Idaho Car Insurance Calculator

Auto insurance costs vary significantly by policy type, coverage limits and location in Idaho. Drivers should take note of any available discounts or coverage options when searching for the best value; age, gender, marital status, credit history driving record selection vehicle choice may all impact how much insurance costs.

Car insurance rates can rise unexpectedly for various reasons, even without accidents or tickets being involved. One reason may be violating state driving laws; an example would be a DUI/DWI conviction which can cause an average rate hike of $465 annually. Another way your annual premium might rise would be an at-fault accident or having let coverage lapse; these drivers can expect their premiums to increase an average of 11% annually.

Liability insurance is mandatory in Idaho and typically costs the least of all policy types. It covers injuries and damage you cause others in an at-fault accident. Full coverage policies provide higher levels of protection at higher costs; collision coverage reimburses repairs after collision while comprehensive covers damages from fire, theft or other unavoidable incidents that happen out of your control.

Your Idaho car insurance premium depends on many factors, including your location, driving history and type of car you own. Drivers living in urban areas typically pay higher insurance premiums due to increased risks from traffic congestion and crime; also impactful is your vehicle model – certain models tend to be stolen more easily or damaged more than others; luxury or imported models usually cost more to insure than domestic models.

Selecting an insurance provider with lower rates than its rivals and programs designed to help save drivers money – for instance Progressive offers discounts to safe drivers while boasting top customer service ratings. It may be beneficial to opt for regional companies as these may provide better rates than national firms.

No matter which car insurance they purchase in Idaho, all drivers should aim to maintain a clean driving record. The state mandates proof of insurance at all times; two consecutive months without it can result in either fines or suspension of license.

Idaho car insurance savings come from adding a teenage driver, reducing coverage limits or paying a higher deductible. Drivers should compare quotes between carriers to see which offers offer the best value; doing so may surprise them at how much money can be saved in switching carriers altogether.