Cheap Car Insurance in Idaho
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Idaho Car Insurance Minimums
Idaho requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$15,000
At-fault (tort) state.
Source: Idaho Code § 41-2502; Idaho Code § 49-117, verified 2026-09-01.
What drives car insurance rates in Idaho
Average spend per insured vehicle, 2023
$864
Idaho drivers spent $864 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
68.5¢
Auto insurers in Idaho paid 68.5 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.19
Idaho recorded 238 traffic deaths in 2024, 1.19 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
52.6
Idaho reported 1,068 motor vehicle thefts in 2025, 52.6 per 100,000 residents, from 67.4 the year before. Theft claims are paid under comprehensive coverage.
Uninsured drivers, 2023
6.4%
The Insurance Research Council estimates 6.4% of Idaho drivers carried no liability insurance in 2023, against 15.4% nationally. Uninsured motorist coverage is what pays when one of them hits you.
Natural-hazard loss rank
#43
FEMA ranks Idaho #43 of 51 for expected annual loss from natural hazards; flood accounts for 52% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Uninsured drivers, 2023: Insurance Research Council, 2023 data
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Idaho
The ten insurer groups that wrote the most auto premium in Idaho in 2025, with their share of the state total of $1.8 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Progressive Group | 20.05% | $356 million |
| 2 | State Farm Group | 17.07% | $303 million |
| 3 | Farm Bureau Group | 10.03% | $178 million |
| 4 | Allstate Insurance Group | 9.09% | $161 million |
| 5 | Liberty Mutual Group | 8.95% | $159 million |
| 6 | Berkshire Hathaway Group | 8.07% | $143 million |
| 7 | United Services Automobile Association Group | 6.77% | $120 million |
| 8 | Farmers Insurance Group | 5.46% | $97 million |
| 9 | American Family Insurance Group | 2.67% | $47 million |
| 10 | Travelers Group | 2.04% | $36 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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