Cheapest Car Insurance In Idaho For 2024

State Farm is well-known for providing the most affordable car insurance policies for people living in Idaho.

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Written by Bob Phillips
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Acquiring affordable car insurance in Idaho doesn’t have to be overwhelming. State Farm offers competitive rates and dependable service, presenting a variety of coverage options tailored to your specific needs, whether you’re in search of basic or comprehensive protection.

In today’s economic landscape, where expenses rise and options abound, securing budget-friendly car insurance that meets your requirements is crucial. Whether you’re a new driver, a daily commuter, or a family aiming to save on insurance expenses, comprehending the factors influencing insurance premiums and uncovering the best deals is vital.

Based on extensive research on car insurance policies over the past decade, I’ve condensed our findings to assist you in navigating this complex market.

This guide delves into the nuances of car insurance in Idaho, sheds light on the factors impacting insurance rates, and offers practical advice for obtaining affordable coverage while ensuring sufficient protection.

Cheapest Car Insurance Companies In Idaho

Cheapest Car Insurance, Idaho

Our Methodology

In our investigation, I took a methodical approach to collect and assess data on different auto insurance firms and their policies. First, I pinpointed crucial factors for evaluation, including coverage selections, pricing, customer feedback, and the financial stability of insurers. Then, I gathered data from reliable sources such as insurance company websites, consumer review platforms, and industry reports.

After compiling the data, I structured it and analyzed each insurer according to predetermined standards. This entailed comparing coverage options, premium costs, eligible discounts, and customer testimonials to identify the strengths and weaknesses of each provider.

136

Quotes Analyzed

15+

Years Of Industry Experience

41

Brands Reviewed

35+

Research Hours

Cheapest Car Insurance In Idaho For Young Drivers

In Idaho, young adults usually enjoy better car insurance rates than teenagers. This is because as drivers grow older, they tend to adopt safer driving habits, leading to fewer accidents and insurance claims. Insurance companies take these behaviors into account and adjust premiums for young adults based on their improved safety records.

Cheapest Idaho Car Insurance For 16-Year-Olds

State Farm offers the most affordable rates for 16-year-olds, with an average monthly premium of $160.

Provider Average Monthly Cost Average Annual Cost
State Farm $160 $1,918
American Family $314 $3,766
Farm Bureau $162 $1,942
GEICO $190 $2,278
Auto-Owners $215 $2,578

Cheapest Idaho Car Insurance For 17-Year-Olds

State Farm provides the most budget-friendly rates for 17-year-olds, with an average premium of $152.

Provider Average Monthly Cost Average Annual Cost
Allstate $234 $2,806
Geico $236 $2,830
American Family $257 $3,082
State Farm $152 $1,820
Auto-Owners $177 $2,122

Cheapest Idaho Car Insurance For 18-Year-Olds

State Farm offers the most inexpensive rates for 18-year-olds, with an average monthly premium of $142.

Provider Average Monthly Cost Average Annual Cost
Farm Bureau $170 $2,038
State Farm $142 $1,702
Travelers $227 $2,722
Auto-Owners $162 $1,942
GEICO $185 $2,218

Cheapest Idaho Car Insurance For 21-Year-Olds

State Farm provides the most wallet-friendly rates for 21-year-olds, with an average monthly premium of $100.

Provider Average Monthly Cost Average Annual Cost
State Farm $100 $1,198
USAA $123 $1,474
Auto-Owners $115 $1,378
Geico $105 $1,258
Travelers $120 $1,438

Cheapest Car Insurance In Idaho For Drivers With Poor Credit

In Idaho, Idaho Farm Bureau offers the most affordable rates for drivers with poor credit, starting with average monthly premiums as low as $88.

Provider Average Monthly Cost Average Annual Cost

Idaho Farm Bureau

$88

$1,054

Allstate

$124

$1,486

State Farm

$134

$1,606

Nationwide

$104

$1,246

American Family

 $92

$1,102

Your credit score plays a significant role in determining car insurance rates, as it helps insurers assess risk. Lower credit scores often indicate a higher likelihood of making claims, leading insurers to classify these individuals as higher-risk customers.

In Idaho, drivers with poor credit might face higher car insurance premiums compared to those with good credit. Insurers typically take credit history into account when setting rates, as research suggests a connection between credit score and claim filing tendencies.

Drivers with poor credit may encounter difficulties in finding affordable insurance options. However, they can still look into discounts and compare quotes from different insurers to find the most favorable rates possible.

Cheapest Car Insurance In Idaho For Good Drivers

In Idaho, car insurance prices for cautious drivers may differ depending on factors like driving background, age, and preferred coverage. Generally, cautious drivers with spotless records qualify for reduced premiums since they present less risk to insurance companies.

Additionally, they might qualify for extra discounts for consistently upholding a good driving history. It’s recommended for cautious drivers to compare quotes from several insurers to discover the best rates and coverage choices that align with their specific requirements.

Provider Average Monthly Cost Average Annual Cost

State Farm

$20

$238

Farm Bureau

$30

$358

Auto-Owners

$32

$382

Allstate

$69

$826

Farmers

$60

$718

 

Cheapest Car Insurance In Idaho For Full Coverage

In Idaho, State Farm offers the most affordable rates for full coverage car insurance, with average monthly premiums starting as low as $60.

Provider Average Monthly Cost Average Annual Cost

State Farm

$60

$718

Farm Bureau

$82

$982

Farmers

$173

$2,074

Travelers

$112

$1,342

GEICO

$100

$1,198

Full coverage car insurance in Idaho provides comprehensive protection for drivers and their vehicles. Alongside the mandatory liability coverage required by the state, it includes options such as collision and comprehensive insurance.

Collision coverage takes care of repair expenses for your vehicle following a collision with another vehicle or object, regardless of fault. On the other hand, comprehensive coverage covers damages from non-collision incidents like theft, vandalism, fire, or natural disasters.

This car insurance type offers peace of mind by furnishing extensive financial protection in various situations, ensuring coverage for damages to both your vehicle and others involved in an accident. However, it’s crucial to thoroughly review your policy to grasp coverage limits and deductibles for adequate protection.

Cheapest Car Insurance In Idaho For Drivers With Prior Incidents

In Idaho, drivers who have a record of incidents such as accidents, speeding tickets, or DUIs frequently encounter difficulties in obtaining affordable car insurance. These incidents categorize them as high-risk individuals to insurers, increasing the probability of future claims.

As a result, insurers often raise premiums to compensate for the elevated risk of payouts. This pattern is especially significant in Idaho due to its higher incidence of traffic incidents. Insurers implement this pricing approach based on statistical assessments, which demonstrate a correlation between a history of driving incidents and an increased likelihood of future claims.

Cheapest Auto Insurance In Idaho With A Speeding Ticket

State Farm offers the most affordable option for drivers with a speeding ticket, with average premiums of $62.

Provider Average Monthly Cost Average Annual Cost
Allstate $190 $2,278
GEICO $140 $1,678
State Farm $62 $742
Travelers $135 $1,618
Farm Bureau $88 $1,054

Cheapest Car Insurance In Idaho After An At-Fault Accident

State Farm is known for being the most affordable choice for drivers who have had an at-fault accident, with average premiums of $65.

Provider Average Monthly Cost Average Annual Cost
GEICO $188 $2,254
Auto-Owners $118 $1,414
Travelers $162 $1,942
State Farm $65 $778
Allstate $264 $3,166

Cheapest Car Insurance In Idaho For Drivers After A DUI

Travelers provides the most affordable option for drivers with a DUI on their record, with average premiums of $162.

Provider Average Monthly Cost Average Annual Cost
State Farm $242 $2,902
Auto-Owners $188 $2,254
Allstate $228 $2,734
Travelers $162 $1,942
GEICO $330 $3,958

Cheapest Car Insurance In Idaho For Seniors

In Idaho, State Farm offers the most affordable rates for seniors, with average monthly premiums starting at $48.

Provider Average Monthly Cost Average Annual Cost

Farmers

$64

$766

GEICO

$70

$838

State Farm

$48

$574

Nationwide

$52

$622

Allstate

$75

$898

Seniors might enjoy reduced car insurance rates for several reasons. Insurance companies generally view seniors as seasoned and dependable drivers who tend to exhibit safer driving behaviors. Additionally, many seniors drive fewer miles each year, which lowers their chances of accidents and insurance claims.

To accommodate senior drivers, certain insurance companies provide specialized discounts. These discounts take into account factors such as the driver’s age, how often they drive, and whether they’ve completed senior driver safety courses. Many insurers encourage seniors to participate in defensive driving programs by offering discounts after completing the course. These courses aim to update driving skills and knowledge, fostering safer driving habits among seniors.

Cheapest Car Insurance In Idaho For Minimum Coverage

State Farm stands out as the preferred option for liability-only car insurance in Idaho, providing monthly rates averaging just $20.

Provider Average Monthly Cost Average Annual Cost

State Farm

$20

$238

Farm Bureau

$30

$358

Auto-Owners

$32

$382

Allstate

$69

$826

Farmers

$60

$718

In Idaho, drivers are required to meet legal obligations by maintaining the minimum car insurance coverage necessary to drive on the roads. This basic insurance typically includes liability coverage, which has two main parts: bodily injury liability and property damage liability.

Bodily injury liability coverage helps pay for medical bills, rehab costs, and potential legal expenses if you cause an accident that injures someone else. On the flip side, property damage liability coverage assists in covering repair or replacement costs for another person’s vehicle or property if you’re found responsible for the damage.

These minimum coverage requirements in Idaho are set by state law and can vary based on factors like your vehicle type and driving record. It’s essential to carefully review these requirements and make sure you have sufficient coverage to fulfill legal obligations and protect yourself financially in case of an accident.

 

Average Cost Of Auto Insurance In Idaho – By Age

Age Average Monthly Cost Average Annual Cost
16 $406 $4,870
17 $319 $3,826
18 $285 $3,418
19 $200 $2,298
21 $146 $1,750
25 $106 $1,270
30 $95 $1,138
40 $92 $1,102
50 $85 $1,018
55 $82 $982
65 $85 $1,018
75 $100 $1,198

Average Cost Of Car Insurance In Idaho – By Gender & Marital Status

Gender Marital Status Average Annual Cost
Female Single $852
Male Single $900
Female Married $800
Male Married $864

Average Cost Of Auto Insurance In Idaho – By Credit Tier

Credit Tier Average Monthly Cost Average Annual Cost
Excellent $72 $862
Good $74 $886
Poor $120 $1,438

Cheapest Car Insurance In Idaho By City

City Average Monthly Cost Average Annual Cost
Twin Falls $106 $1,270
Pocatello $110 $1,318
Rexburg $111 $1,330
Boise City $98 $1,174
Caldwell $104 $1,246

Minimum Car Insurance Requirement In Idaho

In Idaho, the minimum car insurance requirements include liability coverage for bodily injury and property damage. These are typically expressed as three numbers like 25/50/15. This means there’s coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident.

Idaho also requires Personal Injury Protection (PIP) coverage as part of its no-fault insurance system. PIP coverage helps pay for medical costs and lost wages for you and your passengers, no matter who’s at fault in an accident, offering vital financial security for accident-related injuries.

Alternatively, drivers can choose the “Health Insurance Primary” (HIP) option, which allows their health insurance to serve as the primary coverage for accident-related medical expenses instead of PIP. However, not all health insurance plans qualify for HIP, so it’s essential to confirm eligibility with your health insurance provider.

Car Insurance Discounts In Idaho

As you shop around for car insurance, it’s smart to look into providers that offer discounts tailored to your situation. Plus, chatting with your insurance agent could reveal discounts you’re not yet taking advantage of.

Here are some common discounts that top car insurance companies often provide:

  • Safe Driver Discount: This perk goes to policyholders with a clean driving history, meaning no accidents or traffic tickets.
  • Multi-Vehicle Discount: If you insure more than one vehicle under the same policy, you could snag a discount, saving you money compared to insuring each vehicle separately.
  • Bundling Discount: Many insurers give discounts to folks who bundle their car insurance with other policies, like homeowners or renters insurance.
  • Good Student Discount: Students who maintain good grades might qualify for a discount on their car insurance premiums.
  • Defensive Driving Course Discount: Taking a defensive driving course could make you eligible for discounts on your car insurance premiums. These courses teach valuable skills to help drivers steer clear of accidents and lower their risk on the road.
 

FAQs

How much is car insurance a month in Idaho?

The typical monthly expense for car insurance in Idaho varies based on factors such as age, driving record, and the coverage preferences selected by the driver.

What is the minimum car insurance one must have in Idaho?

In Idaho, the compulsory minimum car insurance includes liability coverage for bodily injury and property damage. Moreover, Personal Injury Protection (PIP) coverage is obligatory.

Which insurance is better in Idaho?

The best insurance company in Idaho might differ depending on personal preferences, driving behaviors, and insurance requirements. It’s recommended to get quotes from multiple insurers to find the most fitting choice for your specific circumstances.

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