Cheapest Auto Insurance Quotes for First-time Drivers in Idaho

When shopping for insurance for new drivers, one of the many criteria that aid in calculating the amount you pay each year for auto insurance is where you keep your vehicle in Idaho. Areas with a lot of weather claims or more people like Moscow, Lewiston, and Ammon are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices.

The table below shows the most expensive areas in Idaho for first-time drivers to purchase car insurance in.

Rates are estimated as specific Idaho zip code can influence auto insurance rates substantially.

Shopping around for cost effective car insurance is easier said than done, and determining which companies offer the cheapest insurance rates for first-time drivers takes even more work. Coverage rates will be much more expensive than the average price in Idaho, with the extra cost attributed to the additional risk associated with selling insurance for new drivers, but competitively-priced coverage should be possible with a little diligence. Each auto insurer uses slightly different criteria for filing rates in each state, so let’s take a look at the most budget-friendly insurance companies in Idaho.

It’s important that you understand Idaho insurance rates are influenced by many factors that may substantially change the cost of your policy. Improving your credit score, buying a new vehicle, or getting a ticket for running a stop sign can trigger rate changes resulting in some companies being much cheaper than others.

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google.charts.setOnLoadCallback(drawIDT5qcibChart);function drawIDT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘American National’, 247, ‘#338FCF’], [‘Farm Bureau of ID Group’, 528, ‘#2A77AC’], [‘USAA’, 546, ‘#23638F’], [‘Oregon Mutual’, 678, ‘#1D5277’], [‘Travelers’, 679, ‘#184463’]]);var options = {title: ‘Top Five Most Affordable Car Insurance Companies in Idaho’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:779,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

American National may have some of the best car insurance rates in Idaho at around $247 each year. Farm Bureau of ID Group, USAA, Oregon Mutual, and Travelers would also be considered some of the cheaper Idaho car insurance companies.

In this example, if you buy coverage from Oregon Mutual and switched to Farm Bureau of ID Group, you could earn a yearly savings of roughly $150. Idaho drivers with Travelers may save as much as $151 a year, and Auto-Owners customers might reduce rates by $192 a year.

To see if your current coverage is too expensive, click here to get quotes or click through to the companies below.

These prices are averages for all ages of drivers and types of vehicles and and are not figured with a price surcharge for first-time drivers. So the car insurance company that is best suited for you may not even be included in the chart above. That helps illustrate why you need to get car insurance quotes using your own specific driver information and vehicle.

The example below shows how choosing a deductible can change insurance costs when quoting cheap insurance for first-time drivers. The premiums are based on a married male driver, full physical damage coverage, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2701,2463,2201,1957],[‘Age 30’, 1405,1279,1137,1001],[‘Age 40’, 1351,1235,1105,981],[‘Age 50’, 1235,1131,1013,901],[‘Age 60’, 1217,1115,999,889],[‘Age 70’, 1399,1285,1161,1045]]);var options = {title: ‘Effect of Higher Deductibles on Auto Insurance Prices in Idaho’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 50-year-old driver could reduce rates by $222 a year by switching from a $100 deductible up to a $500 deductible, or save $334 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old, could lower their rates as much as $744 or even more by using higher deductibles when buying full coverage. If you do decide to increase your deductibles, it will be required to have plenty of discretionary funds to enable you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.