Cheapest Car Insurance Quotes in Idaho Falls

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Idaho Falls Car Insurance

^$ 19

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Idaho Falls

The car insurance rate in Idaho Falls is $539 for a six-month policy, which is $11 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $309, making it a popular choice for budget-conscious drivers. Rates in Idaho Falls can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Idaho Falls

$539

Avg. Car Insurance in Idaho

$528

National Average

$1140

Cheapest Car Insurance Companies in Idaho Falls

1st place: American National P&C

At $309 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $334 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Idaho Farm Bureau

Idaho Farm Bureau offers auto insurance rates at $363 for six months, making it the third cheapest auto insurance company in Idaho Falls.

Idaho Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Idaho Falls, ID is American National P&C, offering policies at just $309 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $334.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1036 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Idaho Falls drivers find the best deals.

Cheap Car Insurance Companies in Idaho Falls, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$309	$53
Auto-Owners Insurance Co	$334	$55
Idaho Farm Bureau	$363	$62
USAA	$406	$68
Travelers	$424	$72
State Farm	$455	$77
American Family	$491	$83
American National	$540	$90
Mutual of Enumclaw	$552	$94
Farmers	$606	$102
Auto-Owners	$678	$115
Nationwide	$812	$136
Allstate	$1036	$176

Key Takeaways

Way's key takeaways about car insurance in Idaho Falls

The auto insurance costs in Idaho Falls fall around $309 for six months.
The cheapest auto insurance company in Idaho Falls is USAA.
Teen drivers pay the highest rate in Idaho Falls at $537 per month.

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Cheapest Minimum Liability Car Insurance in Idaho Falls

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Idaho Falls are given below.

USAA provides the cheapest minimum car insurance coverage in Idaho Falls. Their Average 6 Month Premium is $115. Nationwide is the most expensive at $363 for the same period.

Cheapest Liability Coverage in Idaho Falls, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$115	$19
American National	$128	$21
American National P&C	$128	$21
Idaho Farm Bureau	$146	$24
State Farm	$146	$24
Auto-Owners Insurance Co	$152	$26
Mutual of Enumclaw	$182	$31
Auto-Owners	$206	$35
American Family	$212	$36
Farm Bureau	$212	$36
Travelers	$237	$40
Farmers	$249	$42
Allstate	$363	$61
Nationwide	$363	$62

Cheapest Full Coverage Car Insurance in Idaho Falls

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Idaho Falls is American National P&C at $53 per month and $309 for six months.

Cheapest Full Coverage Car Insurance Quotes in Idaho Falls, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$309	$53
Auto-Owners Insurance Co	$334	$55
Idaho Farm Bureau	$363	$62
USAA	$406	$68
Travelers	$424	$72
State Farm	$455	$77
American Family	$491	$83
American National	$540	$90
Mutual of Enumclaw	$552	$94
Farmers	$606	$102
Auto-Owners	$678	$115
Nationwide	$812	$136
Allstate	$1036	$176

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Average Car Insurance in Idaho Falls by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Idaho Falls, ID increasing?

Despite maintaining a clean driving record, your car insurance rates in Idaho Falls, Idaho, may be increasing due to several external factors. Idaho has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Idaho Falls's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Idaho Falls

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Idaho Falls,ID

If you are planning to get a car insurance policy for your teenage dependent, American National P&C provides the cheapest car insurance in the Idaho Falls at $26 per month. At $3186 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$152	$26
Auto-Owners Insurance Co	$206	$35
Idaho Farm Bureau	$218	$37
Travelers	$1084	$183
State Farm	$1218	$205
Farm Bureau	$1369	$228
USAA	$1612	$271
Auto-Owners	$1739	$290
American Family	$1939	$326
Nationwide	$2321	$387
Farmers	$2599	$438
Allstate	$3186	$537

Teen Car Insurance Rates in ID by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Idaho Falls, Idaho Farm Bureau is the cheapest car insurance provider. At $224 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Idaho Falls is Allstate, offering rates of around $1478 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$224	$38
State Farm	$509	$86
American Family	$660	$111
Travelers	$684	$115
USAA	$836	$140
Farm Bureau	$946	$161
Farmers	$981	$165
Auto-Owners	$1024	$174
Allstate	$1478	$247

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Car Insurance Rates with An Accident in Idaho Falls

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Idaho Falls, ID, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Idaho Falls

The cheapest car insurance companies after an at-fault accident in Idaho Falls include American National and AutoOwners Insurance Co, offering $163 and $175, respectively. Allstate is an expensive provider with an average six-month premium of $1581.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$163	$28
Auto-Owners Insurance Co	$175	$30
American National P&C	$188	$32
Idaho Farm Bureau	$188	$32
State Farm	$394	$66
USAA	$418	$70
Auto-Owners	$636	$107
Farm Bureau	$818	$139
American Family	$836	$141
Travelers	$933	$159
Nationwide	$1206	$201
Farmers	$1321	$222
Allstate	$1581	$266

Idaho Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Idaho Falls ID. For example, the car insurance in Idaho Falls after a DUI increases to $502 for a six month policy. While the rate increases by $150 for a six-month policy in the case of a speeding ticket.

Idaho Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$740	$123
One Med/PIP claim	$746	$126
Not-at-fault accident	$763	$128
One comp claim	$787	$134
Failure to wear a seat belt	$800	$134
Two Med/PIP claims	$800	$136
Child safety restraint	$855	$143
Driving without lights	$855	$145
Two comp claims	$860	$144
Failure to show documents	$866	$147
Cell phone violation	$884	$148
Driving with expired registration	$884	$150
Following too closely	$884	$148
Illegal turn	$884	$150
Texting while driving	$884	$148
Wrong way/wrong lane	$884	$150
Driving too slowly	$890	$149
Failure to yield	$890	$151
Speeding 11 - 15 MPH over limit	$890	$149
Speeding 6 - 10 MPH over limit	$890	$151
Failure to stop at a red light	$897	$150
Improper passing	$903	$153
Speeding 16 - 20 MPH over limit	$903	$151
In 65 MPH zone	$909	$155
Speeding in school zone	$909	$152
Speeding 21 - 25 MPH over limit	$921	$157
Open container	$981	$163
At-fault accident - less than $1000	$987	$168
Passing school bus	$1012	$168
Operating a vehicle without permission	$1024	$174
At-fault accident - $1000-$2000	$1084	$181
At-fault accident - greater than $2000	$1084	$185
Driving with a suspended license	$1187	$198
Reckless driving	$1193	$203
Refusal to submit to a chemical test	$1206	$201
DUI	$1242	$211
Racing	$1242	$207
Leaving scene of an accident/hit and run	$1272	$216

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Idaho Falls after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Idaho Falls.

The cheapest car insurance premiums in Idaho Falls are offered by American National P&C at $212 for a six-month policy. However, it can be as expensive as $1558 with companies like Nationwide.

Idaho Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$212	$36
Idaho Farm Bureau	$315	$52
Travelers	$649	$109
State Farm	$709	$119
American Family	$800	$135
USAA	$812	$137
Farmers	$927	$156
Allstate	$1315	$221
Farm Bureau	$1375	$234
Auto-Owners	$1496	$250
Nationwide	$1558	$265

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Idaho Falls are offered by AutoOwners Insurance Co at $152. However, it can be as expensive as $1175 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Idaho Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$152	$26
Idaho Farm Bureau	$152	$26
American National P&C	$157	$27
State Farm	$243	$41
USAA	$472	$79
American Family	$497	$84
Farm Bureau	$624	$104
Auto-Owners	$666	$113
Travelers	$843	$141
Farmers	$849	$143
Allstate	$1175	$196

Car Insurance Price Trends in Idaho Falls, Idaho

Car insurance rates in Idaho Falls have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Idaho Falls remained steady at $136 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Idaho Falls remained steady at $34 in both January and December, indicating no change over the two month period.

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Average Car Insurance Cost in Idaho Falls by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Idaho Falls. At $651 for a six-month policy, insuring your car at 83404 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
83404	$651	$109
83406	$624	$105
83402	$657	$110
83401	$748	$126

Frequently Asked Questions

How much is car insurance in Idaho Falls?

The car insurance in Idaho Falls is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Idaho Falls?

The cheapest car insurance in Idaho Falls is $53 per month for full coverage.

How much is car insurance in Idaho Falls for teenagers?

Car insurance for teenagers costs $152 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Idaho Falls?

The average cost of car insurance is $528 for a six-month policy. It will cost around $91 per month to insure your car in Idaho Falls.

Is car insurance expensive in Idaho Falls?

Car insurance can be expensive in Idaho Falls if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Idaho Falls can be affordable.

What is the best car insurance in Idaho Falls, ID?

The best car insurance company in Idaho Falls ID is American National P&C, offering $309 for a six-month policy.