See Idaho car insurance cost for both new and used cars by auto values, deductibles and credit scores. Also see what coverage you need and where you can cut costs without leaving yourself in trouble.
Once ready, see the best local and statewide car insurers.
Curious about car financing? See real Idaho car loan rates shared by our community. Also find Idaho best car loan lenders in your area (community recommended as well).
Idaho’s 25/50/15 Rule: What It Covers
Idaho law requires drivers to carry liability coverage. This part of your policy pays for injuries and damage you cause to others in a crash.
- $25,000 for injuries to one person. This pays for medical bills if you hurt someone in a crash.
- $50,000 for injuries to more than one person in a single crash. This is the total amount your insurance will pay for all injured people combined.
- $15,000 for property damage. This pays to fix or replace what you damage, like another car, a fence, or a building.
Idaho does not require coverage for injuries caused by uninsured drivers. You can add this protection to help cover costs if the other driver has no insurance.
MFP Tip: Rural crashes can lead to long recovery times and higher medical costs. Higher liability limits can help protect your finances.
Idaho New Car Insurance Costs
Your new auto insurane price depends on the value of your car, how much coverage you choose, and your credit history. New cars often cost more to insure because repairs and replacement parts are more expensive.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $60K | Full | $146 | $169 | $185 | $298 |
| Standard | $122 | $142 | $155 | $250 | |
| Liability only | $81 | $94 | $103 | $166 | |
| $40K-$60K | Full | $123 | $143 | $156 | $252 |
| Standard | $102 | $119 | $130 | $210 | |
| Liability only | $69 | $81 | $88 | $142 | |
| $25K-$40K | Full | $108 | $125 | $136 | $220 |
| Standard | $89 | $104 | $113 | $183 | |
| Liability only | $61 | $72 | $78 | $126 | |
| Below $25K | Full | $94 | $110 | $120 | $193 |
| Standard | $78 | $90 | $98 | $159 | |
| Liability only | $54 | $63 | $69 | $111 |
Idaho Used Car Insurance Costs
Used cars in Idaho cost less to insure, but dropping coverage for your own car can leave you paying out of pocket after a crash, a theft, or storm damage.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $40K | Full | $110 | $128 | $140 | $225 |
| Standard | $92 | $107 | $116 | $188 | |
| Liability only | $62 | $72 | $79 | $127 | |
| $15K-$40K | Full | $92 | $107 | $116 | $188 |
| Standard | $76 | $89 | $96 | $156 | |
| Liability only | $53 | $61 | $67 | $108 | |
| Below $15K | Full | $77 | $90 | $98 | $158 |
| Standard | $63 | $73 | $80 | $129 | |
| Liability only | $45 | $52 | $57 | $92 |
Most insurers group policies into three coverage levels:
- Full: Includes liability plus coverage for damage to your own car, even if you cause the crash or weather damages your vehicle.
- Standard: Higher liability limits than the state minimum, with or without coverage for your own car.
- Liability Only: Covers injuries and damage you cause to others, but not your own car.
How Credit History Influences Idaho Car Insurance Prices
In Idaho, insurers can use your credit history when setting your price. Drivers with strong credit often pay less, while drivers with below-fair credit usually pay much more for the same coverage.
In many cases, a driver with weak credit can pay 50 to 65 percent more than a driver with excellent credit, even if both have similar cars and clean driving records.
MFP Tip: If your credit improves, request a new quote before your renewal date. A better credit history can lead to a lower bill.
Find the Right Coverage
If you finance or lease a new car, your lender will require coverage that pays to repair or replace your car after a crash or storm. This protects their investment until the loan is paid off.
Gap insurance can help during the early years of a loan. If your car is totaled, it covers the difference between what your car is worth and what you still owe.
For used cars, the 10 percent test can guide your choice. If your yearly coverage cost is more than 10 percent of your car’s value, you may want to keep only liability and drop coverage for your own car.
Why Idaho’s Minimums Can Leave You Paying Up
When You Damage Someone’s Property
Many vehicles on Idaho roads cost more than $15,000 to repair. If your limit runs out, the rest of the bill can fall on you.
If You Injure Someone
Medical care and missed work can push costs past $25,000 for a single person. If more than one person is hurt, the $50,000 total limit has to cover everyone.
When an Uninsured Driver Hits You
Coverage for injuries and damage to your own car can help when the other driver cannot pay.
What Shapes Idaho Rates
Idaho uses an at-fault system. The driver who causes the crash is responsible for injuries and damage, which makes strong liability limits more valuable.
Snow, ice, and strong winds can damage vehicles and lead to claims across the state.
Traffic around Boise and major routes like I-84 and I-90 raises the chance of minor crashes and repair costs.
How to Keep Your Idaho Car Insurance Affordable
- Bundle policies. Putting home or renters insurance with the same company can lead to lower prices.
- Take a defensive driving course. Some insurers offer discounts for approved classes.
- Use safe-driver tracking programs. These track how you drive and can lower your rate if you avoid hard braking and late-night trips.
- Compare quotes. Prices can vary widely between companies for the same driver and car.
- Raise your deductible. This is the amount you pay out of pocket before insurance kicks in.
MFP Tip: If you drive mostly on rural or mountain roads, ask about low-mileage discounts. Some insurers offer lower rates for drivers who spend less time on the road.
What to Do After Buying a Car in Idaho
You need insurance in place before you can register your vehicle. Dealers often submit paperwork for new cars, while private sales leave the steps to you.
Registration and title work go through the Idaho Transportation Department. New residents and in-state buyers have a short window to complete the process.
Review your coverage once a year. As your car’s value drops, you may be able to adjust your policy and lower your costs.
Idaho Best Car Insurance
Find Idaho best local insurers by metro areas based on community recommendations
Boise, Meridian, Nampa, Idahofalls, Pocatello, Caldwell, Coeur d’Alene, Twinfalls
Boise Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Boise’s area are The Hartwell Corporation, Chris Baldwin, agent, State Farm and Juliet Blick, agent, State Farm.
The Hartwell Corporation (91% Recommend)
- The Hartwell Corporation ranks first with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the strongest combined guidance-and-premium profile among the top 3.
- Customer feedback and agency signals point to strong Boise-area comparison help, practical coverage guidance, and useful support for drivers shopping car insurance.
Chris Baldwin, agent, State Farm (90% Recommend)
- Chris Baldwin ranks second with a 4.8 Support & Guidance rating and ties the top 3’s highest Easy Application score at 4.8.
- Customer feedback and local agent signals support easy quote help, clear coverage guidance, and dependable auto insurance service.
Juliet Blick, agent, State Farm (89% Recommend)
- Juliet Blick ranks third with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Chris Baldwin on support and value.
- Customer feedback and local agent signals point to responsive service, practical quote help, and dependable Boise car insurance guidance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| The Hartwell Corporation | Agency | 4.7 | 4.8 | 4.9 | 91% |
| Chris Baldwin, agent, State Farm | Insurer | 4.8 | 4.7 | 4.8 | 90% |
| Juliet Blick, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Ian Johnson, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Collin Leino, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Geoff Lewis, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Shauna Mickens, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Brayden Nielson, agent, State Farm | Insurer | 4.6 | 4.5 | 4.6 | 85% |
| Corry Perkins, agent, State Farm | Insurer | 4.5 | 4.5 | 4.6 | 85% |
| Derek Poppell, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 84% |
| HUB International | Broker | 4.5 | 4.4 | 4.6 | 84% |
| Boise Insurance Agency | Agency | 4.5 | 4.4 | 4.5 | 83% |
| Nationwide Independent Agents | Agency | 4.5 | 4.4 | 4.5 | 83% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Meridian Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Meridian’s area are Kathy Chambers, agent, State Farm, Steve Crowl, agent, State Farm and Albert Rivera, agent, State Farm.
Kathy Chambers, agent, State Farm (91% Recommend)
- Kathy Chambers ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to strong Treasure Valley service, clear quote support, and dependable auto insurance guidance.
Steve Crowl, agent, State Farm (90% Recommend)
- Steve Crowl ranks second with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, matching Kathy Chambers on support and leading on premium satisfaction.
- Customer feedback and local office signals support practical coverage help, responsive service, and useful guidance for Meridian drivers.
Albert Rivera, agent, State Farm (89% Recommend)
- Albert Rivera ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Steve Crowl on service and ease.
- Customer feedback and local agent signals point to clear policy explanations, Spanish-language support, and dependable car insurance service.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Kathy Chambers, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 91% |
| Steve Crowl, agent, State Farm | Insurer | 4.7 | 4.8 | 4.9 | 90% |
| Albert Rivera, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Treasure Valley Insurance | Agency | 4.7 | 4.7 | 4.8 | 88% |
| The Hartwell Corporation | Agency | 4.7 | 4.6 | 4.8 | 88% |
| HUB International | Broker | 4.6 | 4.6 | 4.7 | 86% |
| Boise Insurance Agency | Agency | 4.6 | 4.5 | 4.7 | 86% |
| Nationwide Independent Agents | Agency | 4.5 | 4.4 | 4.5 | 83% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Nampa Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Nampa’s area are Ken Wells, agent, State Farm, Shawn Kerr, agent, State Farm and Beau Murray, agent, State Farm.
Ken Wells, agent, State Farm (91% Recommend)
- Ken Wells ranks first with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the strongest combined guidance-and-premium profile among the top 3.
- Customer feedback and local agent signals point to experienced Nampa service, clear policy guidance, and dependable auto insurance support.
Shawn Kerr, agent, State Farm (90% Recommend)
- Shawn Kerr ranks second with a 4.9 Support & Guidance rating and ties the top 3’s highest Easy Application score at 4.8.
- Customer feedback and local office signals support easy quote help, practical coverage explanations, and responsive service.
Beau Murray, agent, State Farm (89% Recommend)
- Beau Murray ranks third with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Shawn Kerr on support and value.
- Customer feedback and local agent signals point to helpful communication, clear quote support, and dependable Nampa car insurance guidance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Ken Wells, agent, State Farm | Insurer | 4.7 | 4.8 | 4.9 | 91% |
| Shawn Kerr, agent, State Farm | Insurer | 4.8 | 4.7 | 4.9 | 90% |
| Beau Murray, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Kathy Chambers, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Treasure Valley Insurance | Agency | 4.7 | 4.6 | 4.7 | 87% |
| Mike Hanson, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Garrett Miyauchi, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Nationwide Independent Agents | Agency | 4.5 | 4.4 | 4.5 | 83% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Idahofalls Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Idaho Falls’s area are Jory Inama, agent, State Farm, Nate Blanchard, agent, State Farm and Bobby Romander, agent, State Farm.
Jory Inama, agent, State Farm (91% Recommend)
- Jory Inama ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to strong Idaho Falls service, clear quote support, and dependable car insurance guidance.
Nate Blanchard, agent, State Farm (90% Recommend)
- Nate Blanchard ranks second with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, matching Jory Inama on support and leading on premium satisfaction.
- Customer feedback and local office signals support responsive service, practical policy help, and useful coverage guidance.
Bobby Romander, agent, State Farm (89% Recommend)
- Bobby Romander ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Nate Blanchard on service and ease.
- Customer feedback and local agent signals point to personalized coverage help, clear quote support, and dependable auto insurance service.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Jory Inama, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 91% |
| Nate Blanchard, agent, State Farm | Insurer | 4.7 | 4.8 | 4.9 | 90% |
| Bobby Romander, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Ray Infanger, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Chris Dinkelman, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Leavitt Group Insurance | Broker | 4.6 | 4.6 | 4.7 | 86% |
| HUB International | Broker | 4.6 | 4.5 | 4.7 | 86% |
| Nationwide Independent Agents | Agency | 4.5 | 4.4 | 4.5 | 83% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Pocatello Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Pocatello’s area are Aaron Moore, agent, State Farm, Summer Jackman, agent, State Farm and Steve Roberts, agent, State Farm.
Aaron Moore, agent, State Farm (90% Recommend)
- Aaron Moore ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to strong Pocatello service, clear quote support, and dependable car insurance guidance.
Summer Jackman, agent, State Farm (89% Recommend)
- Summer Jackman ranks second with a 4.8 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the highest premium-satisfaction score among the top 3.
- Customer feedback and local office signals support helpful communication, practical coverage explanations, and responsive policy support.
Steve Roberts, agent, State Farm (88% Recommend)
- Steve Roberts ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Aaron Moore on ease and support.
- Customer feedback and local agent signals point to experienced service, clear auto insurance help, and dependable coverage guidance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Aaron Moore, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 90% |
| Summer Jackman, agent, State Farm | Insurer | 4.7 | 4.8 | 4.8 | 89% |
| Steve Roberts, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 88% |
| Dave Shelton, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Bob Hunt, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Leavitt Group Insurance | Broker | 4.6 | 4.5 | 4.7 | 86% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Caldwell Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Caldwell’s area are Garrett Miyauchi, agent, State Farm, Mike Hanson, agent, State Farm and Ken Wells, agent, State Farm.
Garrett Miyauchi, agent, State Farm (90% Recommend)
- Garrett Miyauchi ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to decades of local experience, clear coverage help, and dependable Caldwell auto insurance guidance.
Mike Hanson, agent, State Farm (89% Recommend)
- Mike Hanson ranks second with a 4.8 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the highest premium-satisfaction score among the top 3.
- Customer feedback and local office signals support clear policy help, responsive service, and useful car insurance guidance.
Ken Wells, agent, State Farm (88% Recommend)
- Ken Wells ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Garrett Miyauchi on ease and support.
- Customer feedback and nearby Nampa service signals point to experienced coverage guidance, practical quote support, and dependable auto insurance help.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Garrett Miyauchi, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 90% |
| Mike Hanson, agent, State Farm | Insurer | 4.7 | 4.8 | 4.8 | 89% |
| Ken Wells, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 88% |
| Shawn Kerr, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Treasure Valley Insurance | Agency | 4.6 | 4.6 | 4.7 | 86% |
| Nationwide Independent Agents | Agency | 4.5 | 4.4 | 4.5 | 83% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Twinfalls Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Twin Falls’s area are Matt Stokes, agent, State Farm, Doug Stokes, agent, State Farm and Patrick Buchanan, agent, State Farm.
Matt Stokes, agent, State Farm (91% Recommend)
- Matt Stokes ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to long-running Magic Valley service, clear quote support, and dependable auto insurance guidance.
Doug Stokes, agent, State Farm (90% Recommend)
- Doug Stokes ranks second with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, matching Matt Stokes on support and leading on premium satisfaction.
- Customer feedback and local office signals support experienced service, practical coverage help, and strong policy guidance for Twin Falls drivers.
Patrick Buchanan, agent, State Farm (89% Recommend)
- Patrick Buchanan ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Doug Stokes on service and ease.
- Customer feedback and local agent signals point to professional local support, clear quote help, and dependable car insurance guidance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Matt Stokes, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 91% |
| Doug Stokes, agent, State Farm | Insurer | 4.7 | 4.8 | 4.9 | 90% |
| Patrick Buchanan, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Douglas Stokes, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Leavitt Group Insurance | Broker | 4.6 | 4.6 | 4.7 | 86% |
| HUB International | Broker | 4.6 | 4.5 | 4.7 | 86% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
End Note
Meeting the legal minimum keeps you driving, but mountain terrain, changing weather, and uninsured drivers can lead to bills that go beyond those limits.
Match your coverage to what you own and what a real crash can cost in Idaho, not just what the law requires.