Best car insurance in Idaho for 2021

Idaho has more than 1.2million drivers. This state is becoming busier. Idaho car insurance is not only a requirement, it is an essential part of your financial planning.

There are many factors to consider when shopping for best Idaho car insurance. The average cost of full-coverage car insurance in Idaho is $1.045. However, your individual needs will determine your final cost. Consider how much and when you will pay, which deductible options you have, and what coverage and discounts you want.

Idaho’s best car insurance companies

The Bankrate insurance editorial team reviewed all available car insurance options in Idaho. They selected five top-rated companies based on market share to help you in your search. We first looked at the average annual premiums from Quadrant Information Services when deciding which Idaho car insurance companies are best. We also considered customer satisfaction scores, financial strength ratings and available coverages. All of these factors were combined to create a Bankrate Score. These scores are based on 5.0. Companies with a higher score at Bankrate received higher scores in all rating categories.

Auto-Owners

Auto-Owners sells insurance through an independent network. Auto-Owners has strong attributes such as its discounts and add-on coverage. There are also fewer options to manage your policy online. Auto-Owners also offers many endorsement options, such as gap insurance, diminished coverage, and a common loss deductible. Your collision deductible could be waived if you are involved in an accident with another driver who is covered by Auto-Owners.

Geico

Geico is known for its low rates. Geico offers discounts for Idaho residents, including multi-policy, military, good student and federal employees. Geico doesn’t offer any optional coverages so the coverage is very basic. Geico is a good option if you’re interested in mobile tools. The website and mobile app of Geico allow you to make claims, pay bills, and request quotes.

All over the country

If you’re looking for an easy way to file claims, Nationwide might be the right choice. Nationwide’s On Your Side Auto Repair Network is a network that includes auto repair shops. After a claim, you’ll receive a guarantee that your vehicle will be fixed by one of these shops. Nationwide offers a variety of coverage options and discounts to allow you to customize your policy to meet your needs.

State Farm

State Farm is a well-known name in the insurance industry. The company is actually the biggest personal auto insurance carrier within the country. State Farm is a great option if you prefer to work with a live agent. It operates through a nationwide network. State Farm may also be an option for teens driving. The company offers many discounts to young drivers, such as a great student discount and driver training discount.

USAA

USAA does not receive an official ranking by J.D. Power is a company that sells insurance only to military personnel and their immediate family members. However, Power regularly receives high customer satisfaction scores. USAA may offer savings if you are eligible for coverage. According to the company, drivers can save $707 annually by switching to USAA’s car insurance coverage. It also has the lowest average premium of all providers on our list. If you’re a safe driver and don’t drive, or if your car is stored on a military base, you may be able to save.

Average price of Idaho car insurance

Idahoans pay on average $1,045 annually for full coverage, and $307 annually to get minimum coverage. This is significantly lower than the average cost of car insurance which is $1674 per year for full coverage, and $565 for minimal coverage.

For a variety of reasons, insurance rates for Idaho drivers could be lower. Car insurance rates are partly based on risk. Idaho drivers might be more likely to get into an accident than drivers from other areas of the country.

Idaho’s minimum insurance requirements

Idaho, like most states, requires that drivers have at least certain minimum levels of car coverage to be able to drive legally. Idaho residents must have the following coverage on their car insurance:

  • $25,000 per person for bodily injury
  • $50k bodily injury per accident
  • $15,000 for property damage

Idaho insurance companies must also offer coverage for uninsured or underinsured motorists. However, you can reject these options in writing.

Minimal coverage is usually the most affordable option for car insurance. However, you might want to consider higher liability limits if your budget allows. This will provide financial protection. You will be responsible for any excess damages incurred by you if you cause an accident that exceeds your insurance limits. You have an additional layer of financial protection with higher liability limits.

You will not be covered for your vehicle if you exceed the minimum limits. You will need to have full coverage in order to get this protection. Your financial institution may require that you have complete coverage if you have a loan, lease, or other type of credit.

How to get the best car coverage

There are several steps that you can take to find the best Idaho auto insurance. It may be helpful to search for insurance companies within your area and understand your unique rating factors.

  • Assess your insurance needs. Everyone has different needs. Price may be the most important factor if you have a tight budget. You may need to insure multiple policies. Bundling discounts and simplified policy management can be a benefit. A company that offers discounts for teens is a good choice if you have a teenage driver. The first step in choosing a company is to understand what you value most about your insurance policy.
  • Take into account state factors. You need to have at least the minimum state limits in order to drive legally on Idaho roads. However, you might also need to take into consideration other specific location factors. Comprehensive coverage may be a good option if your car is stored outside or you live in an area that is susceptible to severe weather. Roadside assistance coverage is a great option if you travel frequently.

Talking to a licensed agent can help you determine the coverages that you need.

Idaho offers car insurance discounts

Nearly all insurance providers in Idaho offer at least one policy discount. You should ask every Idaho car insurance company you are considering for quotes about what discounts they may offer. These are some of the most popular Idaho discounts:

  • Loyalty discounts are available: While shopping for car insurance can help you get a lower premium but many companies offer loyalty discounts to keep your policy in effect for a few years.
  • You may be eligible for discounts on safe driving if you haven’t filed a claim in the past or received a ticket in the last several years.
  • Multi-policy discounts Bundling discounts are offered by some companies for policies that include other types of insurance, such as boat or pet insurance.
  • Discounts for members of associations: Some companies may offer discounts to members who are part of an alumni group or a national club.

Many insurance companies offer different discounts. While discounts can be viewed on the company website, you may also speak to an agent to find out what savings options are available to you.

Questions frequently asked

Which Idaho insurance policy is best?

Every driver has a different set of circumstances, so the best auto insurance company for you will be different. The best way to find the right policy is to identify the most important things to you. This includes digital tools and low premiums. You can then get quotes from several providers to find the one that best suits your needs.

What information do you need to obtain car insurance in Idaho

Personal information, such as your name, address, VIN, and date of birth, will be required. It may help to have your declarations page if you already have insurance. This will provide you with a lot of information that you’ll need when you shop for new coverage.

If I file a claim, will my insurance premium increase?

After you file a claim, there is always the possibility of your premium increasing. This is more common for at-fault claims than for not-at-fault losses. After an at-fault loss, most insurance companies will increase your premium for up to three to five years. Your premium may rise if you have at-fault losses. Talking to an agent is the best way to find out how your insurance company handles claims.