Best Cheap Car Insurance for Drivers Under 21 in Idaho

The make and model of vehicle you are seeking coverage for is one of the largest factors when shopping for the best cheap car insurance for drivers under 21 in Idaho. Vehicles with reasonable performance levels, a great safety record, or a track record of few liability claims will cost substantially less to insure than high performance models.

The information below ranks coverage costs for a number of the cheapest automobiles to buy coverage for.

Data based on single male driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Idaho minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in Idaho location which can raise or lower insurance rates substantially.

Looking at the numbers, makes and models like the Ford Escape, Honda Accord, Honda CR-V, Chevrolet Traverse, and Toyota Prius are a few of the more affordable vehicles to insure for minors. Auto insurance rates will tend to be higher because of the fact that there is a higher risk for drivers under 21, but in general those models will have the best rates compared to all other vehicles.

Determining which companies have the best insurance rates for drivers under 21 will involve a little more sweat in order to find coverage that fits your buget.

Each insurer has a proprietary formula for filing rates in each state, so let’s look at the rankings for the insurance companies that tend to be cheaper in Idaho. It’s important that you understand Idaho insurance rates are influenced by many factors that will increase or decrease the price you have to pay. Improving your credit rating, having a teenage driver, or having an at-fault accident can trigger rate changes resulting in some companies being more affordable than competitors.

Best Auto Insurance Prices for Minors

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American National has some of the cheapest car insurance rates in Idaho at around $244 a year. USAA, Farm Bureau of ID Group, Oregon Mutual, and Travelers also rank well as some of the best Idaho car insurance companies.

As shown in the table above, if you are a customer of Oregon Mutual and switched to American National, you might realize annual savings of upwards of $408. Customers with Travelers might save as much as $442 a year, and American Family insureds might cut rates by $455 a year.

If you want to see how much you could save, click here to get quotes or quote rates from the companies below.

Remember that these policy prices are averages for all drivers and vehicles and and are not calculated with a price increase for drivers under 21. So the company that has the cheapest rates for you may not even be featured in the above list. That helps illustrate why you need to quote rates from many companies using your own driver and vehicle profiles.

For Idaho drivers, one of the components that affect a rate quote is where you call home in Idaho. Urban areas that are densely populated like Lewiston, Ammon, and Moscow are more likely to pay higher prices, whereas areas with less crime or weather claims tend to receive cheaper rates.

The table below shows the highest-priced areas in Idaho for drivers under 21 to buy an auto insurance policy in.

Table data uses estimated as specific Idaho garaging address can revise price quotes significantly.

Safe drivers pay cheaper rates

The ideal way to earn the cheapest insurance prices in Idaho for minors is to be a good driver and maintain a clean driving record. The diagram below demonstrates how citations and fender-benders drive up insurance costs for each different age group. The costs are based on a married female driver, full coverage, $500 deductibles, and no other discounts are factored in.

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In the previous chart, the average cost of auto insurance in Idaho per year with no accidents and a clean driving record is $1,166. Get written up for one speeding ticket and the average cost jumps to $1,358, an increase of $192 each year. Next add one accident along with the one speeding ticket and the yearly cost of insurance for drivers under 21 increases to an average of $1,896. That’s an increase of $730, or $61 per month, just for not driving safely!