Key Takeaways
- Dairyland, National General and Progressive offer some of the cheapest car insurance in Idaho.
- The average cost of minimum coverage in Idaho is around $90 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Idaho.
You may find cheap car insurance in Idaho with companies like Dairyland, National General and Progressive. These insurers are among the most affordable in the state, according to real quotes for Jerry customers.
Below are other affordable providers for minimum and full coverage, plus by age, driving history and credit score.
To find the best car insurance in Idaho, compare car insurance quotes from multiple insurers.
Cheap liability car insurance in Idaho
In Idaho, drivers seeking the least expensive legal option turn to minimum liability insurance as a straightforward solution. This coverage kicks in when you’re responsible for causing damage or injury to others but won’t handle your own vehicle’s expenses. It’s a practical choice for motorists with low-value cars or infrequent driving needs. Shopping around helps Idaho drivers find cost-effective policies that satisfy the state’s minimum requirements.
Here are the most affordable insurers in Idaho for minimum coverage policies, according to real car insurance quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $65 | $778 |
| Progressive | $88 | $1,056 |
| National General | $90 | $1,085 |
| Dairyland | $97 | $1,159 |
| Bristol West | $111 | $1,328 |
| The General | $128 | $1,535 |
Minimum car insurance requirements in Idado
Idaho drivers are required to carry the following car insurance coverages, at minimum:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $15,000 in property damage liability per accident.
Cheap full coverage car insurance in Idaho
Finding low-cost full coverage auto insurance in Idaho means identifying a plan that offers complete protection without straining your budget. These policies cover damage from accidents, falling objects, wildlife encounters and theft — so you’re protected whether you’re at fault or not.
Though it’s costlier than the state minimum, full coverage is essential for newer or high-value vehicles, ensuring repairs or replacements are covered.
Below are the cheapest auto insurers in Idaho for full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $177 | $2,128 |
| Progressive | $182 | $2,180 |
| National General | $208 | $2,492 |
| Dairyland | $228 | $2,741 |
| The General | $271 | $3,252 |
| Gainsco | $276 | $3,311 |
| Bristol West | $277 | $3,328 |
| ROOT | $297 | $3,566 |
| Bluefire | $423 | $5,081 |
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Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Average car insurance costs for young drivers in Idaho
In Idaho, young drivers often pay more for auto insurance because insurers lack long-term data to gauge their risk level accurately. Rural driving conditions combined with inexperience can lead to higher perceived exposure. Even if they avoid violations, youth alone is enough to impact rates.
Below are the average costs of car insurance in Idaho for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $254 | $3,049 |
| 21-24 | $209 | $2,510 |
Cheap liability car insurance in Idaho for a 20-year-old
A 20-year-old in Idaho might choose liability-only insurance to fulfill legal obligations while keeping monthly premiums low. This option makes particular sense for someone driving an older or lower-value vehicle. It delivers essential protection without the cost of full-scale coverage.
Here are the most affordable insurers in Idaho for 20-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $155 | $1,862 |
| National General | $165 | $1,982 |
| Progressive | $221 | $2,648 |
| The General | $247 | $2,964 |
| Anchor General | $248 | $2,973 |
Cheap full coverage in Idaho for a 20-year-old
In Idaho, a 20-year-old may consider full coverage auto insurance to prepare for damage from traffic hazards or severe weather. It’s an effective way to protect a reliable vehicle they depend on for work or school. This policy type helps cover expensive repairs that might otherwise be unaffordable.
These are the cheapest car insurance companies in Idaho for 20-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| The General | $383 | $4,600 |
| Dairyland | $427 | $5,130 |
| Progressive | $442 | $5,308 |
| National General | $556 | $6,668 |
| Bristol West | $582 | $6,981 |
Average auto insurance costs for mature drivers in Idaho (25-54)
In Idaho, drivers with more years behind the wheel often qualify for lower insurance rates because their consistent habits reduce risk. Insurers tend to see fewer claims from this group so premiums can often remain affordable over time.
Below are the average costs of car insurance for drivers in Idaho between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $179 | $2,145 |
| 35-44 | $168 | $2,011 |
| 45-54 | $129 | $1,547 |
Cheapest liability car insurance in Idaho for a 35-year-old
A 35-year-old in Idaho might favor liability-only insurance when their car’s value no longer requires full coverage. Living in a state with wide-open roads and low traffic congestion helps reduce daily driving risk and with plenty of experience, they may feel secure with a more basic policy. It’s a frugal choice that still meets legal driving standards.
These are the cheapest car insurance companies in Idaho for 35-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $65 | $784 |
| Dairyland | $68 | $819 |
| Bristol West | $78 | $939 |
| National General | $113 | $1,358 |
| The General | $270 | $3,236 |
Cheapest full coverage in Idaho for a 35-year-old
In Idaho, a 35-year-old could see full coverage insurance as a way to protect their vehicle during long rural drives or snowy commutes. Country roads and harsh winters can increase the risk of damage and comprehensive policies help ensure any needed repairs don’t come entirely out of pocket.
These are the cheapest car insurance companies in Idaho for 35-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $100 | $1,204 |
| Progressive | $146 | $1,756 |
| National General | $256 | $3,072 |
| The General | $281 | $3,376 |
| Dairyland | $305 | $3,661 |
Average car insurance costs for older drivers in Idaho (55+)
In Idaho, insurance premiums for drivers over 55 may increase as physical agility and vision start to decline with age. Mountain roads and changing seasons require sharp awareness, which insurers see as a growing challenge. Even the most responsible driver may be subject to higher rates due to elevated risk.
Below are the average costs of car insurance for drivers in Idaho 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $99 | $1,187 |
| 65+ | $111 | $1,335 |
Cheapest car insurance in Idaho by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket, at-fault accident or other citation.
Cheap car insurance for drivers with clean records in Idaho
Having a clean record in Idaho can place you in a favorable position with insurers. It reflects years of attention to safety and lawfulness. This can result in easier access to policy options and lower prices.
Here are the most affordable insurers in Idaho for those with clean driving records, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $94 | $1,123 |
| National General | $99 | $1,186 |
| The General | $107 | $1,288 |
| Dairyland | $121 | $1,457 |
| Bristol West | $123 | $1,480 |
Cheapest car insurance with a speeding ticket in Idaho
A speeding ticket in Idaho may result in more than just a fine — it could change your insurance terms. These violations can point to riskier driving tendencies and even if no accident occurred, insurers may revise your policy.
Here are the most affordable insurers in Idaho for those with a speeding ticket, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $178 | $2,131 |
| Progressive | $180 | $2,165 |
| National General | $197 | $2,367 |
| Dairyland | $232 | $2,779 |
| Bristol West | $236 | $2,830 |
Cheapest car insurance after an at-fault accident with no injury in Idaho
An at-fault accident with no injuries may still raise concerns with insurers. Even if no one was hurt, the incident shows a situation where there was poor driving. These types of claims are considered when policies are renewed and they may influence premium adjustments or restrictions.
Here are the most affordable insurers in Idaho for those with an at-fault accident with no injury, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $168 | $2,016 |
| National General | $184 | $2,213 |
| The General | $201 | $2,406 |
| Progressive | $215 | $2,579 |
| Anchor General | $215 | $2,581 |
Cheapest auto insurance after an at-fault accident with injury in Idaho
Being at fault in an injury-causing accident is a major event in your insurance history. It often involves complex claims and legal accountability. Insurers respond by reevaluating your risk level and these accidents are seen as serious liability concerns.
These are the cheapest car insurance companies in Idaho for drivers with an at-fault accident with injury, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $71 | $850 |
| Progressive | $79 | $953 |
| Bristol West | $100 | $1,195 |
| National General | $115 | $1,385 |
| The General | $170 | $2,043 |
Cheapest car insurance with a DUI in Idaho
A DUI offense in Idaho has serious implications for your insurance outlook. It represents a failure to uphold basic road safety standards and this type of violation usually leads to increased costs and fewer insurer options.
Here are the most affordable insurers in Idaho for those with a DUI, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $103 | $1,240 |
| National General | $120 | $1,440 |
| Bristol West | $185 | $2,215 |
| Safeco | $233 | $2,800 |
| The General | $238 | $2,853 |
Average auto insurance costs for Idaho drivers with other violations
Other violations in Idaho, such as driving without insurance or disregarding signals, can affect your insurance profile too. These actions suggest gaps in attention or responsibility and over time, multiple issues can shape your eligibility for various policies.
Below are average car insurance costs in Idaho for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $326 | $3,913 |
| Cell Phone | $272 | $3,263 |
| Driving on Sus. License | $158 | $1,897 |
| Failure to Obey Traffic Sign | $257 | $3,084 |
| Illegal Turn | $94 | $1,131 |
Cheapest auto insurance for low credit scores in Idaho
Drivers in Idaho with low credit scores typically pay more for car insurance than those with higher scores. These are the cheapest car insurance companies in Idaho for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $142 | $1,710 |
| Progressive | $172 | $2,067 |
| Dairyland | $178 | $2,131 |
| The General | $203 | $2,440 |
| Bristol West | $251 | $3,017 |
Lear more: How a credit-based insurance score works
How to find cheap car insurance in Idaho
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
More: Best car insurance companies
Factors that affect car insurance costs in Idaho
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible.
More: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
