Cheapest Car Insurance Rates in 2023
Get a Quick Quote
Cheap SR 22 Auto Insurance in Idaho: Best Companies & Quotes
Personal Finance Expert
Tyron Jones is a finance expert who has operated within the auto insurance business for more than 10 years. He has written many other finance related articles for a number of prominent publications.
If you’re looking for insurance in Idaho for your vehicle that’s more affordable, you’re not alone. Many people want to find something cheaper and better, but they don’t know where to begin looking. Even more common, drivers don’t understand why their neighbor, friend, sister, or anyone else has a lower rate than they have, but they have the same car or policy. It’s helpful to become familiar with the factors and the driving force behind cheap auto insurance in Idaho before you make the switch.
Best Car Insurance Companies in Idaho
- State Farm
- Farm Bureau Mutual of Idaho
|USAA||Travelers||State Farm||Geico||Farmers||Farm Bureau Mutual of Idaho|
|AM Best Financial Strength Rating||A++||A+||A++||A++||A||A|
|JD Power 2019 Overall Customer Satisfaction score||5/5||3/5||3/5||3/5||3/5||N/A|
|Avg Annual Premium||$517||$837||$793||$858||$1,077||$455|
|Consumer Reports Reader Score||92||N/A||78||78||72||N/A|
|BBB Rating||Not Rated||A||B+||A+||A+||Not Rated|
Auto Insurance Statistics in Idaho
According to NAIC.org, auto insurance premiums in Idaho have been decreasing over the past decade. Drivers in Idaho will enjoy having lower insurance rates than most states nationwide. The data depicts average car insurance rates in Idaho compared to the rest of the nation.
Top 10 Cheapest Car Insurance Companies in Idaho
|Rank||Company Name||Avg. Annual Premium|
Drunk Driving Fatalities
Drunk driving fatalities claim lives every year and when this occurs, the incidence is reported. The National Highway Traffic Safety Administration reported fatalities in Idaho as fluctuating in recent years when compared to the national average.
Drunk driving fatalities in Idaho from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Idaho is an issue that has affected the state for many years. Statistics show teen drinking and driving in Idaho as being below the national average. The below statistics represent the percentage of Idaho drivers that are teenagers who are drinking and driving when compared with national averages.
Teen Drinking & Driving in Idaho vs. Nationwide (2017)
SR-22 Insurance in Idaho
If you receive a DUI or commit another type of driving infraction, you might receive an order to obtain an SR-22 insurance policy before you can begin driving again. This type of insurance policy allows you to provide direct evidence to the DMV that you have the correct level of insurance coverage. Your insurance provider will provide proof that you own the policy — they will also immediately notify the authorities if you cancel it.
In Idaho, drivers need $15,000 worth of property damage coverage — this is slightly higher than what you find in other states. Additionally, you will need $20,000 of coverage for injury to a single person, and $50,000 worth of coverage for injury to multiple people. Stay up to date with these figures, as they may change if regulations are altered.
Car Theft in Idaho
Car theft is a problem nationwide but with the right coverage from a comprehensive auto insurance policy, you can have the proper protections in place. The below data shows how Idaho ranks against other states nationwide in the number of car thefts.
Vehicle thefts by rank nationwide vs. Idaho
Uninsured Motorists in Idaho
When picking an auto insurance policy, it helps to choose uninsured and underinsured motorist coverage. This will protect you in the event that another driver does damage to your property or causes you personal injury. The below data shows how well Idaho ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
What Affects Your Insurance?
For many, it’s what you drive that affects your insurance policy, but it’s not always the case. While the type of vehicle you drive plays a profound role in determining how much you pay for insurance, it’s not the only factor.
- Age of your vehicle
- Type of car
- Your age, gender, sex, address
- Your employment
- Your credit history and driving history
- Where you live
Idaho residents need to consider all these factors before they find the best car insurance companies. Each one plays a profound role in determining whether you’ll be offered a low rate or one that comes with a slightly higher price tag.
Your Location Affects Your Auto Insurance Rates
Idaho residents don’t all get the same rate for being in the same state. Someone who lives in a nice neighborhood without any major streets nearby is going to get a lower rate for insurance than a family who lives in a neighborhood near an interstate or in a high crime area, because they’re more likely to be robbed or have their car hit by an uninsured driver if the economic situation around there isn’t perfect.
Your Credit Score
Someone with bad credit is going to pay more for car insurance because the insurance companies are going to find them riskier to invest in. Your lack of ability to care for your finances tells the insurance company you’re not a great candidate for good rates, and they’ll charge you far more. If you have several tickets, accidents, and other driving infractions on your driving history, you’re also going to pay more.
Insurance companies want to work with people who aren’t a risk to them. They pay a lot of money when your driving is imperfect. They want to ensure they’re getting enough from you to cover what they might pay out when your driving skills aren’t adequately used.
Your age, gender, and sex affect your rates because some people are just considered more dangerous drivers. Young men and older women are more likely to cause an accident, and men in general, are less careful drivers than women. Married couples are seen as more responsible, and they often pay a much lower rate for their car insurance.
If you work in an industry that is considered dangerous or has you on the road often, you’ll pay more money for your insurance. It’s a factor everyone considers when they offer insurance rates to their new clients.
There are things you can do to help lower rates on your own. Ask your insurance company for a discount for being a safe driver or being a long-time loyal customer to their brand. Ask for a discount based on the number of safety features your car is equipped with. You can pay less if you know how to ask for a lower rate, or you take the time to shop around for the best rates available for drivers in Idaho.
Types of Auto Insurance Coverage in Idaho:
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Bodily Injury Liability Insurance
- Property Damage Liability Insurance
- Comprehensive Insurance Coverage
Minimum Requirements For Car Insurance in Idaho
There are minimum requirements for car insurance in the state of Idaho. The basic type of coverage that every driver in Idaho is required to have is liability coverage in accordance with the rules of the Department of Insurance.
Idaho Liability Coverage minimum coverage:
- $15,000 for property damage coverage.
- $25,000 coverage for an accident with a single-individual bodily injury or death.
- $50,000 coverage for an accident involving with multiple-individual bodily injuries or deaths.
Failure to properly insure a vehicle in the state of Idaho can result in fees and citations.
Source: Department of Insurance
New Driver Licensing Requirements in Idaho
Applicants for a driver’s license in the state of Idaho must take a written and vision test. Applicants under the age of 17 will need to complete the state’s graduated drivers license program which allows them to get a standard driver's license. Additionally, they would also need to complete an approved driving training program where there is 6 hours of in-car observation and 30 hours in the classroom.
In order to take the vision exam, all applicants need to be a minimum of 15 years of age. They will also need to be at least 15 to take the written and skills tests.
Cheap Auto Insurance Discounts
At CheapAutoInsurance.co, our goal is to help you find the best deals on affordable auto insurance in Idaho. Browse through the list of car insurance discounts below to see if any of the discounts can be applied to your situation.
- Mature driver discount
- Car safety features discount
- Military or Veteran discount
- Infrequent usage discount
- Multi-car auto insurance discount
- Anti-theft discount
- Senior citizen discount
- Defensive driving discount
- Good student discount
- Low-mileage discount
- Bundling insurance policies discount
General Information on Auto Insurance in Idaho
In this section, you’ll find the most basic need-to-knows for your auto insurance.
What are the minimums for Idaho auto insurance?
- $25,000 bodily injury per person per accident.
- $50,000 bodily injury for all persons per accident.
- $15,000 property damage liability.
- $25,000/$50,000 uninsured/underinsured motorist coverage.
What is the normal auto coverage insurance for Idaho driver?
What car insurance is required in Idaho?
How much car insurance does a real estate agent need in Idaho?
Who is required to have auto insurance in Idaho?
How do I get car insurance in Idaho without a driver’s license?
In the state of Idaho, how long do you have to switch over your insurance to insure your new car?
How long do I have to get insurance after buying a used car in Idaho?
What are the minimum Idaho car insurance requirements on owned vehicles?
What is considered full coverage car insurance for Idaho?
What is your car coverage with your insurance policies in Idaho when buying a new car?
According to Idaho law, how long does it take to buy auto insurance?
What is an emergency road service coverage and why you need it for your Idaho auto insurance?
Auto Insurance Costs
Are you getting a bang-for-buck deal or are you being overcharged? In this section, you’ll get a clearer idea how much you should be paying.
How much does car insurance cost in Idaho?
How much is minimum car insurance for a financed car Idaho?
How expensive is car insurance in Idaho?
Why is car insurance so expensive in Idaho?
How much is car insurance in Idaho for new drivers?
What are the new Idaho auto insurance discounts available?
What state has cheaper auto insurance Idaho vs Utah?
How much is car insurance for a 20-year-old in Idaho?
How much is full coverage auto insurance for a 23-year-old in Idaho?
How much is insurance and registration for a car in Ada County, Idaho?
How much is insurance on a compact car in Idaho?
How do I beat Idaho high auto insurance?
How much does SR22 insurance cost in Idaho?
Where can I get cheap motorcycle insurance?
Fines, Penalties, and Accidents
This section will cover the consequences of poor driving habits and not having an insurance.
How much is the fine for not having car insurance in Idaho?
What happens in Idaho if your high risk auto insurance lapses?
What happens in court if I got in a car accident without insurance in the state of Idaho?
How much will a speeding ticket cost me on my monthly car insurance premium in Idaho?
Whose insurance covers a car being test driven when for sale in Idaho?
When does your insurance totals your car in Idaho?
How long do you have to file an auto insurance claim in Idaho?
How do I file a complaint against an auto insurance company in Idaho?
What if someone hits your car and you don't have insurance Idaho?
According to Idaho insurance law, what happens when at fault driver refuse to pay?
Insurance Guide and Recommendations
If you’re looking for particular features of an insurance company, you’ll find them here.
Who are the largest auto insurance companies in Idaho?
What is the best home/car insurance company in Idaho?
How do I find the best car insurance in Idaho?
What auto insurance in Idaho does consumer reports rate as very good?
Which Idaho auto insurance policies cover towing?
Where can I find the phone number for Amica auto insurance in Caldwell, Idaho?
Who has the cheapest auto insurance Idaho?
What should do for your auto insurance companies in Idaho?
What is the least expensive car insurance an 81 year old man can get in Idaho?
What insurance should I take for an Idaho driving test in a borrowed car?
Do you need a car insurance when you have a learner's permit in Idaho?
Special situations may be difficult to navigate with such as being enlisted or being broke. This section should help you better assess those situations.