Best Idaho Falls, ID Auto Insurance in 2024
Cheap car insurance in Idaho Falls, ID can start at $21/month with both State Farm and Liberty Mutual. There are quite a few companies offering competitive Idaho Falls, ID auto insurance. Some of the top Idaho Falls, ID car insurance companies are but not limited to: State Farm, Allstate, Allied, Nationwide, and Liberty Mutual.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Oct 1, 2024
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Idaho auto insurance requires all drivers to have 25/50/15 in liability coverage. Liability insurance pays if the driver is at fault for the accident. It may be advisable to get more than the minimum in the event your car is stolen, or someone else causes the accident. Drivers looking for cheap car insurance in Idaho Falls, ID have several choices. The best Idaho Falls, ID car insurance companies providing affordable rates are State Farm, Allstate, Allied, Nationwide, and Liberty Mutual. Both State Farm and Liberty Mutual offer monthly rates of $21 for Idaho Falls, ID auto insurance.
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+)”?
In the market for cheap auto insurance in Idaho Falls, ID? At AutoInsuranceEZ.com, you can find the best insurance rates in your town. To find affordable Idaho Falls, ID auto insurance from the leading providers today, enter your ZIP code into the quote box on this page.
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.
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. There are a variety of companies to research, including State Farm Idaho Falls, Allstate Idaho Falls, and more.
Auto insurance carriers evaluate many factors when figuring out Idaho Falls, ID auto 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.
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Major Factors in Cheap Car Insurance in Idaho Falls, Idaho
Idaho Falls, ID auto 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.
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.
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.
Your Credit Score
Do you have poor credit? Well, if you want to get lower Idaho Falls, ID auto insurance rates, 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.
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.
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.
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.
Minor Factors in Cheap Auto Insurance in Idaho Falls, Idaho
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.
Sources:
Department of Highway Safety and Motor Vehicles
These Companies Offer Lowest Rates on Auto Insurance in Idaho Falls – Enter Your ZIP Code Below & Act Now!