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Cheap Auto Insurance in Idaho: Best Companies & Quotes
Driving in Idaho means various things for various people. Farmland is abundant here, which means there is a plethora of tractor trailers, trucks, and other heavy equipment on the road throughout the day. In the larger cities, you won’t find that kind of traffic, but you will find plenty of congestion when it’s time to get to work and to get home in the evenings. So many different types of vehicle share the road every day in Idaho, but everyone wants to share the same cheap insurance. What many drivers fail to realize is that not all insurance is created the same. No two people have the same coverage because so many factors affect the cost of their insurance.
If you’re looking for insurance in Idaho for your vehicle that’s more affordable, you’re not alone. Many people want to find something cheaper and better, but they don’t know where to begin looking. Even more common, drivers don’t understand why their neighbor, friend, sister, or anyone else has a lower rate than they have, but they have the same car or policy. It’s helpful to become familiar with the factors and the driving force behind cheap auto insurance in Idaho before you make the switch.
Best Car Insurance Companies in Idaho
- State Farm
- Farm Bureau Mutual of Idaho
|USAA||Travelers||State Farm||Geico||Farmers||Farm Bureau Mutual of Idaho|
|AM Best Financial Strength Rating||A++||A+||A++||A++||A||A|
|JD Power 2019 Overall Customer Satisfaction score||5/5||3/5||3/5||3/5||3/5||N/A|
|Avg Annual Premium||$517||$837||$793||$858||$1,077||$455|
|Consumer Reports Reader Score||92||N/A||78||78||72||N/A|
|BBB Rating||Not Rated||A||B+||A+||A+||Not Rated|
Auto Insurance Statistics in Idaho
According to NAIC.org, auto insurance premiums in Idaho have been decreasing over the past decade. Drivers in Idaho will enjoy having lower insurance rates than most states nationwide. The data depicts average car insurance rates in Idaho compared to the rest of the nation.
Top 10 Cheapest Car Insurance Companies in Idaho
|Rank||Company Name||Avg. Annual Premium|
Drunk Driving Fatalities
Drunk driving fatalities claim lives every year and when this occurs, the incidence is reported. The National Highway Traffic Safety Administration reported fatalities in Idaho as fluctuating in recent years when compared to the national average.
Drunk driving fatalities in Idaho from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Idaho is an issue that has affected the state for many years. Statistics show teen drinking and driving in Idaho as being below the national average. The below statistics represent the percentage of Idaho drivers that are teenagers who are drinking and driving when compared with national averages.
Teen Drinking & Driving in Idaho vs. Nationwide (2017)
SR-22 Insurance in Idaho
If you receive a DUI or commit another type of driving infraction, you might receive an order to obtain an SR-22 insurance policy before you can begin driving again. This type of insurance policy allows you to provide direct evidence to the DMV that you have the correct level of insurance coverage. Your insurance provider will provide proof that you own the policy — they will also immediately notify the authorities if you cancel it.
In Idaho, drivers need $15,000 worth of property damage coverage — this is slightly higher than what you find in other states. Additionally, you will need $20,000 of coverage for injury to a single person, and $50,000 worth of coverage for injury to multiple people. Stay up to date with these figures, as they may change if regulations are altered.
Car Theft in Idaho
Car theft is a problem nationwide but with the right coverage from a comprehensive auto insurance policy, you can have the proper protections in place. The below data shows how Idaho ranks against other states nationwide in the number of car thefts.
Vehicle thefts by rank nationwide vs. Idaho
Uninsured Motorists in Idaho
When picking an auto insurance policy, it helps to choose uninsured and underinsured motorist coverage. This will protect you in the event that another driver does damage to your property or causes you personal injury. The below data shows how well Idaho ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Source: Insurance Information Institute
What Affects Your Insurance?
For many, it’s what you drive that affects your insurance policy, but it’s not always the case. While the type of vehicle you drive plays a profound role in determining how much you pay for insurance, it’s not the only factor.
- Age of your vehicle
- Type of car
- Your age, gender, sex, address
- Your employment
- Your credit history and driving history
- Where you live
Idaho residents need to consider all these factors before they find the best car insurance companies. Each one plays a profound role in determining whether you’ll be offered a low rate or one that comes with a slightly higher price tag.
Your Location Affects Your Auto Insurance Rates
Idaho residents don’t all get the same rate for being in the same state. Someone who lives in a nice neighborhood without any major streets nearby is going to get a lower rate for insurance than a family who lives in a neighborhood near an interstate or in a high crime area, because they’re more likely to be robbed or have their car hit by an uninsured driver if the economic situation around there isn’t perfect.
Your Credit Score
Someone with bad credit is going to pay more for car insurance because the insurance companies are going to find them riskier to invest in. Your lack of ability to care for your finances tells the insurance company you’re not a great candidate for good rates, and they’ll charge you far more. If you have several tickets, accidents, and other driving infractions on your driving history, you’re also going to pay more.
Insurance companies want to work with people who aren’t a risk to them. They pay a lot of money when your driving is imperfect. They want to ensure they’re getting enough from you to cover what they might pay out when your driving skills aren’t adequately used.
Your age, gender, and sex affect your rates because some people are just considered more dangerous drivers. Young men and older women are more likely to cause an accident, and men in general, are less careful drivers than women. Married couples are seen as more responsible, and they often pay a much lower rate for their car insurance.
If you work in an industry that is considered dangerous or has you on the road often, you’ll pay more money for your insurance. It’s a factor everyone considers when they offer insurance rates to their new clients.
There are things you can do to help lower rates on your own. Ask your insurance company for a discount for being a safe driver or being a long-time loyal customer to their brand. Ask for a discount based on the number of safety features your car is equipped with. You can pay less if you know how to ask for a lower rate, or you take the time to shop around for the best rates available for drivers in Idaho.
Types of Auto Insurance Coverage in Idaho:
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Bodily Injury Liability Insurance
- Property Damage Liability Insurance
- Comprehensive Insurance Coverage
Minimum Requirements For Car Insurance in Idaho
There are minimum requirements for car insurance in the state of Idaho. The basic type of coverage that every driver in Idaho is required to have is liability coverage in accordance with the rules of the Department of Insurance.
Idaho Liability Coverage minimum coverage:
- $15,000 for property damage coverage.
- $25,000 coverage for an accident with a single-individual bodily injury or death.
- $50,000 coverage for an accident involving with multiple-individual bodily injuries or deaths.
Failure to properly insure a vehicle in the state of Idaho can result in fees and citations.
Source: Department of Insurance
New Driver Licensing Requirements in Idaho
Applicants for a driver’s license in the state of Idaho must take a written and vision test. Applicants under the age of 17 will need to complete the state’s graduated drivers license program which allows them to get a standard driver’s license. Additionally, they would also need to complete an approved driving training program where there is 6 hours of in-car observation and 30 hours in the classroom.
In order to take the vision exam, all applicants need to be a minimum of 15 years of age. They will also need to be at least 15 to take the written and skills tests.
Cheap Auto Insurance Discounts
At CheapAutoInsurance.co, our goal is to help you find the best deals on affordable auto insurance in Idaho. Browse through the list of car insurance discounts below to see if any of the discounts can be applied to your situation.
- Mature driver discount
- Car safety features discount
- Military or Veteran discount
- Infrequent usage discount
- Multi-car auto insurance discount
- Anti-theft discount
- Senior citizen discount
- Defensive driving discount
- Good student discount
- Low-mileage discount
- Bundling insurance policies discount
General Information on Auto Insurance in Idaho
In this section, you’ll find the most basic need-to-knows for your auto insurance.
What are the minimums for Idaho auto insurance?
Idaho requires that you have these minimum coverages:
- $25,000 bodily injury per person per accident.
- $50,000 bodily injury for all persons per accident.
- $15,000 property damage liability.
- $25,000/$50,000 uninsured/underinsured motorist coverage.
What is the normal auto coverage insurance for Idaho driver?
Like in most states, it is rare that drivers only stick to the state-required minimum. Having said that, there is no ‘normal’ insurance, only those fitting the specific needs of the insurer.
What car insurance is required in Idaho?
In Idaho, you are required to be insured at least at the minimum amount required by the state. Aside from that, there is no other restriction.
How much car insurance does a real estate agent need in Idaho?
As you’d be using your car for work, you may need a commercial auto insurance aside from your personal insurance. Ask your agent about your options.
Who is required to have auto insurance in Idaho?
Every vehicle operator, regardless if they own the car or not, are required to have an auto insurance in the state.
How do I get car insurance in Idaho without a driver’s license?
You can put the name of your designated driver on the form and still have the policy under your name. However, note that not all companies would go for this. Learn more about getting insurance with no license.
In the state of Idaho, how long do you have to switch over your insurance to insure your new car?
It is not a matter of how long. Before you get a license plate for your new car, the DMV would require you to have proof of insurance. Some dealerships would not even allow you to drive the car off the lot without it. Still other people will get temporary insurance auto coverage until they can shop for something more permanent.
How long do I have to get insurance after buying a used car in Idaho?
With car insurance, where you got it is irrelevant. You still have to take care of getting insurance as soon as possible. Do an auto insurance comparison to get the best rate for your used car.
What are the minimum Idaho car insurance requirements on owned vehicles?
All personal use vehicles need to have at least the minimum coverage set by the state. You can either get this online through our quote form for example you can do a simple search for auto insurance brokers near me and go with someone local.
What is considered full coverage car insurance for Idaho?
The state minimum can already be considered full coverage as aside from liability, it also has an allocation for uninsured motorists and property damage. Related: Whats a good deductible for auto insurance?
What is your car coverage with your insurance policies in Idaho when buying a new car?
Your car insurance coverage would depend on what you’re going to get. That applies whether you’re buying a new car or switching insurance companies. If this is a temporary need when you purchase the vehicle and you’re not already covered then you can ask about 1 day car insurance at the dealership.
According to Idaho law, how long does it take to buy auto insurance?
There is no law on how long insurance companies should be able to process your application. However, it is very easy to get a quote from them and buy auto insurance online if you’re rate shopping.
What is an emergency road service coverage and why you need it for your Idaho auto insurance?
Emergency road service is a way for you to access roadside assistance. It is highly recommended that you get one because the chances of getting into minor incidents such as a dead battery are higher than getting into a real car accident.
Auto Insurance Costs
Are you getting a bang-for-buck deal or are you being overcharged? In this section, you’ll get a clearer idea how much you should be paying.
How much does car insurance cost in Idaho?
According to reviews, the average annual insurance cost in Idaho is $552.
How much is minimum car insurance for a financed car Idaho?
Because the lender would probably require you to get full coverage car insurance in addition to the state minimum, it would definitely be higher than $552.
How expensive is car insurance in Idaho?
As of the latest available data, Idaho is the third least expensive state to get car insurance. Take a look at average monthly car insurance costs per state to see how they compare.
Why is car insurance so expensive in Idaho?
It’s the opposite, really. If you’re rates are higher, consider that some places in the state have generally higher rates than others. Some people look for low income car insurance when its not clear if any companies offer this but you can certainly talk to them directly about it.
How much is car insurance in Idaho for new drivers?
Younger drivers who are mostly teens are subjected to insurance costs two to three times higher than the average 25-year-old. Cheap car insurance for young drivers can be challenging to find but not impossible.
What are the new Idaho auto insurance discounts available?
There are a lot, actually. Some of these are multi car discounts, student driver discounts, car safety discounts, and no claims discounts. Also consider classic auto insurance if you have a collector car.
What state has cheaper auto insurance Idaho vs Utah?
While rates in Utah are on the cheaper side, it is still relatively expensive compared to Idaho. This may be different for Utah sr22 insurance or other special insurances.
How much is car insurance for a 20-year-old in Idaho?
According to latest data, it’s $2,518. However, note that a uniform but arbitrary vehicle and coverage limit were used for its comparison with other states. It may be possible to lower this getting the cheapest liability only insurance. Related: What is the cheapest car insurance for 18 year old drivers?
How much is full coverage auto insurance for a 23-year-old in Idaho?
As you are nearing 25, your rates would start to approach the average. So, expect your rates to be near $552. Fill out our quote form to see cheap auto insurance full coverage options.
How much is insurance and registration for a car in Ada County, Idaho?
Vehicle registration fees depend on the type of car and its age. You’ll find the specifics here. As for the insurance, median rates in Ada County is $820 per year.
How much is insurance on a compact car in Idaho?
Insurance companies don’t publish their rates for different types of cars so we can only speculate. However, as compact cars provide less protection to its passengers, they’re always more expensive to insure. Also take a look at the cheapest sports cars to insure.
How do I beat Idaho high auto insurance?
Before the end of your contract, shop around to see if you can get a better deal. Availing of discounts such as car safety is also a great way to slash your rate. Also check out the best auto insurance for seniors reviews we recently covered.
How much does SR22 insurance cost in Idaho?
There are too many variables to state this accurately. It is best to compare SR22 auto insurance quotes by completing our form above. This will give you a better idea of actual costs.
Where can I get cheap motorcycle insurance?
You can get cheap motorcycle insurance using an online comparison tool to see what rate different companies have available right now for your area. This is one of our specialties.
Fines, Penalties, and Accidents
This section will cover the consequences of poor driving habits and not having an insurance.
How much is the fine for not having car insurance in Idaho?
For the first offense, it’s only $75. However, subsequent offenses can cost you as much as $5,000.
What happens in Idaho if your auto insurance lapses?
Your insurers will definitely charge you a higher rate when you apply. Your license may also be suspended if caught driving without your insurance.
What happens in court if I got in a car accident without insurance in the state of Idaho?
As Idaho is a tort state, you will be paying for whatever damages that would arise as a result of the accident. Else, you would still be eligible for compensation.
How much will a speeding ticket cost me on my monthly car insurance premium in Idaho?
In Idaho, a speeding ticket raises your rates by an average of 30%.
Whose insurance covers a car being test driven when for sale in Idaho?
The one who caused the accident. So, it may be the person driving the car for sale or the other driver.
When does your insurance totals your car in Idaho?
If the insurance deems the total value of repairing your car would be greater than the value of the car before the accident, it would be totaled.
How long do you have to file an auto insurance claim in Idaho?
The statute of limitations for personal injury damage and property damage is two and three years, respectively.
How do I file a complaint against an auto insurance company in Idaho?
What if someone hits your car and you don't have insurance Idaho?
You can file a civil suit or try to settle it out of court. If there is criminal liability, you can also sue them as well. Related: What do I need to know about insuring salvage car?
According to Idaho insurance law, what happens when at fault driver refuse to pay?
Insurance Guide and Recommendations
If you’re looking for particular features of an insurance company, you’ll find them here.
Who are the largest auto insurance companies in Idaho?
Latest data shows State Farm, GEICO, American Family Insurance, and Farmers Insurance group as the best and largest in the state.
What is the best home/car insurance company in Idaho?
Farmers, Nationwide, and Progressive are all great places to get both home and auto insurance.
How do I find the best car insurance in Idaho?
Before anything, you have to know what matters to you. Is it the cost, the coverage, the claims approval rate? Then, rank different insurance companies on these factors and choose.
What auto insurance in Idaho does consumer reports rate as very good?
Farm Bureau is highly rated and highly recommended by consumerreports.org. Ask them if they offer no money down car insurance when you talk to them so at least you save on money up front.
Which Idaho auto insurance policies cover towing?
There is no default policy already covering roadside services. However, almost all companies offer this for an extra fee.
Where can I find the phone number for Amica auto insurance in Caldwell, Idaho?
For product information, you may call 800-242-6422. To reach a Spanish-speaking representative, call 844-389-0432.
Who has the cheapest auto insurance Idaho?
According to latest data, it’s American National. However, as insurance companies have different ways of determining your rate, it is possible that your profile would get a lower rate somewhere else. See which auto insurance is cheapest in the country.
What should do for your auto insurance companies in Idaho?
Aside from paying on time and providing them with complete information, you don’t have to do anything for them.
What is the least expensive car insurance an 81 year old man can get in Idaho?
State Farm is the least expensive in the state according to Penny Geeks. In the meantime check out car insurance for veterans if you happen to be stationed at Mountain Home Air Force Base.
What insurance should I take for an Idaho driving test in a borrowed car?
In Idaho, you need to provide a proof of liability insurance before you can proceed with the driving test. That goes for whether you own the car or not.
Do you need a car insurance when you have a learner's permit in Idaho?
No. The parents or someone in the household with an auto insurance only need to notify the insurance company to extend the insurance to the household member with a learner’s permit.
Special situations may be difficult to navigate with such as being enlisted or being broke. This section should help you better assess those situations.
Can military members keep their Idaho car insurance when they leave the state?
No. You have to register and acquire insurance in the state they would declare as their home address.
Who helps with paying insurance for the car while I get caught up in Idaho?
Unfortunately, Idaho does not have government-sponsored car insurance for low-income families.