Cheapest Auto Insurance Quotes for Safe Drivers in Idaho

The cost and performance of the vehicle requiring coverage is probably the largest consideration in finding the cheapest auto insurance for safe drivers in Idaho. Vehicles with high performance, poor safety ratings, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models.

The tables below illustrates auto insurance prices for the most budget-friendly automobiles to buy insurance for.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rates do not factor in specific location which can modify premiums substantially.

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in vehicle garaging location which can change price quotes noticeably.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in specific Idaho garaging location which can lower or raise prices considerably.

One of the many considerations that determine the price of your policy is where you choose to live in Idaho. Regions with more people or even just more weather-related claims like Moscow, Blackfoot, and Sandpoint tend to have more expensive auto insurance rates, whereas less populated areas have the benefit of cheaper auto insurance prices.

The next table lists the higher priced cities in Idaho for safe drivers to purchase car insurance in.

Information shown are approximated as zip code location can lower or raise coverage rates noticeably.

Establishing which insurers offer the cheapest auto insurance rates for safe drivers will take a bit more work than just getting one or two price quotes.

Each insurer uses a different method to establish rates, so let’s take a look at the auto insurance companies with the overall best prices in Idaho.

Cheap Insurance Rates for Safe Drivers

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American National normally has some of the most affordable car insurance rates in Idaho at around $247 a year. Farm Bureau of ID Group, USAA, Oregon Mutual, and Travelers also rank well as some of the more affordable Idaho insurance companies.

As shown in the table above, if you are a customer of USAA and switched to American National, you may realize an annual savings of approxmiately $289. Policyholders with Oregon Mutual may save as much as $431 a year, and Travelers insureds might realize rate reductions of up to $439 a year.

To get a fast rate comparison, click here to get quotes or quote rates from the companies below.

It’s important to note that these premium estimates are averages across all drivers and vehicles and do not take into consideration a price discount for safe drivers. So the insurer that has the lowest price for you may not even be in the list above. That illustrates why you need to get quotes using your own specific driver information and vehicle.

Violations and accidents raise rates

The best way to score the best auto insurance rates in Idaho for good drivers is to drive safe and not get tickets or have accidents. The example below demonstrates how speeding tickets and at-fault accidents can drive up car insurance costs for different age categories. The rates are based on a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

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In the previous example, the average cost of car insurance in Idaho per year with no violations or accidents is $1,551. Factor in two speeding tickets and the average cost jumps to $2,145, an increase of $594 each year. Now throw in one accident along with the two speeding tickets and the yearly cost of auto insurance for safe drivers jumps again to an average of $2,757. That’s an increase of $1,206, or $100 per month, just for being a less-than-perfect driver!

Idaho auto insurance company ratings

Picking a highly-rated car insurance provider can be a challenge considering how many different insurance companies sell coverage in Idaho. The ranking data below can help you analyze which companies to look at shopping prices with.

The ratings below only include the largest companies in America, so companies with more of a regional focus are not included in these rankings. To compare prices from these and other top-rated companies, follow this link.

Top 10 Major Car Insurance Companies in Idaho Ranked by Customer Satisfaction

1. USAA – 94%
2. AAA Insurance – 91%
3. State Farm – 90%
4. Nationwide – 90%
5. The Hartford – 89%
6. GEICO – 89%
7. 21st Century – 88%
8. Liberty Mutual – 88%
9. Allstate – 88%
10. The General – 88%

State Farm, Progressive, Allstate, or Geico: Who is best?

When shopping around for car insurance for good drivers in Idaho, four companies to take a look at are State Farm, Progressive, Allstate, and Geico. All offer liability and physical damage insurance, but each one has unique coverages that may affect your buying decision. The following table shows some of the different options and features that are available for customers.