Who Has Cheap Car Insurance for High School Students in Idaho?

Our content editors always give us grief that when writing about auto insurance, the word affordable shouldn’t be used anywhere to describe car insurance rates. Despite the oxymoron, cheap auto insurance for high school students does not exist. But don’t let that discourage you, because we are going to show you some ways you can find and buy coverage that is easier on your budget.

Deciding which companies offer the most affordable car insurance rates for high school students calls for a little more work in order to find the lowest price quote.

Each insurer uses their own formula to set policy rates, so let’s take a look at the car insurance companies that tend to be cheaper in Idaho. It’s a good idea to be aware that Idaho car insurance rates are impacted by many factors that can increase the price you pay. Improving your credit rating, becoming a homeowner, or getting a speeding ticket can trigger rate changes resulting in some companies being much cheaper than others.

Cheap Insurance Rates for Students

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American National normally has some of the most affordable car insurance rates in Idaho at around $247 per year. USAA, Farm Bureau of ID Group, Oregon Mutual, and American Family also are some of the most economical Idaho insurance companies.

As shown above, if you currently buy coverage from American Family and switched to USAA, you might achieve an annual savings of about $169. Policyholders with Travelers might save as much as $177 a year, and Auto-Owners insureds might see rate reductions of $190 a year.

Understand that those premiums are averaged for all insureds and vehicles and do not take into consideration a rate increase for high school students. So the insurer that has the cheapest rates for you may not even be featured in the list of companies shown earlier. That illustrates why you need to get auto insurance quotes using your own individual information.

For Idaho drivers, one of the considerations that insurance companies take into consideration when calculating car insurance rates is where you choose to live in Idaho. Cities with larger populations or higher claims like Moscow, Blackfoot, and Sandpoint tend to have higher auto insurance costs, whereas cities that are not as densely populated tend to receive slightly lower rates.

The illustration below sorts the most costly cities in Idaho for high school students to purchase a policy in.

Prices are approximated as vehicle location can change prices considerably.

Cost and performance of the vehicle driven is probably the biggest factor when looking for affordable coverage for high school students. Vehicles with high performance features, poor passenger safety features, or a high likelihood of having liability claims will cost substantially more to insure than more modest models.

The next lists ranks car insurance costs for a number of the cheapest vehicles to insure in Idaho.

Above prices assume single male driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific location information which can decrease or increase price quotes substantially.

Prices above based on single male driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in your specific Idaho location which can decrease or increase rates considerably.

Data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in vehicle location which can influence auto insurance rates greatly.

Ending up with the top auto insurance provider is hard considering how many different companies there are to choose from in Idaho. The company rank data in the lists below can help you choose which car insurance providers to look at purchasing coverage from.

These ratings only include the largest companies in the United States, so companies that may only write in Idaho will not be included in the list. To view rates and find the cheapest rates for high school students, simply click here.

Cautious Idaho drivers save money

The easiest method to get good car insurance rates for teenagers is to drive attentively and not get tickets or have accidents. The example below demonstrates how citations and at-fault fender-benders raise yearly insurance costs for different age categories. The premiums assume a single male driver, comp and collision included, $100 deductibles, and no discounts are applied.

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In the previous chart, the average cost of a car insurance policy in Idaho per year with no accidents or violations is $1,850. Factor in two speeding tickets and the average cost rises to $2,458, an increase of $608 each year. Now get one accident along with the two speeding tickets and the annual cost of car insurance for high school students increases to an average of $3,071. That’s an increase of $1,220, or $102 per month, just for being a careless driver!

Which major car insurance company is best?

When buying auto insurance for teenagers in Idaho, four companies to consider are State Farm, Allstate, Geico, and Progressive. When combined, they have about half of the entire U.S. auto insurance market. The data below rates some of the different features offered by each company.