Car Insurance for Good Drivers in Idaho

The Zebra
July 15, 2019

Auto insurance for good drivers in Idaho

Many of the factors insurance companies use to set your car insurance rates lie beyond your control, including your age, location, and gender. But there are a few factors you can control if you're looking for lower rates.

If you want to find the lowest possible car insurance rates, try to keep your driving history clean, your credit score high, and your monthly mileage low. Car insurance companies are willing to provide price breaks to drivers who present little risk. Exhibiting as little risk as possible behind the wheel — and in everyday life — can result in more affordable rates.

See below a breakdown of the best companies with which to start your car insurance search if you’re a low-risk customer in Idaho.

Car insurance for citation-free drivers in Idaho

One of the easiest ways to pay less for auto insurance is to keep your driving record clean. Auto insurance companies view safe drivers as less risky customers, in turn charging them lower premiums. If you remain on the right side of the law, you could enjoy lower auto insurance rates.

If you're citation-free, start your insurance comparison journey with American National P&C, with average annual premiums totaling $425. That comes out to $656less than the average car insurance rate for drivers without citations in Idaho.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH NO VIOLATIONS IN IDAHO
Insurance CompanyAvg. Annual Auto Insurance Rate
American National P&C$425
USAA$691
State Farm$834
Oregon Mutual$896
SAFECO$1,149
Nationwide$1,155
Allied$1,157
Progressive$1,179

Car insurance rates for drivers with high credit scores in Idaho

Car insurance companies reward clients who maintain a solid credit history. Auto insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If your credit score is between 670 and 739, your best auto insurance option in Idaho could be American National P&C, offering an average annual rate of $425. If your credit score is even better (in the "excellent" range), American National P&C could be the best option. American National P&C's prices for clients who have "excellent" credit average are $562 per year less than the typical car insurance rate for drivers with excellent credit in Idaho.

Find below a breakdown of auto insurance rates in Idaho for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN IDAHO
Insurance CompanyAvg. Annual Auto Insurance Rate
American National P&C$425
USAA$691
State Farm$834
Oregon Mutual$896
SAFECO$1,149
Nationwide$1,155
Allied$1,157
Progressive$1,179

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN IDAHO
Insurance CompanyAvg. Annual Auto Insurance Rate
American National P&C$347
USAA$662
State Farm$750
Oregon Mutual$867
Progressive$962
SAFECO$1,031
Nationwide$1,093
Allied$1,104

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN IDAHO
Insurance CompanyAvg. Annual Auto Insurance Rate
American National P&C$286
USAA$608
State Farm$670
Progressive$715
Oregon Mutual$838
SAFECO$924
Baldwin & Lyons Group$976
Nationwide$1,017

Compare rates from top companies!

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Car insurance for low-mileage drivers in Idaho

The less frequently you drive, the less likely you are to be involved in a collision or file a claim. That’s the logic auto insurance companies use to charge infrequent drivers less. If you stay below the 7,500-mile-per-year threshold, you’re likely to save some money on auto insurance each month. By how much you can cut your premiums by driving less often comes down to your insurance company's pricing practices.

If you're an Idaho resident who drives less than 7,500 miles per year, consider American National P&C, which offers average annual savings of $697 for low-mileage clients.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN IDAHO
Insurance CompanyAvg. Annual Auto Insurance Rate
American National P&C$384
USAA$609
Oregon Mutual$742
State Farm$757
SAFECO$960
American Family$1,078
Nationwide$1,155
Allied$1,157

Start your search today — compare rates now!

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Good driver insurance rates in Idaho — in major cities

In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Auto insurers price policies by the driver’s home ZIP code, adjusting rates for the risk presented by specific locations.

Find below a breakdown of car insurance rates for drivers with positive rating factors in the five most populous cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Boise$1,435$1,435$1,435$1,302$1,198
Meridian$1,407$1,407$1,337$1,277$1,191
Caldwell$1,482$1,482$1,406$1,340$1,243
Pocatello$1,605$1,605$1,522$1,452$1,373
Idaho Falls$1,671$1,671$1,588$1,518$1,416

Find an affordable policy today!

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