Who Has Cheap Car Insurance Quotes for Teenagers in Idaho?

Finding good, low-cost car insurance is confusing at best, and figuring out which companies quote the lowest-priced insurance rates for teenagers will involve a little more work. Insurance premiums will more than likely be much pricier than the average price in Idaho due to the extra risk associated with offering coverage for teen drivers, but reasonable insurance may be achievable if you find the right company. Each auto insurer uses slightly different criteria for setting rates, so we’ll take a look at the lowest cost insurance companies in Idaho.

It’s important that readers know that Idaho insurance rates are influenced by many factors which can significantly increase or decrease the price you have to pay for coverage. This price fluctuation is why Idaho drivers need to perform a complete rate comparison to find the most budget-friendly insurance rates for teenagers. Insurance prices can be altered by many factors and can decrease or increase without notice, so the most economical option the last time you compared rates may now be an over-priced policy.

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American National offers some of the best car insurance rates in Idaho at around $244 per year. Farm Bureau of ID Group, USAA, Oregon Mutual, and Travelers are also some of the cheapest Idaho car insurance companies.

As shown in the table above, if you currently have coverage with Oregon Mutual and switched to American National, you may realize annual savings of approxmiately $428. Drivers with Travelers may save as much as $442 a year, and American Family policyholders might see rate reductions of $462 a year.

Remember that these premium estimates are averages across all insureds and vehicles and and are not calculated with a rate increase for teenagers. So the auto insurance company that fits your needs best may not even be included in the above list. That’s why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

When buying insurance for teen drivers, one of the key considerations that insurance companies use to determine the annual cost of car insurance is where you normally keep your vehicle in Idaho. More densely populated places like Moscow, Rexburg, and Sandpoint will most likely pay more, whereas less populated areas tend to receive cheaper rates.

The table below sorts the higher priced cities in Idaho for teenagers to buy an auto insurance policy in.

Price information shown is comparative as specific location information can change premiums noticeably.

Everyone has different tastes in autos, and the style of vehicle you are buying coverage for is one of the largest considerations that determines the availablility of cheap car insurance for teenagers in Idaho. Vehicles with high performance engines, a lack of advanced safety features, or high incidents of liability claims will cost quite a bit more to insure than safer, lower-performance models. The information below estimates insurance prices for the most cost-effective automobiles to buy coverage for.

Table data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in specific Idaho garaging location which can revise premiums greatly.

Cost estimates assume single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in garaging location in Idaho which can alter auto insurance rates significantly.

Data variables include single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in vehicle garaging location which can change rates considerably.

Ending up with the top insurance provider can be difficult considering how many companies provide coverage in Idaho. The ranking information displayed below can help you select which car insurance companies to look at putting your business with.

These ratings only include the companies with a significant amount of written premium nationwide, so smaller companies will not be included in this list. If you wish to compare prices and find cheaper insurance for teenagers, just click here.

Responsible drivers pay cheaper insurance rates

The obvious way to maintain cheap car insurance for teenagers in Idaho is to be an attentive driver and avoid accidents and violations. The diagram below illustrates how violations and accident claims can increase car insurance costs for different insured age categories. The rates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

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The data above shows the average cost of car insurance in Idaho per year with a clean driving record and no accidents is $865. Get two speeding tickets and the average cost surges to $1,221, an increase of $356 each year. Now get one accident along with the two speeding tickets and the annual cost of insurance for teenagers increases to an average of $1,578. That’s an increase of $713, or $59 per month, just for not driving responsibly!

State Farm vs Allstate vs Geico vs Progressive

If you are looking for the best car insurance, some of the largest companies to start with are State Farm, Allstate, Geico, and Progressive. All of them offer physical damage and liability coverage, but each has slightly different coverage options that you can choose from. The next table points out some of the different options and features that may be available in your state.