Best Companies For Idaho State Auto Car Insurance USA

Steve Oke Chapchap Market No Comments

Farmers

Best Companies For
Idaho Auto Insurance
Farmers

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Farmers is another solid option if you’re interested in high policy limits. Like State Farm, it enables you to purchase up to 500/500/500 of liability protection, which should be more than enough for most drivers. It also offers a better selection of deductibles than State Farm, ranging from $100 to $2,000. Unfortunately, there is no option to waive your comprehensive deductible like there is with State Farm and Liberty Mutual — meaning there’s no way to avoid out-of-pocket costs in the event of a claim.

Farmers is your best bet if you are hoping to build a custom policy with endorsements. In addition to common offerings like collision, comprehensive, and uninsured motorist coverage, Farmers also offers more unusual options, like ridesharing and custom equipment coverage, as well as new car replacement. There’s also accident forgiveness, small claims forgiveness, incident forgiveness, and comprehensive claims forgiveness — all designed to keep your rates from going up following minor accidents.

Though we opted out of these optional coverages, Farmers still gave us our most expensive quote. Fortunately, where Farmers lacks in upfront savings, it makes up for with an impressive 14 auto insurance discounts. These include savings for home ownership, paying in full, and having safety features installed on your vehicle. There’s also the standard multi-car, multi-policy, and safe driver discounts. All of which may help to drive down your total cost.

Liberty Mutual

Best Companies For
Idaho Auto Insurance
Liberty Mutual

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Liberty Mutual impressed us with its uncommon endorsements. In addition to new car replacement, there’s also better car replacement, which pays to replace your totaled car with a model one year newer with 15,000 fewer miles. Lifetime repair guarantee is also an option: If you get your car repaired at an approved facility, any repairs will be covered for the life of your vehicle. And if you’d like to eliminate your collision deductible altogether, sign up for the Deductible Fund. Every year you go without an accident, your deductible will decrease until it vanishes entirely.

Our quote from Liberty Mutual fell on the higher end, but its discounts are highly individual and are worth looking into. If you own a hybrid vehicle, or if you’re newly graduated, married, or retired, there’s a discount for you — discounts you won’t find with any of our other picks.

Customers are divided on their opinions of Liberty Mutual; while it rated well with Consumer Reports, J.D. Power wasn’t so generous. Liberty Mutual received only an average rating overall and a 2/5 for its claims handling. They were rated 24 points below the industry average for overall customer satisfaction, at 847/1,000.

Farm Bureau Mutual of Idaho

Best Companies For
Idaho Auto Insurance
Farm Bureau Mutual of Idaho

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Something to note upfront: Farm Bureau Mutual of Idaho only offers auto insurance to its members. In order to join, you must reside in Idaho and pay the yearly membership fee, which ranges from $40 to $50 depending on where you live. It may be worth the relatively low yearly fee — if Farm Bureau offers you a stellar deal on your premiums, that yearly fee might pay for itself. You can’t get a quote online, but we recommend calling your local Farm Bureau Mutual of Idaho agent to learn more about their rates and any discounts you may be eligible for. In addition to insurance, you also get access to a number of member benefits, including discounts on a variety of goods and services.

Farm Bureau Mutual of Idaho only provides basic coverages like collision and comprehensive coverage — there’s no option to add accident forgiveness, rental car reimbursement, or roadside assistance — but the basics may be all you need. If you’re not looking for a highly customizable policy, the reward could be a lower rate.

Because it’s a local insurer, Farm Bureau Mutual of Idaho didn’t make it into the J.D. Power or Consumer Reports surveys, so we weren’t able to gauge how well they treat their customers. However, it’s the second-largest insurer in the state, meaning its local reputation is enough for a significant portion of Idahoans.

USAA

Best Companies For
Idaho Auto Insurance
USAA

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Unlike the rest of our top picks, USAA is a little more exclusive, available to military personnel and their immediate family only. Among those who qualify: current military members, including active duty, Guard, Reserve, and Officer candidates (ROTS, OTS/OCS, and Academy), military vets and retirees who have served honorably, spouses of current former service members, and children of USAA members.

USAA was rated an A++ by A.M.’s Financial Strength Rating and 5/5 stars (903/1,000) by J.D. Power’s Auto Claims Satisfaction study. USAA is among the best insurance providers in the space, and they are known for their customer-friendly service and quick manner of settling claims.