Best Cheap Car Insurance Companies in Idaho by Category

Best for Good Drivers: USAA
Best for Minimum Coverage: Farmers
Best for Drivers with One At-Fault Crash: State Farm
Best after a DUI: USAA
Best after a Ticket: State Farm
Best for Drivers with Poor Credit: Geico

Cheapest Car Insurance in Idaho by Category

To find the cheapest car insurance companies in Idaho for major groups of drivers, WalletHub analyzed quotes from all major insurance companies for several driver profiles.

Cheapest Car Insurance in ID for Good Drivers

USAA

Safeco

GEICO

It would seem that good drivers would always pay the lowest rates, but insurance companies can’t all offer the same low price. Your driving record isn’t the only thing that insurance companies take into consideration when setting your premium, either. Companies in Idaho can use a variety of factors to decide how much you pay for insurance—even things that aren’t related to your driving habits. In Idaho, insurers take into account your age, gender, credit history, and more when determining premiums, so it’s still important for good drivers to shop around.

Cheapest Car Insurance in ID for Minimum Coverage

Farmers

GEICO

Auto-Owners

Under state law, Idaho drivers must have $25,000 in bodily injury liability insurance per person ($50,000 per accident) and $15,000 in property damage liability insurance. Idaho also requires $5,000 in personal injury protection. To help drivers minimize the cost of state minimum coverage, WalletHub analyzed quotes from all major insurance companies.

Cheapest Car Insurance in ID for Drivers with One At-Fault Crash

State Farm

Safeco

American Family

It makes sense that drivers with an accident or claim within the last three to five years are charged more for insurance, especially when you consider the fact that insurance companies assume such drivers are more likely to file another claim. Drivers with less-than-perfect driving records need to pay close attention to how much they’re paying for insurance as a result. To make shopping around easier, WalletHub analyzed rates for drivers with one at-fault crash.

Cheapest Car Insurance in ID After a DUI

USAA

State Farm

Progressive

In Idaho, a DUI conviction raises rates by about 43%, on average. After a DUI, it’s even more important to compare quotes from multiple insurance companies to find the lowest prices. To help drivers with a DUI find affordable coverage, WalletHub analyzed quotes to get the cheapest companies for drivers in this category.

Cheapest Car Insurance in ID After a Ticket

State Farm

Safeco

Progressive

A speeding ticket in Idaho costs between $90 and $160, depending on how fast you were going and whether you were in a school or construction zone. But that’s not the only cost—you’ll probably also see your insurance premiums go up after a ticket. Drivers with a speeding ticket or other traffic citation on their record should compare quotes from at least a few different companies to see who offers the lowest rate. We found the cheapest options in Idaho by analyzing quotes for drivers with a ticket.

Cheapest Car Insurance in ID for Drivers with Poor Credit

GEICO

Travelers

USAA

In Idaho, drivers with no credit pay about 57% more than drivers with excellent credit. Studies have found a correlation between a person’s credit score and the overall cost to insure that person, so insurance companies charge people with poor or no credit higher rates. If you have a low score and don’t shop around for coverage, you’re likely paying more than you have to for car insurance. Be sure to check your credit score for free before shopping around, too.

How to Get Cheap Car Insurance in Idaho

Compare quotes from both national and regional insurers. Don’t forget to include local insurance companies in your search for cheap car insurance. In Idaho, regional insurers like PEMCO and The Hartford might have lower rates than national companies like American Family, State Farm, and Farmers and have comparable customer satisfaction ratings.
Know the factors affecting insurance in Idaho. Everyone knows that your driving habits and claims history affect how much you pay for car insurance. But in Idaho, companies can also consider your age, gender, credit history, marital status, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.
Maintain coverage. You’ll see higher rates if you let your insurance lapse, even if you don’t own a car. Idaho drivers who don’t maintain continuous coverage pay an average of 11% more than those with five or more years of insurance history.
Choose the coverage that is right for you. You need liability insurance to pay for the other driver’s damages if you’re at fault in an accident in Idaho. But collision and comprehensive coverage are usually optional and may be unnecessary if you own an older car. Usage-based insurance might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, too. Don’t skimp on the coverage you need, but do make informed choices. That way, you won’t end up paying for more car insurance than you need.
Search for discounts. Top car insurance companies in Idaho have a variety of discounts, so almost anyone can find ways to save. You may be able to get a discount if you’re a student, veteran, good driver, homeowner, willing to go paperless, and more.
Stay in less expensive zip codes. Car insurance prices can vary a lot based on zip code in Idaho. On average, drivers in the most expensive parts of Idaho spend about $250 more per year on full coverage car insurance than those living in the least expensive areas.

Methodology

WalletHub examined quotes from all major car insurance companies for several driver profiles, using multiple sources. By getting quotes for multiple driver profiles, WalletHub ensured a diverse sample. Below you can find the categories we considered and the values for each. Quotes were not collected for all the permutations between these categories/values.

Category	Values
Gender	Men, Women
Age	18, 25, 35, 40, 50, 60
Marital Status	Single, Married
Family	No children, One teenage child (driving age)
Driving Record	No violations, One at-fault accident, One ticket
Car	Toyota Camry or comparable sedan
Credit History	Good credit, Poor credit