How Much Does Car Insurance Cost for Nurses in Idaho?

This would be a real easy article to write if we could just tell you the company that is cheapest in Idaho. It’s not quite that easy, unfortunately, as there are many unknown factors like the number of years of driving experience you have, if you are currently insured, the crash test ratings of your vehicle, and whether you need higher levels of liability coverage. We are going to cover some of these factors and also should give you a good beginning to your quest for cheaper car insurance in Idaho.

Comparing rates for reasonably-priced car insurance is difficult, and finding out which company offers the cheapest car insurance rates for nurses will require even more perseverance. Premiums will most likely be moderately better than the state average attributed to the lower risk related to offering insurance for health professionals. Reasonable insurance should be possible from a lot of different insurance providers.

Each insurance company has a proprietary method to set policy rates, so let’s take a look at the most affordable car insurance companies in Idaho.

Cheap Insurance Rates for Health Occupations

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American National offers some of the lowest car insurance rates in Idaho at around $240 a year. Farm Bureau of ID Group, USAA, Oregon Mutual, and Travelers would also make the list of some of the cheaper Idaho insurance companies.

In the above rates, if you are currently insured with Farm Bureau of ID Group and switched to American National, you might see a yearly savings of approxmiately $288. Insureds with USAA may save as much as $290 a year, and Oregon Mutual policyholders might realize rate reductions of up to $418 a year.

Remember that these premiums are averages across all types of insureds and vehicles and are not factoring in a price discount for nurses. So the auto insurance company that can offer you the best price may not even be featured in the above rate chart. That points out the importance of why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

For Idaho drivers, one of the things that car insurance companies take into consideration when calculating the price of your policy is where you call home in Idaho. Larger areas like Moscow, Chubbuck, and Twin Falls tend to have higher rates, whereas cities that are not as densely populated get the luxury of paying less.

The following table sorts the most costly cities in Idaho for nurses to purchase car insurance in.

Price information shown is comparative as specific Idaho zip code can increase or decrease price quotes considerably.

Irresponsible driving raises your rates

The easiest way to maintain cheap auto insurance for nurses in Idaho is to be a cautious driver and not have accidents or get tickets. The diagram below demonstrates how traffic citations and at-fault fender-benders can raise annual premium costs for different ages of insureds. The rates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

In the previous chart, the average cost of auto insurance per year with no accidents and a clean driving record is $955. Factor in two speeding tickets and the average cost surges to $1,268, an increase of $313 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of car insurance for nurses goes up to an average of $1,585. That’s an increase of $630, or $52 per month, just for not being more responsible behind the wheel!

Best car insurance in Idaho

Ending up with a high-quality car insurance provider is difficult considering how many companies there are in Idaho. The information in the lists below could help you choose which auto insurers you want to consider when shopping car insurance rates for nurses.

These ratings are only comprised of major nationwide insurance companies, so companies that may only write in Idaho are not factored into the list. To get price quotes from many more Idaho auto insurance companies, just click here.

Top 10 Large Auto Insurance Providers in Idaho Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Liberty Mutual
5. Progressive
6. GEICO
7. Allstate
8. The Hartford
9. The General
10. Farmers Insurance

Top 10 Large Auto Insurance Providers in Idaho Ranked by Customer Satisfaction

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

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

If you want reliable auto insurance for health professionals in Idaho, some of the first companies to look at are Allstate, Progressive, Geico, and State Farm. If you combine them together, they insure over 45% of the car insurance market in the United States. The next table points out ratings and policy coverage options you can buy with each company.

Best cheap insurance quotes for health professionals

There are many different ways to find cheap car insurance in Idaho, but the most frequently used are either through a non-exclusive or independent agent, an exclusive insurance agent such as Auto-Owners or State Farm, or from a direct company like Progressive or Geico.

They all follow the same basic process, but car insurance shoppers should know the differences in how they price policies.

Independent agencies have contracts with many companies and can compare coverage rates with all of them. Independent agents have the ability to get prices from more than one company, which can give you better odds of saving money. If cheaper coverage is found, an independent agent can move your coverage and you don’t have to find a new agent.

Exclusive agents are only able to place business with a single company, a couple examples are Allstate or State Farm agents. This type of agents cannot provide a range of price quotes, so they are skilled at selling on more than just price.

The third way to buy car insurance is direct which means you skip a local agent and instead buy from a direct company like Progressive. Shopping direct can be a good choice for drivers who do not have a complex risk profile and have a good understanding of what is covered and what is not.

So which of the methods works best to buy cheap auto insurance for nurses in Idaho? It would be easy to say buying from a direct company saves money because there are no middleman commissions, but in reality, that is not the case. And we’d like to say using an independent agent guarantees the cheapest rates since they have access to many companies, but again, that’s not accurate. And occasionally, exclusive agencies have price quotes that are the cheapest in Idaho.

Because there is so much variation in car insurance prices, the best way to buy the cheapest policy is to get quotes and compare. It’s recommended that drivers get rate quotes from all three to give yourself enough choices. We compiled a list of companies with some of the cheapest online rates that you can click here to view.