Car insurance calculators can help you estimate how much coverage and premium you should purchase, as well as its cost. Although estimates will differ based on individual driver and vehicle information, actual premium rates will depend on which insurer provides your policy. To get a clearer idea of your potential costs enter all relevant personal and driving data into ValChoice’s calculator and compare quotes from multiple providers – this will give you an understanding of pricing ranges across each type of policy available to you in Idaho.
Idaho car insurance premiums depend on several key elements, including driver age, gender, claims history and driving record as well as coverage type/limit combinations and provider. Our calculators take all these variables into account to give an accurate representation of what your potential rate should be; so that you can select the most appropriate plan suited to your situation.
Idaho requires minimum liability insurance policies to pay for the damages you cause in accidents, with drivers on average spending $455 annually for this coverage. For a more comprehensive policy that also protects damage to your own vehicle, full coverage typically costs around $1,052 annually with 100/300/100 limits – $3,000,000 bodily injury liability per person, $25,000 property damage liability and $1,000 collision and comprehensive deductibles – which offers full coverage as well.
Idaho car insurance rates can increase for a number of reasons, including poor driving records and credit histories. A ticket or accident on your driving record could raise premiums up to 21% over three years while DUIs will likely cost even more. But there are things you can do to bring down rates like comparison shopping and selecting higher deductibles.
The average Idaho car insurance rates depend on gender, age and coverage type; with USAA being the state’s premier insurer. Teenagers tend to pay more due to inexperience behind the wheel; this will decrease over time as they gain experience and maintain a clean record. Male drivers typically experience more accidents than female drivers and as such should expect to pay more for Idaho car insurance policies.
Location can also have an effect on car insurance rates; different areas present different levels of risk depending on factors like crime rate, traffic volume and population density. As a result, certain Idaho zip codes often offer lower car insurance premiums even among drivers with identical driving records and policy options. Our calculators on this page aim to give Idaho drivers a clearer idea of their potential rates by factoring these differences and providing quotes from multiple carriers within their region – for the best results it is wise to research various carriers prior to making final decisions.