AutoInsuranceEZ.com
Fast, Free Quotes, Instant Savings

CALL FOR QUOTES:
1-855-406-0240

FIND THE CHEAPEST INSURANCE QUOTES IN YOUR AREA
Yes No

In the market for cheap auto insurance in Pocatello, ID? At AutoInsuranceEZ.com, you can find the best insurance rates locally. To obtain free car insurance quotes from the leading providers today, enter your zip code into the quote box on this page.

Pocatello might be well known for housing Idaho State University, but it is much more than your average college town. A major manufacturer, ON Semiconductor, operates a prominent factory in Pocatello. And Forbes has identified the city as a great small town for business and career-minded individuals.

  • Fun fact: Did you know that Pocatello is #1 on the list of “Top 101 cities with largest percentage of males working in industry: Rail transportation (population 50,000+)”? Learn more about Pocatello, ID

Auto Insurance Coverage Requirements in Idaho

Driving legally in Idaho requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 15,000 50,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Liability coverage is a wonderfully affordable option if you are driving around in an older, less expensive vehicle. Anything that’s still shiny and new, however, will necessitate a more comprehensive auto policy. In fact, some lenders require it (if you are still making payments).

Right now, your typical Idaho driver is paying around $88 per month for their automotive insurance. If this sounds like you, then we have good news: you can get as low as $25/mo* just for living in Pocatello. Keep reading, and we’ll show you some of the best ways to get a lower rate.

Average Monthly Auto Insurance Premiums Legend: Pocatello State Farm Allstate Allied Nationwide Liberty Mutual 5 10 15 20 25 30 $21 $34 $27 $25 $21

 

Liberty Mutual, as well as State Farm and Oregon Mutual, are fighting a bidding war for the lowest rates in Pocatello right now. But do those low rates come with a higher standard of customer service? Or a simple and stress-free claims filing process? These are important questions to ask before you decide to switch providers.

Auto insurance carriers evaluate various elements when figuring out insurance quotes, including gender, marital status, occupation, years of driving experience, and business use of the vehicle. In addition, premiums differ from company to company. To make sure you’re still getting the most favorable rate, compare and find cheap car insurance in Idaho here.

Major Car Insurance Factors in Pocatello

There is a variety of various items that might factor into the rate quotes you are provided with. Even though a portion of these factors aren’t really something you can do something about, some of them are elements which you can change for the better. Here are a few things that might change your car insurance premium:

  • Your Zip Code

The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Pocatello is 54,350 and the median household income is $38,746.

Auto Insurance by Zip Code Legend: Boise Idaho Falls Meridian Nampa Pocatello State Farm Allstate Allied Nationwide Liberty Mutual 5 10 15 20 25 30 35 $20 $21 $20 $21 $21 $36 $36 $37 $38 $34 $27 $27 $27 $30 $27 $26 $25 $26 $26 $25 $21 $21 $18 $22 $21

 

  • Automotive Accidents

If you live in a densely populated area with a lot of accidents, that increases your risk for not only getting into an accident yourself, but also for paying higher rates on car insurance. Thankfully, the most recent accident statistics for Pocatello are very low. This means that you should be getting lower rates automatically.

Fatal Accidents in Pocatello, ID Legend: Pocatello Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 7 8 9 10 2 8 1 2 10

 

  • Auto Thefts in Pocatello

Living in a large city (Especially one with a high crime rate) will increase your risk of being a victim of auto theft. If your general location has high rates of theft and claims, you can expect to pay more for auto insurance to offset these costs. The total number of stolen vehicles in Pocatello was 83 back in 2013. That’s almost double the amount of theft from the year before. If you don’t want to be financially responsible in the event that your vehicle gets stolen, try adding Comprehensive coverage to your policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage State Farm Allstate Allied Nationwide Liberty Mutual 10 20 30 40 50 60 70 80 90 100 $21 $55 $34 $100 $27 $63 $25 $60 $21 $106

 

  • Your Credit Score

People with excellent credit also tend to get offered excellent rates on their automobile insurance. Poor credit, on the other hand, will get you a hefty monthly premium. Just take a look at the chart – people with poor credit are paying double or even triple what everyone else is being charged.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit State Farm Allstate Allied Nationwide Liberty Mutual 5 10 15 20 25 30 35 40 $21 $34 $34 $44 $27 $36 $25 $34 $21 $40

 

  • Your Age

Because younger drivers don’t have as much experience on the road as older adults, they are much riskier for insurance companies to cover. Due to this, motorists under the age of 25 get charged exorbitant rates. Thankfully, there are Driver’s Ed and Good Student discounts available.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old State Farm Allstate Allied Nationwide Liberty Mutual 10 20 30 40 50 60 70 80 90 100 $21 $92 $34 $86 $27 $88 $25 $101 $21

 

  • Your Driving Record
Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm Allstate Allied Nationwide Liberty Mutual 5 10 15 20 25 30 35 40 45 50 $21 $23 $23 $25 $34 $38 $42 $46 $27 $32 $52 $39 $25 $29 $51 $39 $21 $30 Do Not Sell $30

Is there a pesky speeding ticket on your record which is raising your rate? What about a minor accident? If so, contact your agent and ask about Accident Forgiveness. You could significantly lower your premiums by taking advantage of this special offer.

  • Your Vehicle

You don’t necessarily need a “Cadillac Plan” to insure an old, used clunker of a car. But if you have the money to splurge on a luxury vehicle, you’re going to have to splurge on a comprehensive insurance policy, too. It’s the only way to protect your investment.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm Allstate Allied Nationwide Liberty Mutual 10 20 30 40 50 60 70 80 90 100 110 120 130 140 $21 $78 $34 $143 $27 $79 $25 $69 $21 $113

 

Minor Car Insurance Factors in Pocatello

Don’t forget about these other (although less influential) factors:

  • Your Marital Status

If you are married, and your insurance policy isn’t bundled with that of your spouse, then you are missing out on some serious discounts. Bundling policies is one of the best way to save money on your monthly premiums.

  • Your Gender

Most providers don’t even really factor gender into the equation anymore when calculating premiums. For those that do, the difference is little more than 1-2%. And whether that difference favors women or men varies from company to company.

  • Your Driving Distance to Work

The average commute time for the typical Pocatello worker can last between 11 and 23 minutes. In regards to how most residents get to work, more than ¾ of drivers prefer to get to work in their own vehicle. An additional 4-20% carpool.

If you drive fewer miles each year, you will save a bunch of money on gas and oil changes; unfortunately, your insurance company won’t reward you with any significant discounts. And if your vehicle is registered for business use, you’re looking at a 10-12% higher insurance premium.

  • Your Coverage and Deductibles

Do you want more coverage that you’re currently paying for? Then consider raising your deductible. Doing so can give you room to purchase more coverage for about the same monthly premium that you’re paying now.

  • Education in Pocatello, ID

Many Pocatello drivers have at least a high school diploma under their belts, while a smaller number of motorists have pursued at least one year (or more) of college. But did you know that having a higher education could get you a cheaper price on your car insurance? It’s actually more important than your job or your salary, as far as insurance companies are concerned.

In a sense, Pocatello is a bit of a college town. It is home to the Idaho State University campus, which is famous for its massive performing arts center. Additionally, the school has a notable basketball and football team. Many of the school’s athletic programs participate in the Big Sky Conference annually.

Finding affordable auto insurance can be a hassle. There’s a lot of information you need to consider and, figuring out how insurance companies evaluate your potential risk can be complicated. But don’t let the wrong insurance company talk you into purchasing the wrong policy.

How We Conducted the Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:
Idaho Department of Insurance

Idaho Department of Finance

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

These Companies Offer Lowest Rates on Auto Insurance in Pocatello, ID – Act Now

FIND THE CHEAPEST INSURANCE QUOTES IN YOUR AREA
Yes No