Who Has Cheap Car Insurance Quotes for Drivers with Accidents in Idaho?

Who Has Cheap Car Insurance Quotes for Drivers with Accidents in Idaho?

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.

Cheapest Auto Insurance Rates for Drivers with Accidents in Idaho
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
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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.

How much does car insurance cost in Idaho?
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
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Prices are approximated as the specific Idaho residence address can lower or raise price quotes significantly.

Discounts on Idaho insurance rates

Save on car insurance for drivers with at-fault accidents in IdahoAuto 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.

Car Insurance Discounts Available by Company
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
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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);}

Do you need full coverage?

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.

How to find cheaper auto insurance for drivers with accidents

It is possible to find better rates, and here are a few money-saving solutions that can help Idaho drivers buy low-cost coverage.

  • Drop full coverage on older vehicles
  • Raise deductibles to save money
  • Buy vehicles with good safety ratings
  • Pay less by remaining claim-free
  • Multi-policy discounts save money
  • Increase your credit score
  • Compare rate quotes often

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.