Insurance Idaho

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How to Get Cheap Car Insurance Now!

Insurance Idaho: Most Affordable Rates

A State well known for its breathtaking mountain views, gems, and oddly enough potatoes! Enough about potatoes, let’s get you caught up on everything 

you need to know regarding Insurance! 

Are you taking advantage of the discounts?

Insurance Discount Calculator


New A Plus Insurance Customers in Idaho Save on Average $600..that’s almost 107,568 peanuts!

CHEAPEST INSURANCE WITH BAD CREDIT/POOR CREDIT

Did you know that Credit is a rating factor when it comes to determining your premium?

The better credit you have, the cheaper insurance rates you should expect to pay.

So folks, it does pay to listen to your parents when you are young. Keep your credit in tip top shape, and your wallet will thank you!

Top 5 Average Monthly Rates With Poor Credit in Idaho

Car Insurance CompanyAverage Monthly Payment
National General$151
Geico$153
21st Century$158
Mendota Ins. Company$162
Bristol West$164

CHEAPEST SR-22 INSURANCE


What is SR-22 Insurance in Idaho?

An SR-22 is generally required for any major violation, such as a DUI or reckless driving. The State of Idaho will require you to obtain at least liability insurance, with an SR-22 filing in order to comply. The amount of time does vary depending upon the offence, and number of offences if multiple. Stay safe drivers! 

Top 5 Average Monthly Rates In Idaho With An SR-22

Car Insurance CompanyAverage Monthly Payment
Dairyland$86
The General$90
Mendota Ins. Company$93
National General$99
Acceptance RTR$106

CHEAPEST CAR INSURANCE WITH DUI, ACCIDENTS, AND VIOLATIONS

If you’ve ever experienced a car accident, it is a scary situation and the aftermath can seem daunting. Usually, your insurance premiums will increase after an accident.

At Fault Accidents will continue to impact your insurance prices for 5 years! This is why it is so important to drive carefully for the safety of yourself, other drivers, and the cost of your insurance.

Our insurance providers we work with offer several discounts, if your premium has gone up, please shop around and look for any additional discounts that can save you a buck! 

Top 5 Average Monthly Rates in Idaho With Violations On Your Record

Car Insurance CompanyAverage Monthly Rate
AssuranceAmerica$155
National General$158
The General$160
Bristol West$161
21st Century$164

CHEAPEST LIABILITY ONLY INSURANCE

Liability Insurance Requirements vary from each State.

In Idaho, the State requires you carry 25/50/15 limits.

This means if you are At Fault in an accident, your liability limits will pay out to the other party involved.

If you opt for the Minimum Required, it will pay $25,000 per person, up to $50,000 per accident for bodily injury expenses, and $15,000 for property damage. Keep in mind though, most vehicles on the road are worth well more than $15,000 these days, so it may be in your best interest to bump up your limits.

Our agents are more than happy to explain in greater detail what these mean, and why they are so important.

Top 5 Average Monthly Rates For Liability Only In Idaho

Car Insurance CompanyAverage Monthly Payment
Dairyland$65
Progressive Insurance$94
Geico$95
Mendota Ins. Company$107
The General$109

BEST CAR INSURANCE FOR FEMALE DRIVERS

It’s a well known saying, “females are superior”, right? 

So females typically pay less for Auto Insurance.

This is based on statistics that show, females cause less damage in the event of an accident. Not to say they are better drivers than males are, they just usually don’t break the bank with car insurance claims. Males, did you know that you will get a discount for being married? Might be time to pop the question; after all, it could save you some money! 

Top 5 Average Monthly Rates For Females In Idaho

Car Insurance CompanyAverage Monthly Payment
21st Century$130
The General$138
Nationwide$144
Dairyland$145
National General$147

CHEAPEST CAR INSURANCE WITH BUNDLE HOMEOWNERS DISCOUNT

Homeownership has its responsibilities, but it does have its perks.

Insurance companies like when you bundle (take out multiple policies with them) because it will likely mean you will be a long term customer.

In return, they will reward you with savings on your insurance policies. Who doesn’t like to save?  


Top 5 Average Monthly Rates in Idaho When Bundling with Homeowners

Car Insurance CompanyAverage Monthly Payment
Dairyland$126
National General$131
Acceptance RTR$133
Nationwide$136
Geico$151

BEST AUTO INSURANCE FOR YOUNG DRIVERS

So, you just passed your license test and you’re ready to hit the road!

Don’t forget, you will need auto insurance.

In most cases, insurance for younger drivers will be more expensive, because of the lack of experience. You can do several things to keep your insurance rates cost effective, such as a driving course, Pay in full, and paperless discounts.

Top 5 Average Monthly Rates For Young Drivers In Idaho

Car Insurance CompanyAverage Monthly Payment
Bristol West$130
National General$148
The General$149
Progressive Insurance$155
21st Century$157

BEST INSURANCE WITH CLEAN DRIVING HISTORY

You can be that one friend in the friend group that brags about how cheap your car insurance is, and you’ve earned it!

If you are maintaining a clean, safe, driving history…insurance providers look at you and it’s love at first sight! They want to insure you, they want your business. They are able to offer you competitive rates to make sure they are your choice for an insurance provider.

Top Average Monthly Rates With A Clean Driving Record in Idaho

Car Insurance CompanyAverage Monthly Payment
21st Century$133
Acceptance RTR$134
GAINSCO$135
Bristol West$137
National General$141

BEST AUTO INSURANCE FOR MALE DRIVERS

Males, we all know you work hard and sometimes it seems like you can’t catch a break, even with your auto insurance.

Rest assured, the older and more experienced you get, the cheaper Idaho Insurance prices you will see. Statistics show that males in their 50s will see the cheapest rates they’ve seen in their life, even cheaper than females in the same age group. You’re luck is getting better like fine wine! 

Average Monthly Rates For Male Drivers in Idaho

Car Insurance CompanyAverage Monthly Payment
GAINSCO$156
Geico$156
AssuranceAmerica$165
National General$165
Acceptance RTR$183

CHEAPEST AUTO INSURANCE WITH GOOD CREDIT

Insurance Idaho: Good credit will pay off in many aspects in life, insurance prices being one of them.

The better the credit score you have, the cheaper the insurance prices will be. This is because credit shows your ability to make payments, and on time. 

Top 5 Average Monthly Rates For Idaho Insurance with Good Credit

Car Insurance CompanyAverage Monthly Payment
Geico$134
Dairyland$140
GAINSCO$140
Progressive Insurance$148
The General$148

BROADFORM/NON OWNERS INSURANCE

Need liability insurance but don’t own a vehicle?

You can purchase one of these policies, which covers you for liability driving any personal passenger vehicle (broadform) or any non owned vehicle (non owners).

Not sure if this is a good fit for you? Talk with one of our agents who specialize in this type of coverage.

Top 5 Average Monthly Rates For Broadform/Non Owners Insurance in Idaho

Car Insurance CompanyAverage Monthly Payment
Progressive Insurance$104
The General$112
Dairyland$115
Bristol West$146
Mendota Ins. Company$159
Additional Helpful Links
Cheapest Auto Insurance in Horseshoe
Most Affordable Car Insurance in Grand Junction
Car Insurance in Keizer

Last Updated on January 24, 2022 by Shawn Christie