Best Car Insurance Idaho 2020

Last modified: November 21, 2020

Regardless of where you live, you should never skip out on auto insurance, as it protects more than just your car: It protects you, your money, and also limits the repair costs for property and bodily harm inflicted upon others.

Every state has its own rules and regulations regarding auto insurance coverage. If you are looking for good auto insurance in Idaho, the Gem State, this article can help put your search to an end. Here we discuss minimum state requirements, average costs, cheapest insurance providers, and review popular companies for your perusal.

State Minimum Requirements

As per Idaho’s laws, every driver must maintain the following minimum auto insurance coverage.

  •         Bodily Injury liability – $50,000 per accident and $25,000 per person.
  •         Underinsured motorist coverage – $50,000 per accident and $25,000 per person.
  •         Uninsured motorist coverage – $50,000 per accident and $25,000 per person.
  •         Property Damage and Liability Coverage – $15,000 per person.

Besides these minimum Idaho car insurance requirements, it is important to note that Idaho is not a no-fault state, meaning it follows fault-based insurance laws. A fault-based system means in case of an accident, the parties involved will have to identify who is at fault. Once the driver at fault is identified, they would be required to file for insurance with their insurance company. 

In case the at-fault driver doesn’t have insurance or is underinsured, you will have to turn to your own insurance company. This is why underinsured and uninsured motorist and property damage coverage are a part of Idaho auto insurance requirements.

Many insurance companies advise policyholders to never admit fault. Hence, it is important to collect substantial evidence with the help of witnesses to prove who is at fault. You can also call the police to collect evidence.

In fact, a police report is the easiest way to get an insurance company to accept claims. If all else fails, you have to hire a personal injury lawyer to fight your case and establish the driver responsible for the accident.

Idaho law also requires car owners to carry evidence of auto insurance at all times. Failure to do so can get you a fine of up to $75 to $100 the first time around. You may also be required to provide proof of financial responsibility for a year. The fine increases to $1,000, and you can also get jail time if you are convicted a second time.  

Average Cost of Car Insurance Idaho

Idaho has some of the lowest auto insurance rates in the United States. The average cost auto insurance premium in the Gem State is around $1,100 per year, which is almost 29% lower than the national average. However, the exact premium you get for auto insurance varies by age, gender, marital status, credit history, driving records, and more. Here, we mention a few factors and respective costs.

The average cost for state minimum requirements are:

Liability Only $325
Comprehensive +Collision (1000) $794
Comprehensive + Collision ($500) $892

Average Cost by Age

20-30 $1,215
30-40 $978
40-50 $911
50-60 $890

Average cost by gender.

Male +/- $1,000
Female +/- $990

 

Auto insurance companies in Idaho offer some of the most affordable insurance rates. In fact, the trend here is the opposite of what we see in most other states. Insurance companies charge young, male drivers a higher insurance rate than they do older, more experienced drivers (up to age 50), and females.

Cost of Car Insurance by Top Cities

City Average Rate
Boise $1,170 per year
Nampa $1,011
Meridian $1,202
Idaho Falls $1,003

Boise, Nampa, Meridian, and Idaho Falls have some of the lowest auto insurance rates in the state. Out of all, Meridian has the biggest cost bracket, with the most expensive auto insurance quote Idaho being thrice that of the lowest. Boise, Nampa, and Idaho Falls all offer cheap and affordable insurance coverage options. Make sure you do your research and get quotes from multiple companies before purchasing auto insurance.

Cheapest Providers

There is nothing better than finding a good rate on your insurance premium. Here, we help you find companies that offer some of the cheapest rates for different buyers.

Cheapest Full Coverage Auto Insurance in Idaho

State Farm is the company to go to if you want cheap car insurance in Idaho. The company provides full coverage auto insurance for as low as $960 per year, almost $500 lower than the second cheapest company, Geico, which provides full coverage auto insurance for $1,482 per year.

Best and Cheapest Car Insurance For Drivers With a DUI

Safeco offers the cheapest car insurance coverage for drivers with a DUI at around $890 per year. However, it is American Farm that offers the best and most affordable auto insurance at $1,098 per year. It is also a more trusted name in the industry, has decent customer satisfaction and performance rankings, making it a better option.

Cheapest Car Insurance in Idaho for Speeding or Distracted Driving Tickets

Similar to other categories, Safeco also offers the cheapest Idaho car insurance quotes for drivers with a ticket at around $873 per year/ However,we suggest you opt for State Farm instead. State Farm provides auto insurance coverage for drivers with a ticket at around $929 per year. Though there is no significant difference between the two quotes, State Farm has better customer satisfaction and performance rankings than Safeco, making it a better option.

Cheapest Car Insurance Companies in Idaho for Drivers with Bad Credit

Geico offers the best insurance rates for drivers with an excellent driving record but poor credit history. You can get full coverage auto insurance for $852 per year.

Best and Cheapest Car Insurance for Seniors in Idaho

Geico offers auto insurance for seniors for as low as $493 per month. However, other factors may affect the price, so make sure you do your research.

Cheapest Car Insurance for Students

If you are a student or a young driver looking for the best car insurance Idaho, Safeco provides full coverage auto insurance at $835per year. If you want minimum auto insurance, Progressive offers minimum coverage for $336 per year. The rates vary depending upon credit and driving records.

Best and Cheap Car Insurance for Families

Whether you are a couple or a family with children, Geico offers the cheapest auto insurance for families. Couples can get full coverage for two vehicles for as low as $878 per year, provided they are both about 50 years old with an impeccable driving record and good credit history.

A 50-year-old couple with an 18-year-old child can get full coverage for two vehicles for around $1,600 per year. The rates will be much higher for younger couples.

Best For Veterans

USAA is the company to go to for veterans. It offers cheap auto insurance Idaho for veterans, serving officers, and their families. Veterans can get auto insurance coverage for as low as $224 per year with a veteran discount at USAA.

Idaho Auto Insurance, Traffic Rules, and Penalties

Idaho doesn’t have many laws regarding driving, but legislation is subject to change, and the state may add new regulations at any time. Make sure you stay up to date with the legal system.

  1.       Idaho car insurance laws state every driver must have mandatory auto insurance. They should also have relevant proof of auto insurance at all times.
  2.       Texting while driving is prohibited.
  3.       You are technically allowed to talk on call when driving, but it is considered a distraction and may result in you being held accountable for an accident even if it isn’t your fault.
  4.       As per law, drivers cannot leave their cars unattended with the engine running. Make sure you cut off the ignition and lock the doors and close the windows before leaving your vehicle.
  5.       Every vehicle must have two functional headlights that drivers should turn on from sunset to sunrise. They are also required to keep the headlights running during the day if they cannot see the road or vehicles at a distance of 500 feet.

According to Idaho auto insurance laws, failure to provide proof of insurance is a punishable offense. First-time offenders can get a fine of up to $75 to $100. They will also have to provide financial responsibility proof for a year. If caught a second time without proof of insurance, the fine may increase to $1,000. You may also get up to 6 months of jail time.

Best Car Insurance Companies in Idaho

Company Average Cost/year Minimum Coverage Ratings Best For No of Discounts
AAA $961 per year $648 per year AM Best: A

JD Power: 4.1/5

BBB: A+

Cheap full coverage 21
Alfa General $1,795 per year $670 per year AM Best: A++

JD Power: 4/5

BBB: A+

Young drivers looking for discounted insurance 13
Auto-Owners $1,049 per year $342 per year AM Best: A++

JD Power: 4.2/5

BBB: A+

For extra coverage 12
Farm Bureau Idaho $1,520 per year $460 per year AM Best: A

JD Power: N/A

BBB: N/A

Ideal for Farm Bureau members 5
State Farm $1,337 per year $319 per year AM Best: A++

JD Power: 3/5

BBB: N/A

Cheap coverage after accident 14
Geico $1,060 per year $232 per year AM Best: A+

JD Power: 4.3/5

BBB: N/A

Cheap Insurance for families 16
AllState $2,738 per year $760 per year AM Best: A+

JD Power: 4.2/5

BBB: N/A

Drivers with poor credit 14
USAA $885 per year $224 per year AM Best: A++

JD Power: 5/5

BBB – N/A

Military personnel and their families 13

 

Car insurance in Idaho depends upon city, age, gender, and many other factors. The figures in the table are general quotes for specific profiles, and yours may be higher or lower. Below we mention some companies that are offering the best auto insurance in Idaho. Make sure you check quotes with at least three of these companies before choosing one.

AAA

AAA offers the widest range of discounts making it ideal for savers. You can get multiple vehicle discounts, full pay discounts, safety discounts, membership discounts, educational discounts, and a lot more. Whether you are a family, a young student, or an old couple, AAA Idaho auto insurance provides a wide range of coverage options at affordable price points.

Alfa General

Alfa General is one of the more expensive auto insurance service providers in the state of Idaho. However, it is ideal for students as it offers various student discounts that can get them a good deal for full coverage auto insurance. Alfa General has excellent financial strength and customer satisfaction ratings despite its high price point because of the multiple discounts.

Auto-Owners

Auto-Owners is a Michigan-based insurance company operating in 26 states, including Idaho. The company offers some of the cheapest insurance coverage options, especially to those looking for minimum coverage. You can also get add-on coverage options like roadside assistance and more at minimal costs making it a cheap Idaho auto insurance provider.

Farm Bureau Idaho

Farm Bureau Idaho is a trusted and well-known name in the Idaho auto insurance market. However, the company is a little pricier than other insurance providers. It also has very limited discounts available to its customers and those too only for the members. If you are already a Farm Bureau Policyholder, stick with the company to get excellent customer loyalty and multiple policy discounts.

State Farm

State Farm offers a decent amount of discounts and a decent price range for full and minimum coverage policies. In fact, it is one of the best auto insurance providers in Idaho, especially for minimum coverage. You can avail one of the 14 discounts the company offers to get a great deal on your Idaho car insurance.

Geico

Geico is one of the best auto insurance providers in Idaho. The company offers excellent rates and various discounts, making it extremely affordable. Here you can get reduced rates based on age, occupation, past record, and more. It is ideal for couples or families looking for comprehensive, yet affordable auto owners insurance Idaho.

USAA

USAA is the ideal insurance providers for retired and serving military personnel and their families. From military garaging discounts to new vehicle and family discounts, there are various options, making you eligible for substantially reduced rates. However, USAA only provides insurance services to military personnel.

AllState

AllState is the most expensive car insurance service providers in Idaho. It only offers somewhat affordable rates for drivers with poor credit; otherwise, the price point is definitely on the higher end of the spectrum despite the availability of around 15 discounts.

The best car insurance Idaho is AAA. The company has excellent ratings from all three institutions, offers the highest number of discounts, and has the most affordable rates.

Pros & Cons

The Pros

The Cons

Final Verdict

FAQs

Why Is Auto Insurance In Idaho So Expensive?

Auto Insurance in Idaho is not expensive. In fact, the average yearly cost for auto insurance in the state is 28.7% lower than the national average, making it one of the cheapest places to get auto insurance coverage.

Is Idaho a No-Fault State?

No Idaho is not a no-fault state and follows a fault-based insurance system. In Idaho, drivers have to first determine who is at fault and then file a claim with the insurance company of the driver responsible for the accident.

How to Reduce Car Insurance Costs in Idaho?

You can get minimum car insurance in Idaho at very affordable rates. If you want to lower car insurance costs in Idaho, try to look for discounts. The more discounts you have, the lower the cost will be. You can also ask for quotes from multiple companies to see which one offers the lowest rates. If all else fails, try to get only the basic coverage as required by law.

What is the Best Auto Insurance Idaho?

The three top auto insurance companies in Idaho are AAA, State Farm, and Geico. Other good companies include Progressive and USAA. However, every company has a different pricing policy, and you will have to do your research before selecting one that is best for you.