Car Insurance Calculator in Idaho
Idaho’s average annual car insurance cost is $1,121 annually – considerably lower than the national average of $1,682. There are numerous factors that affect how much an Idaho auto policy costs; but among them are age group, gender, driving history and traffic violations or poor credit. You could save money by shopping around and comparing quotes. A DUI conviction will substantially raise rates; however there may still be ways of finding cheaper Idaho car insurance policies available even with criminal convictions on file.
Idaho law mandates drivers carry liability insurance when involved in accidents they cause, setting the minimum limit at $25,000 per person for bodily injury and property damage coverage. Drivers should also consider purchasing comprehensive and collision policies to protect themselves against expensive repair bills and expenses associated with damage to their vehicle as well as cover additional losses that arise as a result. These more costly policies offer coverage against damage that has already been sustained to help cover repair bills as well as unexpected expenses that arise as a result.
Other factors affecting your rates include the type of car you drive, your commute distance and crime rates in your area. Some cars cost more to insure due to higher repair or replacement costs – for instance sports cars with exotic parts or luxury vehicles often stolen often have higher premiums; additionally, high liability limits require a full coverage policy with higher payments for comprehensive protection.
Drivers can save money by investing in a more fuel-efficient car with safety features that reduce the chances of an accident, or by opting for one with low maintenance and gas costs. Furthermore, many insurers provide discounts to drivers who complete safe driving courses; you might even qualify if you’re an outstanding student with no traffic violations on record!
Older drivers in Idaho typically enjoy lower car insurance rates than younger ones due to a greater risk of an accident among teenagers; moreover, teenagers typically remain on their parent’s policy until they become financially independent enough to purchase individual policies themselves.
Alongside age and gender, drivers’ credit scores also play a factor in Idaho car insurance premiums. Drivers with better credit are likely to file fewer claims, which leads to lower premiums; on the other hand, those with poorer scores tend to file frequent claims which increase premiums significantly.
Location can play an integral part in determining car insurance premiums; different areas present different levels of risk based on claims frequency, crime rate, population density and other considerations. According to Bankrate research, Boise and Meridian boast some of Idaho’s lowest car insurance premiums due to low crime rates, low population densities and an impressive track record for avoiding major accidents.