Idaho Auto Insurance Rates
Median premium: $656/6mo across 10 carriers and 320 ZIP codes.
Premiums range from $520 to $1,773 — a 3.4x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$656
per 6 months
ZIP Codes
320
with rate data
Carriers
10
rated in ID
Price Spread
3.4x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $371 | 320 ZIPs | 100% | |
| 2 | Progressive | $537 | 0 ZIPs | 0% | |
| 3 | American Family | $584 | 0 ZIPs | 0% | |
| 4 | State Farm | $615 | 0 ZIPs | 0% | |
| 5 | GEICO | $634 | 0 ZIPs | 0% | |
| 6 | Nationwide | $676 | 0 ZIPs | 0% | |
| 7 | Travelers | $689 | 0 ZIPs | 0% | |
| 8 | Liberty Mutual | $707 | 0 ZIPs | 0% | |
| 9 | Allstate | $799 | 0 ZIPs | 0% | |
| 10 | Farmers | $1,433 | 0 ZIPs | 0% |
1
$371USAA#1 in 320 ZIPs (100%)
2
$537Progressive#1 in 0 ZIPs (0%)
3
$584American Family#1 in 0 ZIPs (0%)
4
$615State Farm#1 in 0 ZIPs (0%)
5
$634GEICO#1 in 0 ZIPs (0%)
6
$676Nationwide#1 in 0 ZIPs (0%)
7
$689Travelers#1 in 0 ZIPs (0%)
8
$707Liberty Mutual#1 in 0 ZIPs (0%)
9
$799Allstate#1 in 0 ZIPs (0%)
10
$1,433Farmers#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Idaho
| City | Avg Median | ZIPs |
|---|---|---|
| Lewiston | $520 | 1 |
| Princeton | $554 | 1 |
| Culdesac | $559 | 1 |
| Harvard | $568 | 1 |
| Challis | $570 | 1 |
Most Expensive Cities in Idaho
| City | Avg Median | ZIPs |
|---|---|---|
| Iona | $796 | 1 |
| Idaho Falls | $777 | 7 |
| Clark Fork | $773 | 1 |
| Ucon | $753 | 1 |
| Pingree | $752 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$811/6mo
83403 (Idaho Falls)
Cheapest ZIP
$520/6mo
83501 (Lewiston)
3.4x
Price Spread
The most expensive ZIP in Idaho costs 3.4x more than the cheapest. Your ZIP code matters more than you think.
Idaho Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Idaho
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Access ZIP-level rate data across all 10 carriers, 320 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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