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2024

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Best Local Car Insurance Agencies in Idaho

Our Recommended Top 15

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Idaho Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

1068

Reviewed

646

Curated

15

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Boise

Why choose this provider?

Butler Insurance Services, Inc., is a family-owned company that has been serving Idaho for more than 50 years. It offers auto insurance to assist car owners with the expenses brought by accidents. It has insurance coverage for car replacement, towing and labor, and uninsured motorist property damage. It also has other policies that cover liabilities and medical expenses, uninsured and underinsured motorists, and accident forgiveness. The company supports a local non-profit organization every year. In 2021, it helped Camp Rainbow Gold, a group for children with cancer.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (194)
Facebook
4.8 / 5 (38)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Boise

Why choose this provider?

Founded in 1951, Higgins & Rutledge Insurance caters to individuals, families, and business owners in Idaho. It provides car insurance plans to protect policyholders from financial losses caused by unexpected events like accidents and theft. The independent agency assists vehicle owners and drivers in filing claims to secure reimbursements for medical costs and damaged properties. It also furnishes commercial insurance products. President Rod Higgins has been a part of the company since 1968. He serves as the Idaho State Insurance Fund's chairman.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Nampa

Why choose this provider?

Deb Williams Insurance is a locally owned independent agency serving Idaho communities. It helps individuals in crafting an auto insurance policy through its partnership with multiple providers, including United Heritage, Bristol West, and Oregon Mutual. Its team of professionals assists clients whether they want their policies reviewed or they are shopping for a new one. The agency also offers insurance coverage options for homes, businesses, and retirement. It supports various community organizations like the Idaho Hispanic Chamber of Commerce and Family Justice Center.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Meridian

Why choose this provider?

James Stocker Group / Boise River Insurance provides individuals and businesses in Idaho with several protection plans for their needs. It helps car owners get insurance covering them for financial responsibility for injuring others and paying for damages to the car itself. The agency also offers life, health, home, and pet insurance. It also has insurance policies that assist business owners in dealing with general liability and workers' compensation. The independent agency, which represents selected insurance companies, assists clients in selecting coverage that meets their needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (8)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Boise

Why choose this provider?

Since 1989, Three Rivers Insurance - Boise has been providing financial services to individuals in Idaho. It prepares insurance policies for car owners and guides them on multiple types of coverage, such as bodily injury liability and uninsured motorists. The company also creates comprehensive plans to help auto owners acquire fire and flood damages coverage. It provides insurance plans for other kinds of vehicles, including RVs and motorcycles. Michael Holcomb, one of the company's partners, has over two decades of industry experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Eagle

Why choose this provider?

Founded in 2004, Pacific Crest Insurance is a veteran-owned agency that serves the people of Idaho. It provides customized coverage plans for client's most valuable assets, such as cars. The car policy it offers pays for bodily injury and damage caused to other vehicles, repair costs, and medical expenses. This insurance can also cover the costs of accidents involving underinsured or uninsured motorists. Having partnerships with more than 300 carriers allows Pacific Crest Insurance to find the right coverage for each client.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (106)
Facebook
5.0 / 5 (29)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Boise

Why choose this provider?

Silver Key Insurance - Boise, West Overland is an independent agency that serves people throughout Idaho. It offers auto insurance policies to help individuals get back their cars after accidents, theft, fire, or other emergencies. It also has auto insurance plans that cover medical and legal expenses in case other parties get injured as a result of accidents. It insures other types of vehicles, such as motorcycles, motor homes, classic cars, boats, and ATVs. The company has been in the industry since 1990.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (13)
Google
4.8 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Boise

Why choose this provider?

Insurance Services of Idaho, LLC, caters to Idaho clients. It provides a vast selection of the best plans, including auto insurance. It offers policies that cover bodily injury liability, medical payments and personal injury protection, property damage liability, collision and comprehensive insurance, and uninsured and underinsured coverage. In addition, the agency offers classic car insurance for collectors, guiding them in selecting the amount of coverage suited to their needs, vehicle value, and budget. General manager Brian Downing is a second-generation insurance agent.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Nampa

Why choose this provider?

WP Insurance is an Idaho-based independent agency that serves clients across the area. It customizes auto insurance plans for car owners and advises on liability and collision coverage options. The agency also offers comprehensive car insurance plans to help individuals cover theft-related damages. Other personal insurance solutions available include home, life, and health policies. One of the agency's managing members, Chris Jensen, has over 15 years of industry experience. He is a member of the Nampa Rotary Club.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (31)
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Boise

Why choose this provider?

Ricketts and Associates is an independent insurance agency that has been helping the Idaho community safeguard their livelihood and assets since 1980. It offers affordable insurance products for classic cars, standard and non-standard automobiles, motorcycles, RVs, and watercraft. It also has life, health, home, and business insurance plans. Prior to opening the company, Bob Ricketts worked for Prudential Insurance Company for eight years. He received the Agent of the Year award in 1993 from the Independent Insurance Agents and Brokers of Idaho.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Nampa

Why choose this provider?

All Valley Insurance is an independently owned and locally operated company that serves clients in Idaho. It offers auto insurance policies to help clients get back on the road after their cars got damaged or destroyed by fire, theft, or accidents. It covers medical and legal expenses as a result of injuries or loss of life caused by car accidents. It has different coverage options, such as liability, no-fault, collision, and comprehensive insurance coverage. Gabe Vasquez, the firm's principal agent, has been in the industry for 17 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (28)
Facebook
4.8 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Boise

Why choose this provider?

Monte Folsom operates a State Farm insurance agency that serves clients in Idaho. He offers car insurance that provides financial protection for policyholders against liabilities, traffic collisions, and other unexpected loss events. Monte also provides insurance products for homes, properties, businesses, and pets. His agency is located in a building that has been utilized as a State Farm office since 1973. The agency is also licensed to offer insurance products in several other states, including Montana, Oregon, and Utah.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (190)
Facebook
5.0 / 5 (20)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Nampa

Why choose this provider?

Ballenger Insurance is a family-owned independent agency that provides the best insurance solutions to clients in Idaho. It deals with auto insurance products and educates individuals on further protection options, including collision and liability coverage. The agency also has experience offering insurance plans for owners of antique cars. It provides other policies to cover various types of vehicles, from ATVs and motorcycles to RVs and boats. Ballenger Insurance partners with a wide range of carriers, like Hagerty, Liberty Mutual, Foremost, and Auto-Owners Insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (133)
Facebook
5.0 / 5 (48)
Yelp
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Caldwell

Why choose this provider?

Idaho Insurance / Affordable Insurance is a locally owned independent agency that serves individuals, families, and business owners in the state. It guides customers in purchasing insurance solutions that cover their individual needs. Its team matches vehicle owners to carriers that provide the best auto insurance policy. It helps them understand various types of auto coverage, including liability, collision, comprehensive, and no-fault insurance. The agency also offers health, life, home, and business insurance products. Its partner insurance carriers include Encompass, Safeco, and Progressive.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.2 / 5 (29)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Nampa

Why choose this provider?

Since 1932, Deal Insurance has been providing the best financial services to clients in Idaho. It creates tailored insurance policies for car owners and partners with various providers, including Travelers. The company offers other personal insurance products, including homeowners' and renters' plans. It also carries experience offering insurance solutions for clients in the construction, agriculture, and legal industries. The company is a division of The Hartwell Corporation, an employee-owned enterprise. It serves as a member of the Professional Liability Agents Network.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (218)
Facebook
5.0 / 5 (30)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

  • How does car insurance work?

    Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

  • What does car insurance cover?

    Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

  • Does car insurance cover theft?

    Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

  • How does a car insurance deductible work?

    A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

  • Do you need insurance to register a car?

    Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

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