Cheapest Car Insurance In Caldwell, ID For 2025

At an average of $37 per month, GEICO is the most affordable provider of minimum coverage car insurance in Caldwell.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Updated: 01 February 2025
Written by Bob Phillips
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The cheapest car insurance in Caldwell, ID, isn’t always easy to pinpoint since prices fluctuate.

GEICO provides the most affordable liability-only insurance, whereas Progressive offers the best full coverage rates. When it comes to young drivers, State Farm has the most budget-friendly prices.

Cheapest Car Insurance Companies In Caldwell, ID

Cheapest Car Insurance, Caldwell, ID

Cheapest Liability-only Car Insurance In Caldwell: State Farm

GEICO stands out as the most affordable provider of minimum coverage car insurance in Caldwell, with a $37 monthly average.

Review the table below to see how insurance providers differ in their pricing.

Provider Average Monthly Cost Average Annual Cost
State Farm $21 $252
Allstate $25 $300
Travelers $28 $336
American Family $32 $384
GEICO $35 $420

Cheapest Full Coverage Insurance Rates In Caldwell: American Family

If you’re looking for the cheapest full coverage car insurance in Caldwell, Progressive is the top choice at just $92 per month.

The table below highlights average car insurance rates from cost-effective insurers in Caldwell.

Provider Average Monthly Cost Average Annual Cost
American Family $64 $768
GEICO $71 $852
State Farm $75 $900
Auto-Owners $77 $924
Progressive $79 $948

Cheapest Car Insurance Rates For Seniors: Progressive

At just $87 a month on average, State Farm has the lowest car insurance rates for seniors in Caldwell.

Check out the table below for a breakdown of average auto insurance quotes from the most affordable providers for seniors.

Provider Average Monthly Cost Average Annual Cost
Progressive $22 $264
Iowa Farm Bureau $25 $300
State Farm $23 $276
American Family $27 $324
Travelers $29 $348

Cheapest Rates In Caldwell For Teenagers: Auto-Owners

In Caldwell, teenage drivers can secure the lowest quotes from State Farm, with a monthly average of $313.

The chart below displays the companies that provide the most budget-friendly insurance for teens.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $43 $516
GEICO $46 $552
Allstate $55 $660
Nationwide $83 $996
Progressive $98 $1,176

Cheapest Auto Insurance For Young Adults in Caldwell: State Farm

With a monthly average of $238, State Farm provides the cheapest insurance for young adults in Caldwell.

Review the table below to compare Caldwell’s cheapest auto insurance rates for young drivers.

Provider Average Monthly Cost Average Annual Cost
State Farm $26 $312
Grange Insurance $28 $336
Iowa Farm Bureau $30 $360
American Family $31 $372
GEICO $35 $420

Cheapest Car Insurance In Caldwell For Good Drivers: State Farm

At $37 per month, GEICO provides the most budget-friendly car insurance for good drivers in Caldwell.

If you’re a good driver, use the table below to compare average quotes from low-cost insurance providers.

Provider Average Monthly Cost Average Annual Cost
State Farm $21 $252
Grange Insurance $24 $288
Iowa Farm Bureau $27 $324
American Family $29 $348
GEICO $30 $360

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Cheapest Car Insurance In Caldwell After A Speeding Ticket: American Family

If you’re in Caldwell and have a speeding ticket, State Farm is one of the cheapest insurers, with rates averaging $176 a month.

The table below compares the typical rates for drivers who have a speeding ticket on their record.

Provider Average Monthly Cost Average Annual Cost
American Family $30 $360
GEICO $33 $396
Travelers $34 $408
Iowa Farm Bureau $31 $372
Western National $35 $420

Cheapest For Drivers With After At-Fault Accident: Progressive

If you’ve had an at-fault accident, State Farm offers the lowest rates for car insurance, averaging $193 per month.

The table below shows the car insurance providers offering the best rates for drivers with an at-fault accident.

Provider Average Monthly Cost Average Annual Cost
Progressive $32 $384
Travelers $35 $420
West Bend $36 $432
Auto-Owners $37 $444
American Family $33 $396

Cheapest Rates In Caldwell For Drivers After A DUI: State Farm

Drivers in Caldwell with a DUI can secure affordable car insurance from State Farm, with average monthly rates of $188.

Caldwell drivers with a DUI can find the most affordable car insurance rates listed in the table below.

Provider Average Monthly Cost Average Annual Cost
State Farm $25 $300
American Family $30 $360
West Bend $40 $480
Grange $41 $492
Travelers $43 $516

Best Car Insurance Companies In Caldwell

AAA offers Caldwell’s cheapest insurance at $83 a month, while Progressive and GEICO charge $90 and $93 a month, respectively.

Here are the top 10 auto insurance providers in Caldwell, ID, ranked by the average cost of their monthly premiums.

Company Monthly Premium
AAA California $83
Progressive $90
GEICO $93
National General $101
Mercury $101
CSAA $103
Allstate $108
State Farm $109
Capital Insurance Group $118
Nationwide $120

Average Auto Insurance Rates In Caldwell – By Age

Age is a major factor in car insurance pricing, with younger drivers often paying higher premiums because of their lack of experience and higher likelihood of being in accidents or getting tickets. Teenagers can expect to pay about $7,599 per year.

Insurance rates tend to decrease for drivers when they reach the age of 25, provided they have a clean record.

Insurance rates are often most competitive for drivers in their 50s and early 60s, as insurers use age to evaluate driving experience and risk, which impacts premiums.

Age Average Yearly Rate
Teenagers $7,599
20s $3,031
30s $1,989
40s $1,927
50s $1,838
60s $1,830
70s $2,126

Average Rates In Caldwell – By Vehicle

The type of car you drive has a big impact on your insurance rates. Factors like the make, model, year, and body style are considered, with newer luxury cars—featuring high-tech equipment and higher replacement costs—typically resulting in higher premiums.

The table below shows average insurance premiums for different vehicle types in Caldwell.

Vehicle Average Monthly Rate
Toyota Camry $127
Honda Civic $138
Ford F-150 $165
Chevrolet Equinox $179
Nissan Rogue $181

Average Cost Of Auto Insurance In Caldwell – By Zip Code

Your zip code plays a significant role in car insurance pricing, as insurers assess crime rates when setting premiums.

Check the table below for average car insurance premiums by zip code in Caldwell.

Zip Code Average Monthly Rate
50023 $106
50021 $94

How Much Is Car Insurance In Other Cities in Idaho?

Your car insurance rates are strongly influenced by your city of residence, as urban areas tend to have higher accident, theft, and vandalism rates, which drive up premiums.

Drivers in Los Angeles tend to pay an average of $243 a month for car insurance, while those in San Diego pay approximately $176 per month.

City Average Monthly Rate
Moscow $58
Nampa $74
Pocatello $63
Post Falls $75
Boise $71
Caldwell $63
Clifton $45
Coeur D Alene $70
Franklin $60
Idaho Falls $72

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Our Methodology

I’ve gathered insights from an extensive analysis of customer service, product options, pricing, and online reviews to create a detailed view of car insurance providers in Caldwell, ID.

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Quotes Analyzed

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Years Of Industry Experience

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Brands Reviewed

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FAQs

Who has the lowest car insurance rates in Caldwell?

In Caldwell, GEICO offers the lowest rates for minimum coverage, and Progressive offers the best rates for full coverage, including both comprehensive and collision.

 

What is the average cost of car insurance in Caldwell?

The average cost of car insurance in Caldwell is roughly $180 per month, but expect variations based on your zip code, car details, and driving history.

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