Cheap Car Insurance in Idaho Falls, ID

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

The economies of east Idaho and Wyoming are intricately connected to Idaho Falls. Many different publications have boasted about the higher quality of life that the citizens of Idaho Falls enjoy. Additionally, the city is home to a host of outdoor recreational facilities and a popular minor league baseball team.

  • Fun fact: Did you know that Idaho Falls is #2 on the list of “Top 101 cities with largest percentage of males working in industry: Building material and garden equipment and supplies dealers (population 50,000+)”? Learn more about Idaho Falls.

Auto Insurance Coverage Requirements in Idaho

Driving in Idaho? Hopefully, you have at least the following forms of insurance coverage:

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 sufficient if you drive around in an old, relatively cheap car. However, newer vehicles require much more coverage. If you are still making payments on a financed vehicle, your lender may even require it.

Did you know that the average Idaho motorist is paying around $88 per month right now for their insurance? It’s certainly below the national average, but the good news is that it could be lower. In fact, Idaho Falls residents can get it down to $26/mo* by following the suggestions below.

Average Monthly Auto Insurance Premiums Legend: Idaho Falls State Farm Allstate Allied Nationwide Liberty Mutual 5 10 15 20 25 30 35 $21 $36 $27 $25 $21


If you’re looking for the lowest possible rate, then you’ll want to give Liberty Mutual, State Farm, or Nationwide a call. But remember that there is more to insurance than just a low rate. You also have to consider customer service and claims filing when choosing a provider.

Auto insurance carriers evaluate many factors when figuring out insurance quotes, including driving violations, accident claims, your occupation, how many years of driving experience you have, and your current insurance coverage and limits. In addition, premiums differ from carrier to carrier. To find out whether you’re still paying the most favorable rate, learn more about Idaho auto insurance requirements here.

Major Car Insurance Factors in Idaho Falls

Insurance companies take numerous variables into account when designing an auto insurance policy. Unfortunately, a number of these factors are difficult or impossible to change, such as your gender or where you live. Other elements your car insurance company may consider include:

Your Zip Code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Idaho Falls is 58,292 and the median household income is $44,913.

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 an area with fewer accidents, you will likely get a lower monthly rate without having to lift a finger. The most recent statistical data for accidents in Idaho Falls is shown in the chart below. Considering the sizeable population of the city, it looks like you’re eligible for lower premiums.

Fatal Accidents in Idaho Falls, ID Legend: Idaho Falls 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 3 4 1 3 4 2


Auto Thefts in Idaho Falls

Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance. The total number of stolen vehicles in Idaho Falls was 109 back in 2013. Since this indicates a rise in theft from recent years, you might want to think about adding Comprehensive coverage – it’s the only coverage which protects against theft.

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 90 100 110 120 $21 $53 $36 $101 $27 $68 $25 $64 $21 $129


Your Credit Score

Do you have poor credit? Well, if you want to get lower rates on automotive insurance, then you should seriously consider taking steps to improve your credit score. As the chart shows, drivers with poor credit are paying double the rates (or more) of drivers with good credit.

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 $18 $34 $35 $43 $25 $36 $23 $35 $15 $40


Your Age

IF you’re under the age of 25, the bad news is that your insurance rates are going to be some of the highest around. However, there are discounts for students who get good grades, as well as students who have taken driving courses. This might help alleviate your burden.

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 $36 $84 $27 $89 $25 $103 $21 $98


Your Driving Record

Serious violations, such as a DUI, will raise your insurance rates. They might even get your coverage dropped altogether. Minor violations, such as your typical “fender-bender” collision, could be forgiven if your provider offers an “Accident Forgiveness” discount.

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 $36 $40 $43 $49 $27 $32 $53 $39 $25 $29 $52 $40 $21 $30 Do Not Sell $30


Your Vehicle

Most people don’t know the specific reason why luxury vehicles cost so much more to insure – they just assume that it’s because of the expense. In part, this is true. But you also have to purchase more coverage to protect an expensive vehicle, which is the real reason the price to insure luxury vehicles is so high.

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 90 100 110 120 130 140 150 160 $21 $85 $36 $163 $27 $91 $25 $76 $21 $156


Minor Car Insurance Factors in Idaho Falls

Pay careful attention to the factors below for an extra tweak on your monthly rate:

Your Marital Status

Bundling numerous insurance policies under one company is not a new practice – anyone can do it. What’s more is that if you’re married, you can bundle with your spouse, too. This can save you even more money.

Your Gender

Everyone knows the stereotypes about how a certain gender performs behind the wheel…except for insurance companies, that is. More and more providers are offering identical rates, regardless of gender. And if your provider does charge a difference, it’s little more than a few dollars each month.

Your Driving Distance to Work

Most drivers may find their average work commute lasting 14-20 minutes each day. About three quarters of workers prefer to drive their own vehicle in to work, while around 8-20% carpool.

Did you know that business vehicles are 10% more costly to insure than personal use vehicles? Additionally, your overall yearly mileage doesn’t matter as much as you might think. At best, you’d save maybe 2-3% by driving fewer than 6,000 miles per year.

Your Coverage and Deductibles

One quick and easy way to lower your monthly premium is to raise your deductible. Be careful, though, if you decide to go this route. Save up a little money on the side, just in case the worst happens and you need to file a claim.

Education in Idaho Falls, ID

Many drivers in Idaho Falls have a high school diploma or some equivalent thereof. A lesser number of drivers also have either a bachelor’s degree or some college education under their belts. And if you’re one of these educated few, you could be saving money on your car insurance – even more than someone with a fancy job and a high salary, but little formal education.

Idaho Falls has tried to attract major university support over the years, but the city has yet to make a home for any traditional, four-year institutions. However, the Eastern Idaho Technical College can be found there, and some online degree programs (such as the University of Phoenix) have opened local centers for students.

Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.

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.


Idaho Department of Insurance

Idaho Department of Finance

Department of Highway Safety and Motor Vehicles

These Companies Offer Lowest Rates on Auto Insurance in Idaho Falls – Act Now!