Auto Insurance in Idaho: Save Money and Avoid Risk

The cheapest car insurance rates in Idaho are found among the six major companies. The least expensive company is Geico, which charges $737 a year for full coverage with a clean driving record and an excellent credit score. USAA follows at $849 a year for full coverage, Progressive comes in third at $870 a year, State Farm is fourth at $872 a year, and Farmers is fifth at $976 a year. The most expensive company is American Family Mutual, which charges $1,748 a year for full coverage; this result was arrived at by adding the state’s average insurance surcharge for drivers with one moving violation to the annual premium of American Family Mutual.

Auto Insurance in Idaho

Cheap Full Coverage in Idaho

The cheapest full coverage car insurance rates in Idaho are among the six large companies. Geico again offers the least expensive full coverage premium at $1,763 a year. American Family Mutual follows with $2,080 a year, Progressive is third at $2,085 a year, State Farm is fourth at $2,141 a year, USAA is fifth at $2,183 a year, and Farmers is sixth at $2,290 a year.

Best Car Insurance Companies

NerdWallet’s annual study of the best car insurance companies includes ratings for 26 insurers in Idaho. For the second year in a row, USAA is the only company in Idaho with an overall score of “A.” USAA’s financial strength rating is “Superior,” and its customer service, claims processing, price, and coverage are all rated “Excellent”. Allstate ranks second at $1,067 a year. State Farm has an overall score of “B+”, but drops to $1,043 a year because of its “Few Complaints” financial strength rating. Allstate’s rates go down for having 17 complaints to State Farm’s six; thus, it becomes less expensive. GEICO has an overall score of “B+.” Its coverage is rated “Excellent,” but its price (and therefore rank) drops to $871 a year.

Compare Idaho Quotes Online

Quotetag.com, an independent company that collects car insurance quotes online, calculated the average cost of full coverage in Idaho at $1,451 per year for 20-year-old drivers and $2,125 for 65-year-olds. Allstate ranked with the least expensive quotes for both age groups. State Farm was second among 65-year-olds, and USAA ranked second among 20-year-olds with a quote of $1,553 yearly. Geico ranked as the most expensive company for 20-year-olds with a quote of $2,645 a year, and Allstate ranked as the most expensive company for 65-year-olds with a quote of $3,858 a year.

Drivers With A DUI in Idaho

The least expensive car insurance company for drivers who have received one moving violation and/or DUI is Geico with an annual premium of $2,645. Allstate ranks second with an annual premium of $2,688. Progressive is third with a quote of $3,094. State Farm is fourth at $3,382. Farmers rank fifth at $5,026 per year. USAA ranks last for drivers with one moving violation or DUI with an annual premium of $7,953 per year.

The cheapest company for drivers with two and three moving violations and/or DUIs is Allstate. Farmers rank second at $3,219 a year. USAA ranks third with an annual premium of $3,231 per year. Progressive is fourth at $3,497 a year. State Farm comes in fifth at $4,146 a year. Geico is the most expensive at $4,244 a year.

Drivers With Tickets in Idaho

Drivers with one moving violation or DUI can expect to pay an average of $2,802 for full coverage insurance from State Farm and $3,382 from Farmers. USAA and Allstate come with quotes of $3,366 and $3,442 a year. GEICO ranks fourth at $3,588 a year. Progressive is the most expensive for drivers with one moving violation or DUI with a quote of $4,244 a year. Geico is the cheapest insurer for drivers who have received two moving violations and/or DUIs at $5,023 a year.

Drivers With Bad Credit in Idaho

NerdWallet’s annual study of car insurance companies for bad credit drivers reveals that Allstate and GEICO are the least expensive companies for full coverage. Among large companies, State Farm ranks as the most expensive with an annual premium of $1,827; Farmers is second at $1,945 a year, and Progressive is third at $2,085. USAA ranks as the most expensive among small companies with an annual premium of $3,234. GEICO has an annual premium of $1,827 for bad credit drivers in Idaho. Allstate’s average quote for full coverage is $2,296.

Seniors in Idaho

State Farm is the least expensive company for senior citizens in Idaho offering quotes for full coverage at $1,154 a year. Among large companies, Progressive is the most expensive with an annual premium of $1,709; Farmers ranks second at $1,769 a year; GEICO is third with a quote of $1,814 a year; and Allstate is fourth with an annual premium of $2,024. USAA ranks as the least expensive company among small companies at $2,094 per year for full coverage.

Student Drivers In Idaho

State Farm offers the cheapest car insurance quotes for student drivers in Idaho with an annual premium of $1,300. USAA ranked the most expensive with a quote of $2,719 per year. Farmers rank second with a quote of $1,849 yearly; GEICO comes next with a quote of $2,040, and Allstate is fourth at $2,076 per year. Progressive ranks as the most expensive for student drivers with a quote of $2,883 per year.

Military Drivers In Idaho

The cheapest car insurance quotes for military personnel come from USAA and GEICO at $1,972 annually. Farmers is next at $2,049 a year followed by Allstate at $2,084; State Farm ranks fourth at $2,114 per year. Progressive is the most expensive military insurer for full coverage with a quote of $3,098 per year.

Car Insurance in Idaho

State Farm offers the cheapest rate for car insurance in Idaho with an average first-year premium of $1,265. GEICO ranked as the most expensive with an average annual rate of $1,849 for full coverage. Farmers are second at $1,916 a year; Allstate has an average quote of $2,035 yearly, and Progressive ranks fourth at $2,153 each year. USAA comes in last with an average first-year rate of $2,820 per year.

Conclusion

If you’re looking for cheap car insurance rates in Idaho, this guide will help. The cheapest company is Geico, which charges $737 yearly for full coverage with a clean driving record and an excellent credit score. USAA follows at $849 a year for full coverage, Progressive comes in third at $870 a year, State Farm is fourth at $872 a year, and Farmers is fifth at $976 a year; the most expensive company is American Family Mutual who charge customers over double of what they would pay to insure their cars if they went with Geico or USAA ($1,748). Hope this guide has helped you! Good luck on your journey towards finding affordable auto insurance!

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