Best Cheap Car Insurance Quotes for Low Income Drivers in Idaho

In an ideal world, we could just tell you the one best company that has the cheapest policy rates in Idaho. It’s just not that easy, however, as there are a ton of unknown factors such as where you live, your choice of physical damage deductibles, and if you own your home, that all impact the cost of coverage. This article will discuss some of these things and should give you a good start in finding the cheapest insurance in Idaho.

Deciphering which company has the lowest-priced auto insurance rates for low income drivers will require a bit more work in order to find the lowest price. Each insurance company has a different process to determine premium rates, so we’ll take a look at the most budget-friendly auto insurance companies in Idaho.

It’s important to understand that Idaho auto insurance rates are impacted by many things that control your annual premium. Getting older, buying a different vehicle, or getting a couple of tickets may cause policy rate changes that can cause some rates to be much cheaper than others.

Best Insurance Companies in Idaho

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American National offers some of the best car insurance rates in Idaho at around $237 per year. USAA, Farm Bureau of ID Group, Oregon Mutual, and Travelers also make the cut as some of the cheapest Idaho car insurance companies.

As illustrated above, if you have coverage with Farm Bureau of ID Group and switched to American National, you might achieve a yearly savings of around $313. Insureds with Oregon Mutual could save as much as $415 a year, and Travelers customers might see rate reductions of $442 a year.

Understand that those estimates are averages for all drivers and vehicles and and are not calculated with a price decrease for low income drivers. So the company that is best suited for you may not even be included in the above list. That points out the importance of why you need to compare as many prices as possible using your own individual information.

The type of vehicle on the policy is probably the most important factor when consumers are trying to find the most affordable insurance for low income drivers. Vehicles with limited speed and performance, a plethora of safety features, or a track record of few liability claims will cost substantially less to insure than higher performance models. The information below showcases auto insurance premiums for a handful of the cheaper vehicles to insure.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in vehicle location which can raise or lower premiums significantly.

Looking at the numbers, makes and models like the Honda CR-V, Kia Forte, Ford Explorer, and Ford Escape are likely to be the most economical vehicles to insure for poor drivers.

One of the key factors that impact insurance cost is where your home is located. Areas with a lot of weather claims or more people like Moscow, Ammon, and Rexburg tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims benefit from lower coverage costs.

The next table ranks the most expensive places in Idaho for low income drivers to buy car insurance in.

Price information shown is estimated as specific Idaho zip code can revise premiums significantly.

Best auto insurance in Idaho

Choosing a highly-rated insurance provider can be challenging considering how many choices drivers have in Idaho. The information shown below could help you select which car insurance providers you want to consider when comparing insurance rates for low income drivers.

The rankings below only include the largest companies in America, so companies that only write business in Idaho or surrounding areas are not included in this list. If you would like to check rates from these and other top-rated companies, click this link.

Discount Idaho auto insurance rates

Insurance providers that provide the best cheap car insurance for low income drivers in Idaho could also offer special discounts that can reduce rates by 40% or more if you meet specific criteria. Large auto insurance companies and a partial list of their discounts can be read below.

• State Farm may include discounts for defensive driving training, Drive Safe & Save, passive restraint, good driver, multiple autos, multiple policy, and driver’s education.
• Farmers Insurance has savings for pay in full, distant student, good student, electronic funds transfer, mature driver, and alternative fuel.
• GEICO may have discounts that include defensive driver, driver training, federal employee, good student, daytime running lights, anti-lock brakes, and air bags.
• American Family includes discounts for air bags, defensive driver, early bird, accident-free, TimeAway discount, and mySafetyValet.
• Nationwide discounts include business or organization, Farm Bureau membership, defensive driving, accident-free, multi-policy, and family plan.
• Progressive policyholders can earn discounts including online quote discount, good student, continuous coverage, homeowner, and multi-policy.

The illustration below shows the comparison of car insurance costs with and without discounts. The premium estimates are based on a male driver, no violations or accidents, Idaho state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with anti-theft, passive restraint, marriage, defensive driving course, safe-driver, and vehicle safety discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for low income drivers is 28% or $510.

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Does State Farm, Geico, Progressive, or Allstate have the cheapest car insurance?

If you want the best car insurance for poor drivers, four of the best places to start are State Farm, Geico, Progressive, and Allstate. Combined they insure almost 50% of the entire U.S. car insurance market. The data below points out some of the ratings and options shoppers can expect to find with each one.