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Who Has the Cheapest Car Insurance for Drivers Under 21 in Idaho?

Enter your Idaho zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 12, 2019

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When shopping for the cheapest car insurance for minors, one of the many things that impact the price you pay for insurance is where you call home in Idaho. Cities with larger populations like Moscow, Lewiston, and Blackfoot tend to have more expensive car insurance rates, whereas areas with less congestion have the luxury of the cheapest auto insurance for drivers under 21 in Idaho.

The illustration below ranks the more expensive cities in Idaho for drivers under 21 to purchase a policy in.

Car insurance prices in Idaho
Rank City Annual Premium
1 Moscow $1,116
2 Sandpoint $1,099
3 Lewiston $1,089
4 Idaho Falls $1,086
5 Blackfoot $1,074
6 Burley $1,062
7 Pocatello $1,056
8 Rexburg $1,053
9 Twin Falls $1,049
10 Ammon $1,047
11 Nampa $1,046
12 Hayden $1,042
13 Chubbuck $1,026
14 Jerome $1,025
15 Caldwell $1,019
16 Post Falls $1,011
17 Coeur d’Alene $1,008
18 Hailey $1,001
19 Mountain Home $991
20 Payette $982
21 Boise $975
22 Eagle $966
23 Garden City $961
24 Kuna $955
25 Meridian $947
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Information shown are comparative as the specific area where the vehicle is garaged can decrease or increase rates significantly.

Deciphering which company offers the lowest-priced car insurance rates for drivers under 21 calls for a tad more effort than just picking a company at random.

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Each auto insurer uses a slightly different approach to set policy rates, so let’s look at the rankings for the car insurance companies that tend to have lower prices in Idaho.

Enter your zip code below to view companies that have cheap auto insurance rates.

Cheapest auto insurance in Idaho ranked by cost per year
Rank Company Cost Per Year
1 American National $240
2 Farm Bureau of ID Group $544
3 USAA $552
4 Oregon Mutual $672
5 Travelers $707
6 Auto-Owners $720
7 American Family $727
8 The Hartford $749
9 State Farm $832
10 Nationwide $928
11 Grange $983
12 Allied $990
13 Mutual Enumclaw $1,056
14 MetLife $1,073
15 GEICO $1,092
16 Progressive $1,152
17 Safeco $1,162
18 California Casualty $1,201
19 Liberty Mutual $1,311
20 Allstate $1,463
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American National may have some of the cheapest car insurance rates in Idaho at around $240 annually. Farm Bureau of ID Group, USAA, Oregon Mutual, and Travelers would also make the list of some of the cheaper Idaho insurance companies.

In the rate table above, if you have coverage with Oregon Mutual and switched to American National, you could see an annual savings of around $432. Idaho drivers with Travelers might save as much as $467 a year, and Auto-Owners customers might cut rates by $480 a year.

To find the cheapest auto insurance for drivers under 21 in Idaho, click here to get quotes or visit several of the following companies.

Enter your zip code below to view companies that have cheap auto insurance rates.

Understand that those policy prices are averages for all drivers and vehicles in Idaho and and are not calculated with a price surcharge for drivers under 21. So the auto insurance company that fits you best may not even be included in the company chart above. That point stresses why you need to quote rates from many companies using your own specific driver information and vehicle.

The type of vehicle driven is a significant factor in finding the cheapest auto insurance for drivers under 21 in Idaho. Vehicles with lots of horsepower, poor passenger safety features, or a high likelihood of having liability claims will cost significantly more to insure than more economical and safe models. The information below illustrates auto insurance premiums for a selection of the more affordable automobiles to insure.

Cheapest Auto Insurance Rates for Drivers Under 21 in Idaho
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 2WD $1,017
Honda Accord EX 4-Dr Sedan $1,022
Honda CR-V EX-L 4WD $1,032
Chevrolet Traverse LT 2WD $1,048
Hyundai Elantra SE Touring Station Wagon $1,107
Honda Odyssey LX $1,117
Toyota Prius $1,123
Jeep Wrangler Sahara 4WD 2-Dr $1,132
Dodge Grand Caravan SE $1,140
Ford F-150 STX Super Cab 4WD $1,148
Hyundai Santa Fe GLS 2WD $1,192
Chevrolet Equinox LS AWD $1,207
Volkswagen Jetta S 4-Dr Sedan $1,214
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Table data assumes single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Idaho minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in specific location which can modify rates significantly.

Based on these rates, makes and models like the Ford Escape, Honda Accord, Honda CR-V, Chevrolet Traverse, and Hyundai Elantra should be some of the cheaper vehicles to insure for minors. The price for car insurance will be higher anyway just because there is more claim exposure for drivers under 21, but in general those particular vehicles will most likely have the lowest insurance rates possible.

Idaho car insurance companies

Insuring your vehicle with a good quality auto insurance company can be rather challenging considering how many choices there are in Idaho. The ranking data displayed below may help you select which providers you want to consider comparing price quotes from. These ratings are only comprised of companies who write in the majority of U.S. states, so companies that only write business in Idaho or surrounding areas are not included in this list.

Top Ten Car Insurance Companies in Idaho
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
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Data Source: Insure.com Best Car Insurance Companies

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