By Amanda Moss | Licensed Agent and CSR at Learnandserve.org | Powered by A Plus Insurance
- Auto Insurance in Idaho: Full Coverage with Affordable Prices
- How much is car insurance per month in Idaho?
- Auto Insurance in the "Gem State" of Idaho: What You Need To Know
- Auto Insurance insurance in Idaho: Car Insurance Laws & Requirements
- Auto Insurance in Idaho: Discounts
- Discounts on Auto Insurance*
- -Higher Education-Married-Military-Paid in Full-Paperless-Multi-Policy-Multi-Vehicle-Continuous Insurance-Homeowners
- *These are potential discounts, not all are offered in every state or by every insurance company. Call A Plus Insurance to see if you qualify!
- The Best Auto Insurance in Idaho
- Full Coverage Auto Insurance in Idaho: FAQ
- Auto Insurance in Idaho
- Frequently Asked Questions About Auto Insurance in Idaho
- Other Helpful Links: Suggestions
- INSURANCE SERVICES WE OFFER
Strategies for Finding the Best Auto Insurance
- Compare Multiple Quotes: Rates can vary significantly between insurers for the same coverage. Use online comparison tools or work with an insurance broker to get quotes from several companies.
- Check Customer Satisfaction and Reviews: Look at customer reviews and ratings on platforms like J.D. Power, Consumer Reports, and the Better Business Bureau (BBB). These can provide insight into customer service and claim handling.
- Evaluate Financial Strength: Choose insurers with strong financial ratings from agencies like A.M. Best or Standard & Poor’s. This indicates an insurer’s ability to pay out claims.
- Consider Local and Regional Insurers: In addition to national insurers, local and regional companies can sometimes offer better rates or more personalized service for Idaho residents.
- Discounts: Ensure you’re getting all the discounts you qualify for, such as those for good drivers, multiple policies, vehicle safety features, and more.
Notable Auto Insurance Companies in Idaho
While the best company for you will depend on your specific needs, here are a few insurers known for their competitive rates, customer service, and coverage options in Idaho:
- State Farm: Offers a wide range of coverage options and discounts, with agents available throughout Idaho.
- Geico: Known for competitive pricing and easy online management of policies.
- Progressive: Offers customizable policies and discounts, with strong online tools and resources.
- USAA: If you or a family member are a member of the military, USAA offers excellent rates and customer service, though eligibility is restricted.
- Farm Bureau Insurance of Idaho: A local option with a strong presence in Idaho, known for personalized service and competitive rates for members.
Tips for Idaho Drivers
- Understand Idaho’s Insurance Requirements: Idaho requires drivers to have both bodily injury and property damage liability insurance. Make sure your policy meets these minimums.
- Consider Comprehensive and Collision Coverage: If you’re in an area of Idaho prone to natural events or if you have a newer vehicle, comprehensive and collision coverage can be valuable.
- Assess Your Needs for Uninsured Motorist Coverage: Given that not all drivers carry adequate insurance, this coverage can offer additional peace of mind.
Remember, the best auto insurance policy is one that offers adequate coverage for your needs at a competitive price, with service that meets your expectations. It’s advisable to review your auto insurance needs and policy details annually, as changes in your life situation, driving habits, or the market can affect what is best for you.
How much is car insurance per month in Idaho?
The cost of auto insurance in Idaho varies depending on several factors, including your driving record, age, the type of vehicle you drive, and the coverage options you select. On average, drivers in Idaho can expect to pay around $100 to $200 per month for car insurance. Factors such as maintaining a clean driving record, bundling policies, and qualifying for discounts like good student or safe driver discounts can help lower your monthly premiums. To find the most affordable rates, it’s essential to compare quotes from multiple insurance companies and consider factors such as coverage limits and deductible amounts.
Factors Impacting Car Insurance Rates:
- Driving Record
- Age and Gender
- Vehicle Make and Model
- Coverage Options
- Deductible Amount
- Credit Score
- Discounts Available
- Policy Duration Options
Auto Insurance in the “Gem State” of Idaho: What You Need To Know
Auto insurance based out of Idaho has one of the cheapest average rates in the United States. What does that mean? The average auto rate in Idaho is about $1,120 compared to Florida’s $2,550 average premium. WOW! That’s a pretty big difference. Why? Well, there are many factor’s that go into the pricing. For example:
- Age
- Gender
- Marital Status
- Driving Record
- Insurance Carrier
- Prior Claims/Violations
- The State AND City in which you live
Living in the “Potato State” is way cheaper for auto insurance; which means full coverage auto insurance in Idaho is more affordable as well.
What is full coverage auto insurance exactly?
Full Coverage refers to having both liability and physical damage coverages (comprehensive & collision). This does not include Roadside Assistance, Rental Reimbursement, and Medical Payments.
Comprehensive
-Protects against damage to your vehicle by any type of non-collision events such as theft, vandalism, fire, weather, glass & windshield damage, and accidents caused by an animal.
Collision
-Protects against damage to your vehicle resulting from a collision with an object such as a tree, mailbox, telephone pole, guard rail, or another vehicle.
Liability
-Protects you against claims resulting from injuries and damage to other people/property.
Imagine an Idaho potato falls out of the sky, strikes your vehicle, and damages the hood.
Comprehensive Insurance would cover that!
*Note: You typically cannot buy comprehensive insurance by itself, it must be purchased as a full coverage auto insurance package.
Auto Insurance insurance in Idaho: Car Insurance Laws & Requirements
According to the Idaho Department of Insurance, Idaho residents are required to have and maintain Bodily Injury Liability and Property Damage Liability for each registered vehicle in the state of Idaho – This is NOT full coverage, only liability.
Full Coverage auto insurance in Idaho State is optional. However, having the State’s minimum requirement for liability is not.
In Idaho, the minimum amount for liability that must be held is 25/50/15. Now, you may increase your liability limits if you wish, but you can never have lower liability than what is required by the State.
| $25,000 | Bodily Injury Per Person |
| $50,000 | Bodily Injury Per Occurrence |
| $15,000 | Property Damage Per Occurrence |
Auto Insurance in Idaho: Discounts
Who doesn’t like a good bargain? It’s why Black Friday is so popular!
Did you know that you could potentially get discounts on auto insurance in Idaho? Seriously!
Check out the box below for some common discounts you may not even realize you qualify for:
Discounts on Auto Insurance*
-Higher Education
-Married
-Military
-Paid in Full
-Paperless
-Multi-Policy
-Multi-Vehicle
-Continuous Insurance
-Homeowners
*These are potential discounts, not all are offered in every state or by every insurance company. Call A Plus Insurance to see if you qualify!
The Best Auto Insurance in Idaho
You ever try on an article of clothing that claims “one size fits all”? Yeah that’s not usually the case, in fact it’s usually fits pretty weird. Well, it’s the same with insurance. There is no “best” car insurance out there that fits everyone because we all have different circumstances and lifestyles.
So what can you do? Call A Plus Insurance!
What makes us different from other companies? We save you time AND money!
We compare 9 different companies across the United States to find the BEST coverage for you! So I guess one size really does fit all.
Full Coverage Auto Insurance in Idaho: FAQ
Auto Insurance in Idaho
Frequently Asked Questions About Auto Insurance in Idaho
Q1: How much is car insurance per month in Idaho?
A1: The cost of car insurance in Idaho varies based on several factors including the driver’s age, driving history, and the type of coverage. On average, drivers in Idaho might expect to pay between $30 and $70 per month for basic coverage. However, for full coverage, the rates can be higher. It’s best to get a personalized insurance quote for the most accurate estimate.
Q2: What is the minimum auto insurance coverage required in Idaho?
A2: In Idaho, drivers are required to have liability auto insurance coverage with minimum limits of $25,000 for bodily injury or death per person, $50,000 for bodily injury or death per accident, and $15,000 for property damage. This is often referred to as 25/50/15 coverage.
Q3: Who is known for the cheapest car insurance?
A3: The provider known for offering the cheapest car insurance can vary based on individual circumstances. However, companies like Progressive, Geico, and State Farm are often recognized for competitive rates. It’s important to compare quotes from multiple insurance companies, including local and regional providers, to find the most affordable option for your specific needs.
Other Helpful Links: Suggestions
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Last Updated on by Camron Moss