Cheapest Car Insurance in Idaho

The cheapest car insurance in Idaho is State Farm, at $102 a month for full coverage among the four insurers we compared. Anyone hunting for the cheapest Idaho auto insurance finds it there at every package: $96 for 50/100/50 and $25 for Liability Only 25/50/15, in all 75 ZIP codes we priced. The gap is wide: Farmers, the next full-coverage price, is $46 a month higher.

Most states split their wins among two or three companies. Idaho does not: one company sweeps every ZIP code at every package. The four-insurer ranking is State Farm, Farmers, Safeco and Allstate. A fifth company, Farm Bureau of ID Group, priced all 75 ZIP codes as well but is shown in a separate box that stays out of the ranking and the averages. Progressive and GEICO are not in our Idaho data.

Where you live still matters. Boise’s 83706 runs $133 a month for full coverage, while Orofino’s 83544 runs $182, and for liability only the order nearly reverses. All 75 ZIP codes are in one table.

Page updated Nov. 9, 2026. Quadrant Information Services supplied the figures below, which reflect Idaho rates in effect Sept. 30, 2026 for a single modeled driver. They are reference prices, not offers or quotes you can buy. See our Idaho pricing method

Cheapest Car Insurance in Idaho: Lowest Price by Package

How much is car insurance in Idaho? Averaged over the four insurers we compared, the sample driver pays $156 a month ($1,868 a year) for full coverage, $157 ($1,881) at 50/100/50 and $44 ($533) at Liability Only 25/50/15. State Farm’s full-coverage price sits $54 below that average and Allstate’s $68 above it.

Idaho’s 25/50/15 Liability Limits Beside Our Three Packages

Under Idaho Code 49-117, an Idaho driver must carry liability limits of 25/50/15: $25,000 for one person hurt, $50,000 for everyone hurt in a single crash and $15,000 for other people’s property. We used those exact numbers for Liability Only 25/50/15. The 50/100/50 package uses $50,000, $100,000 and $50,000, and full coverage uses $100,000, $300,000 and $100,000. The two larger packages also include collision and comprehensive with $500 deductibles.

Idaho’s required limits next to our two lower packages

Limit	Idaho law	Liability Only 25/50/15	50/100/50
Per injured person	$25,000	$25,000	$50,000
Per crash, all injured	$50,000	$50,000	$100,000
Property damage	$15,000	$15,000	$50,000
Your own car	Not liability	Not covered	Covered
Satisfies Idaho’s limits?	Baseline	Yes, equal	Yes, above

Average Cost of Car Insurance in Idaho

Averaging four insurers over 75 ZIP codes, car insurance in Idaho costs $156 a month ($1,868 a year) for full coverage, $157 ($1,881) for 50/100/50 and $44 ($533) for Liability Only 25/50/15.

That average conceals a wide spread. State Farm ($102), Farmers ($148) and Safeco ($149) all land under $156, and only Allstate’s $224 sits above it. Without Allstate, the other three average $133 a month for full coverage.

Is $200 a month a lot in Idaho? The lowest price in each ZIP code

Averages mix cheap and expensive companies, so we also took the lowest of the four full-coverage prices in each ZIP code. That lowest price is under $200 a month in 75 of 75 ZIP codes and under $150 in 75 of 75, and the largest of them is $117.

Lowest full-coverage price among the four insurers, summarized over the 75 Idaho ZIP codes

Statistic	Monthly	Yearly
Smallest	$88	$1,061
Median	$101	$1,212
Mean	$102	$1,222
Largest	$117	$1,399
Idaho four-insurer average	$156	$1,868

For scale, $200 a month is $44 over the four-insurer average of $156 and $98 over State Farm’s $102, yet no Idaho ZIP code needed more than $117 once its cheapest insurer was chosen. These are the cheapest offers by ZIP code among the compared insurers, not a typical driver’s bill.

Cheapest Idaho Auto Insurance at Each Coverage Level

State Farm is cheapest at all three levels, with Allstate at the other end each time. Second place changes hands: Farmers holds it at full coverage and Safeco at 50/100/50 and Liability Only 25/50/15.

The distances are large. At full coverage State Farm’s $102 compares with $148 for Farmers, $149 for Safeco and $224 for Allstate, so Allstate costs $122 a month more. At 50/100/50 State Farm’s $96 is $54 under Safeco’s $150. At Liability Only 25/50/15 its $25 is $7 under Safeco’s $32 and $32 under Farmers’ $57.

ZIP by ZIP the result is identical. State Farm is lowest in 75 of 75 at full coverage, in 75 at 50/100/50 and in 75 at Liability Only 25/50/15, and no other company is lowest in a single ZIP code. That holds for our one sample driver only; a different driver or car can reorder the list, so quote more than one company.

Cheap Auto Insurance Idaho Drivers Can Compare: Four Insurers, Priced

Four companies make up the Idaho ranking: State Farm, Farmers, Safeco and Allstate. Each returned a price in all 75 ZIP codes. The chart shows each one’s monthly full-coverage price for the sample driver, so the shorter the bar, the lower the price.

Each insurer’s monthly price in Idaho (yearly totals in square brackets)

Company	Full coverage	50/100/50	Liability Only 25/50/15
State Farm	$102 [$1,222]	$96 [$1,152]	$25 [$305]
Farmers	$148 [$1,778]	$154 [$1,846]	$57 [$679]
Safeco	$149 [$1,791]	$150 [$1,803]	$32 [$383]
Allstate	$224 [$2,682]	$227 [$2,722]	$64 [$767]
Idaho average	$156	$157	$44

Farmers and Safeco are close at full coverage, $148 and $149, a dollar a month apart. At Liability Only 25/50/15 they separate: Safeco is $32 and Farmers $57, $25 more. Allstate is the highest at every level, $224 for full coverage, $227 for 50/100/50 and $64 for Liability Only 25/50/15.

Which insurers are not in our Idaho data

We priced four companies, which is a short list. Progressive and GEICO are not in our Idaho data, so we say nothing about where they would fall. Whatever you decide, collect one more quote from an insurer you know, set to the same limits and deductibles as the others.

Choosing an Idaho Package: Liability Only, 50/100/50 or Full Coverage

Most of the extra cost arrives in the first step up. Moving from Liability Only 25/50/15 to 50/100/50 takes the Idaho average from $44 to $157 a month, $113 more ($1,348 a year). That one step buys higher limits and cover for your own car at a $500 deductible together, and because no priced policy has one without the other, the $113 cannot be divided between them. Idaho is unusual at the top of the range: full coverage averages $156 a month, a dollar below 50/100/50’s $157, because Farmers, Safeco and Allstate each returned a higher price for 50/100/50 than for full coverage. State Farm is the exception, $96 against $102. We report the prices as the data returned them.

Compare the two larger packages directly. At State Farm full coverage costs $6 a month more ($70 a year). At Farmers it costs $6 less, at Safeco $1 less and at Allstate $3 less, so the broader package can be the cheaper one. Pricing only one of them can hide the cheaper choice.

Cheap Car Insurance in Idaho: Boise, Coeur d’Alene and the Rest of the State

Idaho shows up in our data as 32 counties and 75 ZIP codes. We rank a county only if at least three of its ZIP codes were priced; 8 counties qualify (Ada with 15, Canyon with 8, Kootenai with 7 and five smaller ones), and the other 24 appear unranked further down. County figures average the four insurers. See our Boise car insurance page for city prices.

Idaho’s 8 ranked counties, lowest full-coverage average first

Ranked Idaho counties by average monthly price; † means only three or four ZIP codes were priced

County (ZIPs priced)	Full coverage	50/100/50	Liability Only 25/50/15
Ada County (15)	$140	$140	$48
Twin Falls County† (4)	$147	$148	$43
Payette County† (3)	$150	$151	$44
Canyon County (8)	$151	$152	$49
Kootenai County (7)	$155	$156	$42
Bannock County† (3)	$165	$166	$45
Bonneville County† (4)	$166	$167	$48
Bonner County† (3)	$177	$179	$41
Idaho (75)	$156	$157	$44

Ada County, home of Boise, is the cheapest of the 8 for full coverage at $140 a month, and Bonner County† is the priciest at $177, $37 a month or $438 a year apart. Bonner and the other † counties rest on only three or four ZIP codes, so read them as small samples. Liability Only 25/50/15 does not follow that order. Bonner County† is the lowest of the 8 at $41, Kootenai County is next at $42, and Canyon County is highest at $49, just above Ada’s $48.

Boise, Meridian and Ada County

Ada County holds 15 of our 75 ZIP codes, and its full-coverage average of $140 a month runs $16 below the state’s $156. The nine cheapest full-coverage ZIP codes in Idaho are all Ada County ZIP codes, seven in Boise and two in Meridian, from Boise’s 83706 at $133 ($1,601 a year) up to Boise’s 83709 at $139. Boise’s 83705 and Meridian’s 83642 are second and third at $135 and $137. The county’s priciest ZIP code is Star’s 83669 at $148, and even that is under the state average.

Cheap for full coverage is not cheap for every package. Boise’s 83706, first for full coverage, is only 52nd cheapest of 75 for Liability Only 25/50/15, at $46 a month.

Nampa, Caldwell and Canyon County

Canyon County has 8 ZIP codes and averages $151 a month for full coverage, $11 above Ada County next door. It is the county where Liability Only 25/50/15 runs highest. All three Nampa ZIP codes are the three priciest in Idaho for that package: 83651 at $52 a month, then 83687 and 83686 at $51 each, even though 83651 ranks 37th lowest of 75 for full coverage.

Coeur d’Alene, Post Falls and Kootenai County

Kootenai County has 7 ZIP codes and averages $155 a month for full coverage, $42 for Liability Only 25/50/15. Post Falls’ 83854 is the cheapest of them at $141 and tenth-lowest in the state, followed by Coeur d’Alene’s 83815 at $145 and 83814 at $147. Sandpoint, in Bonner County†, is 83864 at $175; Priest River’s 83856 and Sagle’s 83860 are $177 and $178.

Pocatello, Idaho Falls and eastern Idaho

The Pocatello ZIP codes (83202, 83201, 83204) run $161 to $171 a month for full coverage, and the four Idaho Falls ZIP codes run $165 to $167. Both sit above the state average of $156. Bannock County† (Pocatello) and Bonneville County† (Idaho Falls) each have three or four ZIP codes in our data.

Counties with one or two ZIP codes

Just one or two ZIP codes were priced in each of 24 counties, too few to rank. Each entry gives the number of ZIP codes and the average monthly full-coverage price. Gem County (Emmett) is the lowest of them at $147 and Clearwater County (Orofino) the highest of any county at $182, but a single ZIP code cannot describe a whole county. Idaho County, home of Grangeville, simply shares its name with the state.

Benewah County (1) $174; Bingham County (2) $177; Blaine County (2) $152; Boundary County (1) $182; Cassia County (1) $153; Clearwater County (1) $182; Elmore County (1) $152; Franklin County (1) $176; Fremont County (1) $168; Gem County (1) $147; Gooding County (2) $148; Idaho County (1) $170; Jefferson County (1) $171; Jerome County (1) $148; Latah County (1) $164; Lemhi County (1) $169; Madison County (1) $170; Minidoka County (2) $153; Nez Perce County (1) $158; Owyhee County (1) $154; Power County (1) $169; Teton County (1) $173; Valley County (1) $153; Washington County (1) $157.

Cheapest and priciest Idaho ZIP codes

Boise’s 83706 has the lowest full-coverage price in Idaho, $133 a month ($1,601 a year), and Orofino’s 83544 the highest at $182 ($2,183): $49 a month, or $582 a year, between them. Bonners Ferry’s 83805 is second-highest at $182.

For Liability Only 25/50/15 the order nearly reverses. The cheapest ZIP codes are Bonners Ferry’s 83805, Hailey’s 83333, Ketchum’s 83340, Grangeville’s 83530 and Orofino’s 83544, all about $40 a month, while Nampa’s three ZIP codes are the highest at $52 or $51. The spread between the cheapest and priciest liability-only ZIP codes is $12 a month ($144 a year).

All 75 Idaho ZIP codes we priced, lowest full-coverage price first

Every row averages the four ranked insurers for that ZIP code, rounded to whole dollars a month.

All 75 Idaho ZIP codes priced: average monthly price of the four ranked insurers

ZIP code and city	Full coverage	50/100/50	Liability Only 25/50/15
83706 Boise	$133	$134	$46
83705 Boise	$135	$136	$47
83642 Meridian	$137	$137	$47
83716 Boise	$137	$138	$46
83712 Boise	$138	$138	$46
83704 Boise	$138	$138	$50
83646 Meridian	$139	$138	$47
83703 Boise	$139	$139	$46
83709 Boise	$139	$139	$49
83854 Post Falls	$141	$142	$42
83702 Boise	$141	$142	$47
83634 Kuna	$142	$142	$49
83714 Garden City	$144	$145	$47
83815 Coeur d’Alene	$145	$146	$43
83713 Boise	$145	$145	$50
83316 Buhl	$146	$147	$42
83355 Wendell	$146	$147	$42
83617 Emmett	$147	$147	$43
83814 Coeur d’Alene	$147	$148	$42
83301 Twin Falls	$147	$148	$44
83616 Eagle	$147	$148	$49
83619 Fruitland	$148	$148	$44
83669 Star	$148	$148	$49
83338 Jerome	$148	$149	$43
83328 Filer	$148	$149	$43
83341 Kimberly	$149	$150	$44
83655 New Plymouth	$149	$150	$44
83660 Parma	$149	$150	$44
83333 Hailey	$150	$151	$40
83676 Wilder	$150	$151	$46
83686 Nampa	$151	$150	$51
83330 Gooding	$151	$152	$41
83644 Middleton	$151	$151	$48
83605 Caldwell	$152	$151	$49
83835 Hayden	$152	$153	$42
83647 Mountain Home	$152	$153	$42
83651 Nampa	$152	$152	$52
83687 Nampa	$153	$152	$51
83318 Burley	$153	$154	$42
83336 Heyburn	$153	$154	$42
83661 Payette	$153	$154	$42
83350 Rupert	$153	$154	$42
83638 McCall	$153	$155	$40
83340 Ketchum	$153	$155	$40
83607 Caldwell	$154	$154	$48
83628 Homedale	$154	$156	$43
83672 Weiser	$157	$158	$42
83501 Lewiston	$158	$160	$42
83202 Pocatello	$161	$162	$45
83201 Pocatello	$161	$163	$45
83843 Moscow	$164	$167	$42
83869 Spirit Lake	$165	$166	$42
83406 Idaho Falls	$165	$166	$49
83858 Rathdrum	$166	$167	$43
83401 Idaho Falls	$166	$167	$48
83402 Idaho Falls	$166	$167	$48
83404 Idaho Falls	$167	$168	$49
83445 Saint Anthony	$168	$170	$44
83211 American Falls	$169	$171	$41
83467 Salmon	$169	$171	$41
83440 Rexburg	$170	$172	$45
83530 Grangeville	$170	$173	$40
83801 Athol	$171	$172	$43
83204 Pocatello	$171	$173	$43
83442 Rigby	$171	$173	$45
83455 Victor	$173	$174	$45
83861 Saint Maries	$174	$177	$40
83864 Sandpoint	$175	$177	$41
83263 Preston	$176	$178	$40
83221 Blackfoot	$177	$178	$44
83856 Priest River	$177	$179	$42
83860 Sagle	$178	$180	$42
83274 Shelley	$178	$180	$45
83805 Bonners Ferry	$182	$184	$40
83544 Orofino	$182	$185	$40
Idaho (75 ZIP codes)	$156	$157	$44

6 Ways to Lower Your Idaho Car Insurance Bill

1. Start with State Farm, then add two more. It was lowest in every ZIP code we priced, though a different driver or car can reorder the list, so gather at least three quotes.
2. Price 50/100/50 beside full coverage. At State Farm the two are $6 a month apart, and at Farmers, Safeco and Allstate full coverage is the cheaper of the two by $6, $1 and $3. All are small next to the $113 jump from Liability Only 25/50/15 to 50/100/50.
3. Treat $25 as a floor, not a plan. Liability Only 25/50/15 meets Idaho’s 25/50/15 and nothing beyond it; your own car is not covered.
4. Quote the address where the car sleeps. ZIP code alone swings full coverage by $49 a month in our data, so an office address answers the wrong question.
5. Look outside our four. Progressive and GEICO are absent from our Idaho data, so quote either one if it is familiar.
6. Ask about discounts. Bundling, paying in full and a higher collision and comprehensive deductible can each change a quote, and every company’s menu differs. Our figures use a $500 deductible.

Idaho Car Insurance Quotes: Keep Four Things the Same

Our prices describe one sample driver, so the quotes you gather will move with your car, record and address. Hold these four things constant while you compare:

• Liability limits: ask every company for the same limits, 25/50/15 or higher.
• Extra coverages: ask each company what its quote includes beyond liability and damage to your car.
• Deductibles: choose one collision and comprehensive deductible and use it with every company.
• Details: the same drivers, car and address everywhere.

Our Idaho Pricing Method: How We Priced Car Insurance

Quadrant Information Services runs each insurer’s filed Idaho rates and rating rules for one driver profile and returns a premium. Everything on this page uses the rates in effect on Sept. 30, 2026.

• Driver and car: the modeled driver is 40 years old and unmarried, has held a license for 24 years, has good credit and has no claims or tickets. The vehicle is a 2024 Toyota Camry LE driven for personal use, and no one else is rated on the policy.
• Coverage: three packages. Liability Only 25/50/15 takes the liability limits from Idaho law and omits collision and comprehensive. 50/100/50 means $50,000 per injured person, $100,000 per crash and $50,000 for property damage, plus collision and comprehensive with $500 deductibles. Full coverage keeps those deductibles and raises liability to 100/300/100. None of the packages includes personal injury protection or medical payments coverage, so no price here includes either.
• Sample: 75 ZIP codes in 32 Idaho counties. Each of the four ranked insurers returned a price for every ZIP code, which puts 300 prices behind each coverage level.
• Arithmetic: when an insurer returns several prices for one ZIP code, we keep the lowest. State, county and ZIP figures are simple means of the four ranked insurers. A monthly figure is the yearly premium over twelve, rounded to whole dollars, and a stated gap is the difference between two rounded monthly figures.
• Naming the cheapest: at every level the lowest average gets the name, provided that insurer priced at least half of Idaho’s 75 ZIP codes. A runner-up within a few dollars a month would be named too; in Idaho none is that close at any level.
• Shown apart from the ranking: Farm Bureau of ID Group, which returned prices for all 75 ZIP codes. Its prices appear only in its own box, never in a ranking, average, county figure or ZIP table.
• Left out, and nothing dropped: we removed no quote, county or ZIP code, so every price returned for the four ranked insurers is in the figures. Progressive and GEICO are not in our Idaho data. The 24 counties with one or two ZIP codes count toward the state averages without being ranked.

A modeled driver is not you: your own price will turn on your address, car, record, coverage choices and discounts.

Idaho Car Insurance FAQ: Prices, Limits and Rules

Is $200 a month a lot for car insurance in Idaho?

It is more than most Idaho drivers need to pay in our data. $200 a month for full coverage is $44 above the $156 average of the four insurers we compared and $98 above State Farm’s $102. In all 75 of our 75 ZIP codes the cheapest full-coverage price is under $200, and in all 75 it is under $150. Remember that this is the cheapest offer in each ZIP code among the compared insurers, not what the typical driver pays; the $156 average includes Allstate’s $224. Rates as of Sept. 30, 2026.

Who has the cheapest car insurance in Idaho right now?

Among the four insurers in our comparison, State Farm is cheapest at all three levels: $102 a month for full coverage, $96 for 50/100/50 and $25 for Liability Only 25/50/15, on rates as of Sept. 30, 2026. It has the lowest price in all 75 ZIP codes we priced at every level. The next-lowest prices are Farmers at $148 for full coverage and Safeco at $150 for 50/100/50 and $32 for Liability Only 25/50/15. Farm Bureau of ID Group is priced but shown separately, and none of its prices is lower than State Farm’s.

Which is cheaper in Idaho, State Farm or Safeco?

State Farm is cheaper at all three levels. It costs $102 a month for full coverage against Safeco’s $149, $96 against $150 for 50/100/50, and $25 against $32 for Liability Only 25/50/15, on rates as of Sept. 30, 2026. It also has the lower price in all 75 ZIP codes at every level. Progressive and GEICO are absent from our Idaho data, so we pair the two cheapest insurers we do have at the lower packages. At full coverage Farmers, at $148, is second-lowest and Safeco third.

Why is car insurance so expensive in Idaho?

Our data shows where prices run high rather than why, so we name no cause. The four-insurer full-coverage average is $156 a month, $54 above State Farm’s $102, and Allstate’s $224 is the one price that pulls the average up. The sections below show how much prices also vary from county to county. Prices also vary by place. Ada County averages $140 a month for full coverage and Bonner County $177, and ZIP codes run from Boise’s 83706 at $133 to Orofino’s 83544 at $182. Idaho’s liability limits are 25/50/15; our Liability Only 25/50/15 package, which equals them, averages $44 a month.

What is the minimum car insurance in Idaho?

Idaho’s minimum liability limits are 25/50/15 under Idaho Code 49-117: $25,000 for each injured person, $50,000 for all injuries in one crash and $15,000 for property damage. Our Liability Only 25/50/15 package is priced at exactly those limits, and State Farm has the lowest price for it at $25 a month, on rates as of Sept. 30, 2026. Averaged across the four insurers, that package costs $44 a month. The 50/100/50 package averages $157 and full coverage $156. Our tables do not show other coverages, so ask each company what its quote includes.

Is 50/100/50 enough car insurance in Idaho?

What is enough depends on the driver, so here are the facts. The 50/100/50 package we priced covers up to $50,000 per injured person, $100,000 per crash and $50,000 of property damage, all above Idaho’s 25/50/15 limits, and it includes collision and comprehensive with $500 deductibles. It averages $157 a month across the four insurers, $113 above the Liability Only 25/50/15 average of $44 and $1 above the $156 full-coverage average. State Farm is lowest at $96.

How much is full coverage car insurance in Idaho?

Full coverage averages $156 a month ($1,868 a year) across the four insurers we compared, on rates as of Sept. 30, 2026. The prices run from State Farm’s $102 up to Allstate’s $224, with Farmers at $148 and Safeco at $149. We define full coverage as 100/300/100 liability plus collision and comprehensive at $500 deductibles. State Farm is the lowest at $102 ($1,222 a year).

Is liability coverage full coverage?

No. Liability covers injuries and damage you cause to others; full coverage usually means liability together with collision and comprehensive, which pay for your own car. In our Idaho prices, Liability Only 25/50/15 averages $44 a month and full coverage averages $156. The Insurance Information Institute explains liability, collision and comprehensive as separate parts of an auto policy.

Can insurers use my credit score to set car insurance prices in Idaho?

Yes, with limits. Idaho law bars an insurer from charging a higher rate or cancelling a policy based primarily on credit, and the highest-credit-tier premium may not be more than twice the lowest. We priced a driver with good credit, so a different credit profile could change your quote. Those limits come from Idaho Code 41-1843 and IDAPA 18.02.01, as summarized in the NAIC state chart on credit scoring.

What does an SR-22 require in Idaho?

An SR-22 is required in Idaho after a DUI, reckless driving, eluding, hit-and-run, manslaughter, a felony involving a vehicle, an uninsured-driver conviction, or failure to maintain a previous SR-22. Our prices assume a clean record, so we cannot say how much a filing changes a quote. The Idaho Transportation Department lists reinstatement fees of $85 for no insurance, $25 for failure to maintain an SR-22 and $285 for an Idaho DUI (ITD SR-22 reinstatement form).

What happens if you drive without insurance in Idaho?

A first violation is an infraction with a $75 fine. A second or later violation within five years is a misdemeanor, with a fine of up to $1,000, up to six months in jail, or both, under Idaho Code 49-1229. A suspension for no insurance also carries a $85 license reinstatement fee. An SR-22 is required to reinstate. Idaho Code 49-1229 sets these penalties; our prices assume continuous coverage and a clean record.

How much is car insurance in Idaho, and what is the average cost?

Car insurance in Idaho averages $156 a month ($1,868 a year) for full coverage, $157 ($1,881) for 50/100/50 and $44 ($533) for Liability Only 25/50/15. The averages span State Farm, Farmers, Safeco, Allstate and 75 ZIP codes, on rates as of Sept. 30, 2026. Those figures describe one modeled driver. The lowest full-coverage price in each ZIP code runs from $88 to $117 a month.

Where is car insurance cheapest in Idaho?

Of the 8 counties with three or more priced ZIP codes, Ada County is cheapest for full coverage at $140 a month and Bonner County is priciest at $177, though Bonner rests on three ZIP codes. Across all 75 ZIP codes, Boise’s 83706 is lowest at $133 and Orofino’s 83544 highest at $182. For Liability Only 25/50/15 the lowest ZIP codes are about $40 a month, in Bonners Ferry, Hailey, Ketchum, Grangeville and Orofino, and the highest are Nampa’s at $52.

Why is Farm Bureau of ID Group shown separately?

We keep Farm Bureau of ID Group out of the ranking, the averages and every table, and show its prices in a box instead. It priced all 75 Idaho ZIP codes at $145 a month for full coverage, $137 for 50/100/50 and $33 for Liability Only 25/50/15. Each of those is higher than State Farm’s price for the same package: $102, $96 and $25.