Who Has Cheap Car Insurance in Idaho?

One of the many things that help determine the annual cost of car insurance is where you normally keep your vehicle. Regions with larger populations or more claims like Sandpoint, Rexburg, and Blackfoot tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from having to pay less for coverage.

The following table lists the most costly cities in Idaho in which to purchase auto insurance.

Premium amounts are approximated as the specific area where the vehicle is garaged can alter coverage prices substantially.

Finding out which company quotes the best insurance rates in Idaho takes a bit more work than just getting one or two price quotes.

Each insurer used slightly different criteria for determining rates in each state, so to begin we’ll rank the most budget-friendly insurance companies in Idaho.

American National quotes some of the best car insurance rates in Idaho at around $247 each year. USAA, Farm Bureau of ID Group, Oregon Mutual, and Travelers also are some of the best Idaho insurance companies.

As depicted above, if you currently have coverage with Oregon Mutual and switched to USAA, you might realize savings of in the vicinity of $106. Policyholders with Travelers may save as much as $161 a year, and The Hartford customers might cut rates by $181 a year.

To see if you’re overpaying, click here to get a free quote or visit any of the companies below.

Be aware that those rates are averages for all ages of drivers and types of vehicles and and are not calculated with a rate decrease in Idaho. So the auto insurance company that fits your needs best may not even be featured in the list above. That is why you need to quote rates from as many companies as possible using your own individual information.

The information below illustrates how choosing a deductible can affect insurance costs when getting quotes for cheap insurance in Idaho. The premiums are based on a single female driver, comp and collision included, and no policy discounts are applied.

The data above shows that a 50-year-old driver could save $252 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $382 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old category, could potentially save $650 or even more by selecting a higher deductible. When insureds make the decision to increase the deductibles on their policy, it is a good idea to have additional funds in a savings account to satisfy the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Careless driving habits raise Idaho insurance rates

The best way to get the best insurance premiums in Idaho for drivers in Idaho is to drive safely and avoid accidents and violations. The information below demonstrates how traffic citations and at-fault claims can increase yearly insurance costs for different age groups of insureds. The information is based on a single female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

In the example above, the average cost of car insurance in Idaho per year with a clean driving record and no accidents is $1,723. Get one speeding ticket and the average cost hikes up to $1,952, an increase of $229 each year. Then throw in one accident along with the one speeding ticket and the yearly cost of insurance in Idaho jumps again to an average of $2,609. That’s an increase of $886, or $74 per month, just for being a careless driver!

Idaho insurance company ratings

Choosing the top insurance company is hard considering how many different insurance companies sell coverage in Idaho. The information in the next section can help you decide which auto insurance companies to look at when comparing rate quotes.

The ratings below are only made up of companies with a nationwide focus, so smaller companies that only insure vehicles in Idaho are not factored into these rankings. To get rate quotes from the most competitive companies in Idaho, just click here.

Last year’s bargain might be this year’s rip off

Idaho insurance rates are based on many factors that will increase or decrease the price of coverage. Simply turning a year older, getting married, or getting a DUI may generate price changes resulting in some rates now being cheaper than competitors.

Not only may your risk profile change, but insurance companies file new Idaho auto insurance rates as often as every three months to help ensure profitability. Higher than usual claims can cause higher rates, while less frequent claims may produce cheaper Idaho car insurance rates.

To illustrate this point, the chart below demonstrates which company has the cheapest car insurance in Idaho for a 40-year-old female driver with no violations or accidents, and solid credit. When comparing rates based on her personal profile, American National quotes the best car insurance rates in Idaho at $240 each year. This is $785 less than the average policy premium paid by Idaho drivers of $1,025. USAA, Farm Bureau of ID Group, Oregon Mutual, and Travelers round out the rest of the best Idaho auto insurance companies.

Now we will give the driver in the first chart a claim, slightly worse credit, and a speeding ticket. Since each auto insurer has a proprietary method for setting rates, comparing prices could result in a completely different list of the cheapest car insurance companies in Idaho as shown below.

American Family now has the cheapest car insurance in Idaho with Farm Bureau of ID Group, The Hartford, USAA, and American National completing the list. This illustrates why it is crucial to compare lots of rates to find the lowest car insurance quotes in Idaho.

Car insurance prices can be determined by many things and change frequently, so the lowest-price company two years ago may now be quite expensive.

Use our FREE quote tool to compare rates now!