Idaho Car Insurance Calculator
On average, car insurance in Idaho is 44% lower than the national average – making it one of the cheapest states to insure a vehicle. Rates may vary based on age, location and driving record but you can save money by shopping around and buying from a company with an excellent record.
Idaho’s minimum auto insurance requirements require $25,000 of bodily injury liability coverage per person and $50,000 per accident for all parties involved, along with $15,000 of property damage liability coverage. This will pay your medical and repair bills if you were at fault in an accident. You may want to consider additional coverages like uninsured/underinsured motorist or collision protection as well.
According to WalletHub’s analysis of data from the Idaho Department of Motor Vehicles and Quadrant Information Services, drivers with a clean record and no pending claims pay the lowest premiums for car insurance in Idaho. However, those with multiple speeding tickets or convictions for DUI or reckless driving may see their rates go up, so it’s essential to compare quotes before making a decision.
American National, Auto-Owners and State Farm are the cheapest car insurance companies in Idaho. Each offers a variety of policies tailored to different driving profiles, making it essential to shop around to find the best deal available.
Maintaining a good credit score in Idaho can reduce your car insurance rates, as insurers assume you will file fewer claims. Doing so could result in annual savings of hundreds of dollars on your policy.
Receiving a DUI can significantly raise your Idaho auto insurance costs by $226 annually; however, you can reduce this impact by comparing quotes. Furthermore, drivers with clean records can save up to 80% on premiums by getting quotes from highly-rated companies.
Insurance a luxury car with an expensive deductible can increase your premiums in Idaho, especially for models prone to theft such as the Porsche 911 and Mercedes-Benz SLS.
It is also worth noting that Idaho drivers who let their insurance lapse will pay more than those who keep up with payments. Furthermore, adding a teenage driver to your policy may raise rates since they are statistically more likely to get in accidents.
Experience the savings when you shop around for car insurance in Idaho by getting a free quote online. All that’s required is your ZIP code, which will enable you to compare quotes from various companies.
Married drivers enjoy the lowest rates for Idaho car insurance, saving an average of $98 annually. You can save even more by selecting a reputable company with excellent customer service ratings.
Auto-Owners provides Idaho car insurance at a budget-friendly price point of $785 annually for full coverage. This company makes it ideal for both new and experienced drivers alike, offering excellent customer service to ensure you’re taken care of if there’s ever an accident.