The car, truck, or SUV you are buying coverage for is one of the largest factors when comparing quotes for cheap auto insurance for drivers with accidents in Idaho. Vehicles with reasonable performance levels, excellent safety ratings, or a low likelihood of having liability claims will cost significantly less to insure than high performance models. The list below outlines coverage premiums for a selection of the most budget-friendly vehicles to buy coverage for.
Vehicle Make and Model | Estimated Cost for Full Coverage |
---|---|
Ford Escape Limited 2WD | $993 |
Honda CR-V EX-L 4WD | $1,008 |
Chevrolet Traverse LTZ 2WD | $1,017 |
Subaru Forester X Limited Edition AWD | $1,028 |
Ford Explorer XLT 4WD | $1,052 |
Volkswagen Jetta S 2.5 Station Wagon | $1,053 |
Toyota Prius | $1,079 |
Ford Edge SE 2WD | $1,086 |
Hyundai Santa Fe GLS 2WD | $1,099 |
Ford F-150 XL Crew Cab 2WD | $1,108 |
Hyundai Tucson GLS 4WD | $1,099 |
Kia Forte LX 4-Dr Sedan | $1,107 |
Dodge Grand Caravan Hero | $1,110 |
Subaru Outback 3.6R Premium | $1,123 |
Toyota RAV4 Limited 2WD | $1,159 |
Ford Fusion S 4-Dr Sedan | $1,176 |
Chevrolet Malibu LS | $1,185 |
Nissan Altima Hybrid 4-Dr Sedan | $1,180 |
Toyota Highlander SE 4WD | $1,192 |
Kia Optima LX | $1,200 |
Compare Cheap Rates Go |
Data based on single male driver age 50, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Idaho minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Price information does not factor in specific location which can impact rates considerably.
Based on these rates, you can expect models like the Ford Escape, Honda CR-V, Chevrolet Traverse, Subaru Forester, and Ford Explorer are going to be a few of the less-costly vehicles to insure for drivers with at-fault accidents. The cost of a car insurance policy will tend to be more expensive because there is a higher risk for drivers with accidents, but overall those particular models will have the best rates that you are likely to find.
For drivers with at-fault accidents, one of the largest factors that impact car insurance rates is where your residence is. Areas with high crime rates or more dense population like Moscow, Ammon, and Burley tend to have more expensive car insurance rates, whereas areas with less congestion tend to receive cheaper rates.
The table below displays the more expensive cities in Idaho for drivers with accidents in which to purchase auto insurance.
Rank | City | Average Per Year |
---|---|---|
1 | Moscow | $1,105 |
2 | Sandpoint | $1,099 |
3 | Ammon | $1,089 |
4 | Lewiston | $1,067 |
5 | Burley | $1,062 |
6 | Pocatello | $1,056 |
7 | Idaho Falls | $1,054 |
8 | Rexburg | $1,053 |
9 | Hayden | $1,053 |
10 | Blackfoot | $1,052 |
11 | Caldwell | $1,050 |
12 | Nampa | $1,046 |
13 | Jerome | $1,045 |
14 | Chubbuck | $1,037 |
15 | Twin Falls | $1,029 |
16 | Payette | $1,022 |
17 | Hailey | $1,001 |
18 | Coeur d’Alene | $998 |
19 | Boise | $984 |
20 | Post Falls | $981 |
Quote Best Rates Go |
Prices are approximated as the specific Idaho residence address can lower or raise price quotes significantly.
Auto insurance companies that provide cheap auto insurance for drivers with accidents in Idaho may have rate discounts that may potentially lower prices by as much as 30% if you meet specific eligibility requirements. A few of the larger companies and some of their more popular discounts are detailed below.
Discount | Allstate | State Farm | Progressive | Geico | Nationwide | Liberty Mutual | Farmers |
---|---|---|---|---|---|---|---|
Multiple policies | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Multiple vehicles | No | Yes | Yes | Yes | Yes | Yes | Yes |
Theft prevention | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Anti-lock brakes | Yes | Yes | No | Yes | No | Yes | No |
Air bags | Yes | Yes | No | Yes | Yes | Yes | Yes |
Newer vehicle | Yes | Yes | No | No | Yes | No | Yes |
Green vehicle | Yes | No | No | No | No | Yes | Yes |
Safe driver | Yes | Yes | Yes | Yes | Yes | No | Yes |
Defensive driving course | Yes | Yes | Yes | Yes | Yes | No | Yes |
Low mileage | Yes | Yes | Yes | No | Yes | Yes | No |
Military | No | Yes | Yes | Yes | No | No | Yes |
Occupational | No | No | No | Yes | Yes | Yes | Yes |
Paid in full | Yes | No | Yes | Yes | Yes | Yes | Yes |
Email statements | Yes | No | Yes | Yes | Yes | Yes | Yes |
Loyalty | No | Yes | Yes | No | Yes | No | Yes |
Good student | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Distant student | Yes | Yes | Yes | No | Yes | Yes | Yes |
Homeowner | No | No | Yes | No | No | No | Yes |
Seat belt usage | No | No | No | Yes | No | No | No |
Get quote online | No | No | Yes | No | No | No | No |
Compare Rates Now Go |
The chart below illustrates the comparison of car insurance costs with and without discounts applied. The premiums assume a male driver, no violations and one accident, Idaho state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with paid-in-full, continuous coverage, multiple vehicle, homeowner, marriage, and passive restraint discounts applied. When discounts are applied, the average savings per year on car insurance for drivers with accidents is 16% or $227.
google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3395,2437],[‘Age 30’, 2009,1451],[‘Age 40’, 1997,1441],[‘Age 50’, 1869,1349],[‘Age 60’, 1825,1313],[‘Age 70’, 2111,1515]]);var options = {title: ‘Insurance Rate Comparison with Discounts for Drivers with Accidents’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}
Finding cheap auto insurance for drivers with accidents in Idaho should be important to most vehicle owners, and one of the quickest ways to find cheaper insurance is to not insure for full coverage. The diagram below illustrates the comparison of annual premium costs with full coverage compared to only the Idaho minimum liability coverage. The data is based on a clean driving record, no at-fault accidents, $100 deductibles, single status, and no discounts are taken into consideration.
google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 2325,723],[‘Age 30’, 1211,401],[‘Age 40’, 1199,373],[‘Age 50’, 1093,349],[‘Age 60’, 1057,345],[‘Age 70’, 1279,457]]);var options = {title: ‘Full Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Idaho’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}
If we average the cost for ages 20 through 70, full coverage costs an extra $1,361 per year more than insuring for liability only. That proposes the question when is the right time to remove full coverage. There is no definitive guideline for dropping full coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
There are some conditions where removing full coverage is not a good plan. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage.
It is possible to find better rates, and here are a few money-saving solutions that can help Idaho drivers buy low-cost coverage.
The final tip is highly critical, as was noted in the article above. Prices charged by companies in Idaho adjust often, so don’t be afraid to change insurance companies if you find a better deal.
Many drivers have brand loyalty and that’s fine, but it’s not recommended if that loyalty ends up costing a fortune every year. Take a couple minutes and shop around to find cheaper car insurance for drivers with accidents.