Car insurance rates in Idaho can differ widely, making it important to understand all of the factors affecting them. Our Idaho car insurance calculator will give you a more accurate idea of how much your policy could cost so that you can budget appropriately. Our calculator uses state minimum requirements, coverage limits and other factors as factors when estimating rates; so get an accurate rate estimation now with our calculator!
Idaho drivers typically purchase minimum coverage at an annual cost of $329, with $25,000 of bodily injury liability per person and $50,000 per accident in bodily injury liability and property damage liability coverage included in that rate. Many drivers opt to upgrade to full coverage at an average annual cost of $1,206 which provides collision and comprehensive protections as well as both $25,000 in bodily injury liability per person as well as $50,000 per accident in bodily injury liability and property damage liability protections.
Idaho drivers should be mindful of how accumulating traffic violations, at-fault accidents and poor credit can significantly exacerbate their insurance rates. A DUI conviction, for instance, often causes auto insurers to raise premiums. But even with an impaired driving history it is possible to save money with proper comparison of quotes – and they do save!
Idaho car insurance providers often offer attractive discounts to keep rates affordable, so it is worth investigating which savings options may apply to you. Some providers may give discounts for good grades, veterans and homeowner status as well as paperless policies; other insurers offer lower rates to drivers who have completed defensive driving courses.
Your age can have a direct effect on your car insurance rates. Young drivers tend to pay more due to having less experience behind the wheel and being statistically more likely to get into an accident. Some companies may increase rates further if a young driver has any at-fault accidents or traffic violations on their record.
Insurance premiums vary significantly by zip code and are likely higher in higher-risk areas due to demographic influences on risk levels of the population.
Maintaining an exceptional credit score can be another effective way of saving on car insurance in Idaho. Many insurers offer discounted premiums to drivers with exceptional scores; typically saving an estimated average of around $1,967 annually when compared with drivers with subpar scores. Idaho insurers don’t consider those with exceptional credit a high-risk customer – making comparison quotes and looking into improving your score before purchasing new policies essential steps towards savings.