78 |
| Gooding | $142 | State Farm | $75 |
| Grace | $150 | State Farm | $88 |
| Grand View | $149 | State Farm | $78 |
| Grangeville | $149 | State Farm | $80 |
| Greencreek | $152 | State Farm | $86 |
| Greenleaf | $153 | State Farm | $90 |
| Groveland | $160 | State Farm | $94 |
| Hagerman | $143 | State Farm | $75 |
| Hailey | $143 | State Farm | $84 |
| Hamer | $152 | State Farm | $89 |
| Hammett | $138 | State Farm | $79 |
| Hansen | $147 | State Farm | $83 |
| Harrison | $154 | State Farm | $84 |
| Harvard | $143 | State Farm | $78 |
| Hayden | $153 | State Farm | $85 |
| Hazelton | $144 | State Farm | $82 |
| Heyburn | $147 | State Farm | $82 |
| Hill City | $146 | State Farm | $79 |
| Holbrook | $152 | State Farm | $85 |
| Homedale | $152 | State Farm | $83 |
| Hope | $154 | State Farm | $87 |
| Horseshoe Bend | $146 | State Farm | $85 |
| Howe | $157 | State Farm | $89 |
| Idaho City | $147 | State Farm | $85 |
| Idaho Falls | $159 | State Farm | $94 |
| Indian Valley | $145 | State Farm | $79 |
| Inkom | $153 | State Farm | $93 |
| Iona | $159 | State Farm | $91 |
| Irwin | $154 | State Farm | $93 |
| Island Park | $153 | State Farm | $91 |
| Jerome | $145 | State Farm | $80 |
| Juliaetta | $148 | State Farm | $79 |
| Kamiah | $156 | State Farm | $90 |
| Kellogg | $151 | State Farm | $78 |
| Kendrick | $150 | State Farm | $80 |
| Ketchum | $142 | State Farm | $85 |
| Kimberly | $150 | State Farm | $83 |
| King Hill | $140 | State Farm | $79 |
| Kingston | $150 | State Farm | $80 |
| Kooskia | $154 | State Farm | $87 |
| Kootenai | $163 | State Farm | $86 |
| Kuna | $146 | State Farm | $85 |
| Laclede | $157 | State Farm | $86 |
| Lake Fork | $156 | State Farm | $79 |
| Lapwai | $148 | State Farm | $78 |
| Lava Hot Springs | $151 | State Farm | $87 |
| Leadore | $161 | State Farm | $93 |
| Lemhi | $159 | State Farm | $89 |
| Lenore | $153 | State Farm | $87 |
| Letha | $154 | State Farm | $79 |
| Lewiston | $146 | State Farm | $78 |
| Lewisville | $155 | State Farm | $89 |
| Lincoln | $158 | State Farm | $91 |
| Lowman | $145 | State Farm | $79 |
| Lucile | $151 | State Farm | $86 |
| Mackay | $149 | State Farm | $90 |
| Macks Inn | $153 | State Farm | $89 |
| Malad City | $151 | State Farm | $86 |
| Malta | $149 | State Farm | $85 |
| Marsing | $154 | State Farm | $86 |
| May | $158 | State Farm | $89 |
| McCall | $141 | State Farm | $75 |
| McCammon | $153 | State Farm | $91 |
| Medimont | $155 | State Farm | $86 |
| Melba | $150 | State Farm | $89 |
| Menan | $154 | State Farm | $89 |
| Meridian | $144 | State Farm | $84 |
| Mesa | $145 | State Farm | $79 |
| Middleton | $154 | State Farm | $93 |
| Midvale | $143 | State Farm | $82 |
| Monteview | $151 | State Farm | $89 |
| Montpelier | $149 | State Farm | $87 |
| Moore | $152 | State Farm | $87 |
| Moreland | $160 | State Farm | $95 |
| Moscow | $149 | State Farm | $78 |
| Mountain Home | $134 | State Farm | $76 |
| Mountain Home Air Force Base | $138 | State Farm | $74 |
| Moyie Springs | $158 | State Farm | $83 |
| Mullan | $149 | State Farm | $74 |
| Murphy | $151 | State Farm | $79 |
| Murray | $153 | State Farm | $86 |
| Murtaugh | $148 | State Farm | $84 |
| Nampa | $156 | State Farm | $91 |
| Naples | $157 | State Farm | $84 |
| New Meadows | $145 | State Farm | $77 |
| New Plymouth | $144 | State Farm | $83 |
| Newdale | $152 | State Farm | $89 |
| Nezperce | $157 | State Farm | $88 |
| Nordman | $156 | State Farm | $86 |
| North Fork | $158 | State Farm | $89 |
| Oakley | $146 | State Farm | $84 |
| Ola | $142 | State Farm | $79 |
| Oldtown | $156 | State Farm | $91 |
| Orofino | $159 | State Farm | $91 |
| Osburn | $150 | State Farm | $77 |
| Parker | $158 | State Farm | $89 |
| Parma | $145 | State Farm | $83 |
| Paul | $146 | State Farm | $83 |
| Payette | $141 | State Farm | $80 |
| Peck | $151 | State Farm | $78 |
| Picabo | $145 | State Farm | $89 |
| Pierce | $160 | State Farm | $91 |
| Pinehurst | $150 | State Farm | $81 |
| Pingree | $158 | State Farm | $91 |
| Placerville | $144 | State Farm | $79 |
| Plummer | $157 | State Farm | $91 |
| Pocatello | $155 | State Farm | $90 |
| Pollock | $155 | State Farm | $86 |
| Ponderay | $157 | State Farm | $88 |
| Porthill | $159 | State Farm | $86 |
| Post Falls | $153 | State Farm | $85 |
| Potlatch | $144 | State Farm | $81 |
| Preston | $152 | State Farm | $89 |
| Priest River | $157 | State Farm | $90 |
| Princeton | $144 | State Farm | $79 |
| Rathdrum | $157 | State Farm | $87 |
| Reubens | $154 | State Farm | $86 |
| Rexburg | $155 | State Farm | $87 |
| Richfield | $149 | State Farm | $83 |
| Rigby | $156 | State Farm | $89 |
| Riggins | $151 | State Farm | $88 |
| Ririe | $153 | State Farm | $89 |
| Riverside | $160 | State Farm | $95 |
| Roberts | $154 | State Farm | $92 |
| Robie Creek | $144 | State Farm | $92 |
| Rockland | $149 | State Farm | $78 |
| Rogerson | $146 | State Farm | $83 |
| Rupert | $147 | State Farm | $83 |
| Sagle | $157 | State Farm | $89 |
| Salmon | $159 | State Farm | $92 |
| Sandpoint | $156 | State Farm | $87 |
| Santa | $155 | State Farm | $89 |
| Shelley | $160 | State Farm | $95 |
| Shoshone | $147 | State Farm | $80 |
| Shoup | $154 | State Farm | $89 |
| Silverton | $153 | State Farm | $86 |
| Smelterville | $151 | State Farm | $80 |
| Soda Springs | $147 | State Farm | $83 |
| Spencer | $155 | State Farm | $89 |
| Spirit Lake | $153 | State Farm | $82 |
| Springfield | $155 | State Farm | $93 |
| St. Anthony | $150 | State Farm | $88 |
| St. Charles | $149 | State Farm | $88 |
| St. Maries | $157 | State Farm | $88 |
| Stanley | $149 | State Farm | $89 |
| Star | $145 | State Farm | $81 |
| Stites | $150 | State Farm | $86 |
| Sugar City | $150 | State Farm | $87 |
| Sun Valley | $144 | State Farm | $85 |
| Swan Valley | $152 | State Farm | $89 |
| Swanlake | $148 | State Farm | $85 |
| Sweet | $145 | State Farm | $83 |
| Sweetwater | $148 | State Farm | $78 |
| Tendoy | $158 | State Farm | $89 |
| Tensed | $156 | State Farm | $91 |
| Terreton | $152 | State Farm | $91 |
| Teton | $151 | State Farm | $89 |
| Tetonia | $154 | State Farm | $89 |
| Thatcher | $152 | State Farm | $85 |
| Troy | $145 | State Farm | $77 |
| Twin Falls | $150 | State Farm | $86 |
| Victor | $157 | State Farm | $89 |
| Viola | $145 | State Farm | $79 |
| Wallace | $148 | State Farm | $74 |
| Warren | $152 | State Farm | $86 |
| Wayan | $149 | State Farm | $85 |
| Weippe | $160 | State Farm | $92 |
| Weiser | $140 | State Farm | $78 |
| Wendell | $143 | State Farm | $76 |
| Weston | $152 | State Farm | $89 |
| White Bird | $151 | State Farm | $86 |
| Wilder | $151 | State Farm | $87 |
| Winchester | $157 | State Farm | $83 |
| Worley | $152 | State Farm | $89 |
| Yellow Pine | $140 | State Farm | $79 |
In addition to credit score and driving history, insurance companies factor your location into your auto insurance quotes. Depending on where you live in Idaho, average rates can vary by as much as $29 per month.
Car insurance rate increases in Idaho and what you can do about it
Car insurance rates have increased by around 26% in Idaho over the last five years, which is less than the national average.
That's an average increase of around $360 per year for full coverage insurance, which can still feel like a lot, even if it's less than in other places.
The biggest increase came in 2024, when car insurance rates went up by over 10%. But things are looking up for Idaho drivers, as rates are expected to go down in 2026 for the first time in five years.
Idaho car insurance rate trends
Year | Rate change |
|---|---|
| 2022 | 1.20% |
| 2023 | 8.01% |
| 2024 | 10.53% |
| 2025 | 5.91% |
| 2026 | -0.54% |
American Family raised car insurance rates in Idaho by 41% between 2022 and 2026, which was the biggest rate hike in the state over that time period. Progressive only raised rates by 14% over the same five-year period.
If your car insurance bill went up, there are a few things you can do to lower your insurance rates:
-
Compare quotes from the cheapest companies in Idaho, including State Farm, Geico, American Family and Farm Bureau.
The most expensive company for full coverage in Idaho, Mutual of Enumclaw, costs $102 per month more than the cheapest company, State Farm. So you could save more than $1,200 per year just by switching insurance companies.
-
Find a company that has lots of discounts you qualify for. Most companies offer discounts for bundling policies or getting your statement via email.
But you could get a discount with some companies for driving a brand-new car or taking a driver's education course. So it's worth looking for a company that has discounts you can easily earn.
-
Try a safe driving program. Many companies offer a discount for allowing them to track your driving habits. Companies do this using a mobile app or device that plugs into your car. If you practice safe driving habits, some companies offer up to 40% off your car insurance bill.
Just be careful about which program you sign up for, as some companies, such as Geico, could raise your rates if you have bad driving habits.
Factors that affect car insurance rates in Idaho
Minimum requirements for auto insurance in Idaho
Drivers in Idaho must have car insurance with a minimum of 25/50/15 of liability insurance.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $15,000 per accident
Insurance companies in Idaho are also required to automatically provide coverage for uninsured and underinsured motorist bodily injury. Their coverage limits typically match the limits you select for regular bodily injury liability per person and per accident.
For example, if your insurance has bodily injury liability of $25,000 per person and $50,000 per accident, you likely have that same coverage amount in the case that someone without insurance, or without enough insurance, hits your car while you’re driving.
What's the best car insurance coverage for Idaho drivers?
Most drivers in Idaho should get full coverage car insurance.
That's because it includes collision and comprehensive insurance.
- Collision coverage pays for damage from a crash, regardless of who caused it.
- Comprehensive coverage pays for damage outside of your control, like weather-related damage or theft.
If you have a car loan or lease, your lender will typically require you to have a full coverage policy.
In addition, you may want to consider adding other optional coverages, such as roadside assistance, rental car reimbursement or medical payments coverage.
Minimum liability coverage is the cheapest type of car insurance to avoid penalties, but it's usually not the best option. Minimum liability policies in Idaho only cover the other driver's injuries or repairs. That means your insurance company won't cover your injuries or pay to repair damage to your car.
Common insurance questions in Idaho
What happens if I hit a deer or elk in Idaho?
Your insurance policy will pay to fix your car if you hit a deer or elk, but only if you have comprehensive coverage. This coverage protects against hitting wild animals and other "acts of God," such as hail or flood damage.
Comprehensive coverage is typically required if you have a car loan or lease. This coverage is especially important in Idaho, where wildlife crossings are common on rural highways and mountain roads.
Does car insurance cover damage from wildfires in Idaho?
Comprehensive coverage, which is typically included in a full coverage policy, will cover the cost to fix or replace your car if it's damaged by a wildfire. Comprehensive coverage isn't required by law in Idaho, but your lender almost always requires it if you have a loan or lease on your car.
Do I need to update my car insurance if I move to Idaho?
Yes, you need to get an Idaho insurance policy after moving to the state. You have 30 days after moving to Idaho to register your car and get an Idaho driver's license, at which point you should also update your insurance.
If you're in an accident and your insurance company finds out you haven't updated your address, it could deny your claim. So you should make the change as soon as possible.
Methodology
ValuePenguin editors collected thousands of rates from ZIP codes across Idaho for the state's largest insurance companies. Rates are for a 30-year-old man with good credit and a clean driving record who owns a 2018 Honda Civic EX.
Quotes are for a full coverage policy with the following limits:
- $50,000 of bodily injury liability coverage per person, and $100,000 per accident
- $50,000 of property damage liability
- $50,000 of bodily injury uninsured motorist coverage per person, and $100,000 per accident
- $25,000 of uninsured motorist coverage for property damage
- Collision and comprehensive coverage with a $500 deductible
For minimum coverage quotes, our experts used a policy with the minimum required limits in Idaho.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
