Car Insurance with Bad Credit in Idaho (2026)
Quick Answer
Bad credit in Idaho increases car insurance by 42%, raising full coverage from $1,296/year to $1,840/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$108/mo
Poor Credit (1.42x)
$153/mo
Best Companies for Bad Credit in Idaho
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $113/mo | $1,362/yr | Military families |
| Erie Insurance | $121/mo | $1,454/yr | Rate lock guarantee |
| GEICO | $126/mo | $1,509/yr | Clean driving record |
| Progressive | $135/mo | $1,619/yr | Telematics savings |
| State Farm | $140/mo | $1,674/yr | Good students |
| Travelers | $146/mo | $1,748/yr | Multiple discounts |
| Nationwide | $159/mo | $1,914/yr | Bundling home + auto |
| Farmers | $166/mo | $1,987/yr | Signal telematics |
| Allstate | $172/mo | $2,061/yr | Accident forgiveness |
| Liberty Mutual | $181/mo | $2,171/yr | New car replacement |
USAACheapest
Monthly
$113/mo
Annual
$1,362/yr
Best for: Military families
Erie Insurance
Monthly
$121/mo
Annual
$1,454/yr
Best for: Rate lock guarantee
GEICO
Monthly
$126/mo
Annual
$1,509/yr
Best for: Clean driving record
Progressive
Monthly
$135/mo
Annual
$1,619/yr
Best for: Telematics savings
State Farm
Monthly
$140/mo
Annual
$1,674/yr
Best for: Good students
Travelers
Monthly
$146/mo
Annual
$1,748/yr
Best for: Multiple discounts
Nationwide
Monthly
$159/mo
Annual
$1,914/yr
Best for: Bundling home + auto
Farmers
Monthly
$166/mo
Annual
$1,987/yr
Best for: Signal telematics
Allstate
Monthly
$172/mo
Annual
$2,061/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$181/mo
Annual
$2,171/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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