Idaho car insurance rates may be higher than the national average, yet drivers here still pay less than most Americans. Your Idaho car insurance rates can be affected by various factors, including adding a teen driver to your policy or altering coverage levels; costs also depend on vehicle type and age as well as rating factors like driving history and credit score.
MoneyGeek’s Idaho Car Insurance Calculator allows you to compare how different factors influence the cost of Idaho auto insurance policies. The calculator takes into account average annual rates for liability-only, full coverage and high limits policies with a $500 deductible in Idaho – where liability-only policies offer minimal coverage that meet Idaho financial responsibility laws; full coverage policies provide comprehensive protection from natural disasters, theft or other incidents while higher levels of protection increase premium costs accordingly.
Your age plays an integral part in determining Idaho car insurance rates, as statistically speaking, younger drivers are at an increased risk of collision. Furthermore, some states impose additional surcharges for driving violations committed by newer drivers.
Insurance providers take your credit score into consideration when setting Idaho car insurance prices, as they believe those with poor credit are at a greater risk of filing claims than those with exceptional scores. On average, Idaho drivers with bad credit pay an extra $1,967 annually than their counterparts with excellent scores.
Your Idaho residence also plays an enormous part in your car insurance rates, as various areas pose different risks for insurers. For instance, someone living near Boise will typically pay more due to higher crime, traffic and vehicle accident rates in urban centers like Boise. In rural Rexburg on the other hand, crime, traffic congestion and vehicle accidents tend to be lower rates.
Reputable and well-known car insurers will likely charge more, as quality service usually incurs additional fees. But there are companies like State Farm and USAA (exclusive to military personnel) which offer affordable Idaho car insurance while still providing superior customer care – these two offer affordable Idaho auto coverage at competitive rates with outstanding customer support services.
Car selection also impacts Idaho car insurance rates; certain models are more costly to repair or replace. Furthermore, some types of cars may be more likely to be stolen, increasing your premiums further.
Life events such as moving, marrying or purchasing a home can have a dramatic effect on how much auto insurance coverage and limits/deductibles you need in Idaho. Our Idaho car insurance calculator makes this decision simpler so that you can choose the most cost-effective auto policy available to you in Idaho.