How Much Does Auto Insurance Cost for Inexperienced Drivers in Idaho?

The car, truck, or SUV that is being insured is a significant factor in finding the best cheap coverage for inexperienced drivers. Vehicles with limited speed and performance, a great safety record, or a low likelihood of liability claims will cost substantially less to insure than high performance models. The information below shows coverage premiums for some of the most budget-friendly automobiles to insure in Idaho.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in your specific Idaho location which can decrease or increase insurance rates considerably.

Based upon the rates shown, you can infer that makes and models like the Ford Escape, Dodge Grand Caravan, Honda CR-V, Jeep Grand Cherokee, and Toyota Tacoma will definitely be the most affordable vehicles to insure for new drivers.

One of the many criteria that is used to calculate the amount you pay for auto insurance is where your home is located in Idaho. Urban areas that are densely populated like Moscow, Ammon, and Twin Falls tend to have higher rates, whereas areas that tend to be more rural have the benefit of cheaper auto insurance prices.

The illustration below shows the highest-priced areas in Idaho for inexperienced drivers to purchase car insurance in.

Information shown are comparative as the specific area where the vehicle is garaged can lower or raise premium rates significantly.

Establishing which company quotes the lowest-priced insurance rates for inexperienced drivers will require more work in order to find a policy that fits your budget. Every insurance company used slightly different criteria for determining prices, so let’s look at the rankings for the most affordable insurance companies in Idaho.

Find the Cheapest Auto Insurance for Newbies

Click Here to Start Your Quote

American National may have some of the best car insurance rates in Idaho at around $247 per year. USAA, Farm Bureau of ID Group, Oregon Mutual, and Travelers also rank well as some of the best Idaho car insurance companies.

As depicted above, if you currently have coverage with Oregon Mutual and switched to USAA, you could earn an annual premium reduction of upwards of $142. Insureds with Travelers may save as much as $149 a year, and American Family customers might lower prices by $176 a year.

If you want to find out if you’re overpaying, click here to get quotes or feel free to get quotes from the companies below.

These premiums are averaged for all types of insureds and vehicles and and are not calculated with a price decrease for inexperienced drivers. So the auto insurance company that has the cheapest price for you may not even be shown in the rate chart shown above. That’s why you need to compare prices as often as possible using your own personal information and vehicle type.

Discounts on Idaho car insurance rates

Insurance companies that offer cheap auto insurance for inexperienced drivers in Idaho may provide premium discounts that can reduce rates by 35% or more if you are eligible to receive them. Companies and some of the premium reductions they offer include:

The illustration below visualizes the comparison of insurance costs with and without discounts applied. The price estimates are based on a female driver, no claims, a clean driving record, Idaho state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple policy, passive restraint, multiple vehicle, claim-free, defensive driving course, and accident-free discounts applied. When drivers qualify for the discounts, the the amount saved on insurance for inexperienced drivers is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 1577,1135],[‘Age 30’, 1081,787],[‘Age 40’, 1009,733],[‘Age 50’, 883,645],[‘Age 60’, 855,623],[‘Age 70’, 1001,723]]);var options = {title: ‘Insurance Rate Comparison with Discounts for Inexperienced Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Best insurance company in Idaho

Buying coverage from a highly-rated company is difficult considering how many different insurance companies sell coverage in Idaho. The company information in the next section may help you decide which providers to look at when trying to find the cheapest insurance for inexperienced drivers. The rankings below are for the largest auto insurers in America, so smaller companies will not be included in this list.

Which auto insurance company is best?

If you are shopping around for car insurance for new drivers in Idaho, some of the largest companies to start with are Allstate, Progressive, Geico, and State Farm. They all have the same basic coverages, but each one has a distict selection of optional coverages and features that buyers can choose from. The next table shows ratings and policy coverage options offered by each company.