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Car Insurance in Idaho: 2026 Rates & Guide

Idaho is a mid-range state for car insurance. The average driver pays $90/month ($1080/year). Here's how to find the best rate for your situation.

$90

Avg Monthly

$1080

Avg Annual

#42

Cost Rank (1=priciest)

$68

Cheapest Option/mo

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Cheapest Car Insurance Companies in Idaho (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Idaho — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestState Farm
$68/mo4.5Get Quote
2
GEICO
$72/mo4.3Get Quote
3
Progressive
$80/mo4.1Get Quote
4
Farmers
$76/mo4Get Quote
5
USAA
$60/mo4.9Get Quote

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

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Idaho Car Insurance Requirements

Minimum Coverage: 25/50/15

Idaho is an at-fault state. The driver who causes an accident is financially responsible.

Idaho Insurance Facts

Idaho is one of the most affordable western states for car insurance due to low population density and few major urban centers.
Boise has grown rapidly and now has higher premiums than the rest of Idaho, though still below the national average.
Wildlife collisions — particularly deer and elk — are a significant risk in rural Idaho, making comprehensive coverage worthwhile.

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How to Get Cheaper Car Insurance in Idaho

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Idaho — FAQs

What is the average cost of car insurance in Idaho?
The average car insurance cost in Idaho is $90 per month ($1080 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Idaho?
Idaho requires minimum liability coverage of 25/50/15 (bodily injury per person / bodily injury per accident / property damage). This is a tort (at-fault) state.
Which company has the cheapest car insurance in Idaho?
Based on our research, State Farm offers the lowest average rate in Idaho at around $68/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Idaho a no-fault car insurance state?
No, Idaho is an at-fault (tort) state. The driver who caused the accident is responsible for covering the other party's damages through their liability insurance.
How can I lower my car insurance in Idaho?
The most effective ways to lower your car insurance in Idaho include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

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