Insurance in Idaho

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance

🎖️ U.S. Military Veteran 📋 Licensed in 50 States 🕐 15+ Years Experience 📅 Updated: April 10, 2026

Insurance Options in Idaho

🚗 Auto Insurance in Idaho› 🏠 Home Insurance in Idaho› 💚 Life Insurance in Idaho›

Auto Insurance Rates in Idaho (2026)

Idaho uses an at-fault/tort insurance system. The state mandates minimum liability coverage of 25/50/15. The average full coverage premium is $115/month. Here are the cheapest options:

Insurance Company	6-Month Premium	Monthly Cost
Idaho Farm Bureau ⭐	$504	$84/mo
GEICO	$522	$87/mo
Progressive	$588	$98/mo
State Farm	$648	$108/mo
Farmers	$738	$123/mo

→ Full Idaho auto insurance guide with city rates

Idaho Insurance at a Glance

$115

Avg. Monthly (Auto)

$84

Cheapest Auto Rate

25/50/15

Min. Liability Limits

Uninsured Drivers

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Popular Auto Insurance Topics in Idaho

Auto Insurance by City in Idaho

Rates vary significantly by city. Click yours for local rate comparisons:

Idaho Insurance FAQ

What insurance do I need in Idaho?

At minimum, Idaho requires liability auto insurance with limits of 25/50/15. Most Idaho residents also benefit from homeowners or renters insurance and life insurance. We can help you find the best rates for all three.

Who has the cheapest insurance in Idaho?

For auto insurance, Idaho Farm Bureau offers the cheapest full coverage at $84/month. However, rates vary by driver — comparing multiple carriers is the best way to find your lowest rate.

How can I save on insurance in Idaho?

Bundle multiple policies (auto + home), compare quotes from several carriers, maintain a clean driving record, raise your deductible, and ask about available discounts. Call us at (888) 217-6781 for a free comparison.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Idaho Department of Insurance — official state insurance regulator for Idaho.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
Idaho Transportation Department — Idaho vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.

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