Car Insurance After an Accident in Idaho: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Idaho increases insurance by 33%, raising full coverage from $1,296/year to $1,724/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$108/mo
After At-Fault Accident (+33%)
$144/mo
Cheapest Companies After Accident in Idaho
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $106/mo | $1,276/yr | Military families |
| Erie Insurance | $113/mo | $1,362/yr | Rate lock guarantee |
| GEICO | $118/mo | $1,414/yr | Clean driving record |
| Progressive | $126/mo | $1,517/yr | Telematics savings |
| State Farm | $131/mo | $1,569/yr | Good students |
| Travelers | $136/mo | $1,638/yr | Multiple discounts |
| Nationwide | $149/mo | $1,793/yr | Bundling home + auto |
| Farmers | $155/mo | $1,862/yr | Signal telematics |
| Allstate | $161/mo | $1,931/yr | Accident forgiveness |
| Liberty Mutual | $170/mo | $2,034/yr | New car replacement |
USAACheapest
Monthly
$106/mo
Annual
$1,276/yr
Best for: Military families
Erie Insurance
Monthly
$113/mo
Annual
$1,362/yr
Best for: Rate lock guarantee
GEICO
Monthly
$118/mo
Annual
$1,414/yr
Best for: Clean driving record
Progressive
Monthly
$126/mo
Annual
$1,517/yr
Best for: Telematics savings
State Farm
Monthly
$131/mo
Annual
$1,569/yr
Best for: Good students
Travelers
Monthly
$136/mo
Annual
$1,638/yr
Best for: Multiple discounts
Nationwide
Monthly
$149/mo
Annual
$1,793/yr
Best for: Bundling home + auto
Farmers
Monthly
$155/mo
Annual
$1,862/yr
Best for: Signal telematics
Allstate
Monthly
$161/mo
Annual
$1,931/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$170/mo
Annual
$2,034/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
✓ No spam calls · ✓ No personal info sold · ✓ Takes 2 minutes
How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses