Who Has Cheap Car Insurance Quotes for Teenagers in Idaho?

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.

Find the Best Cheap Insurance for Teens

Compare Rates Today

Rankings for the cheapest Idaho auto insurance companies
Rank Company Cost Per Year
1 American National $244
2 Farm Bureau of ID Group $550
3 USAA $552
4 Oregon Mutual $672
5 Travelers $686
6 American Family $706
7 Auto-Owners $720
8 The Hartford $749
9 State Farm $808
10 Nationwide $937
11 Grange $974
12 Allied $1,020
13 Mutual Enumclaw $1,078
14 GEICO $1,092
15 MetLife $1,095
16 Progressive $1,130
17 Safeco $1,162
18 California Casualty $1,165
19 Liberty Mutual $1,285
20 Allstate $1,448
Compare Rates Now Go

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.

Idaho cities ranked by car insurance cost
Rank City Average Per Year
1 Moscow $1,116
2 Idaho Falls $1,086
3 Rexburg $1,085
4 Lewiston $1,067
5 Sandpoint $1,066
6 Ammon $1,057
7 Pocatello $1,056
8 Jerome $1,056
9 Nampa $1,046
10 Blackfoot $1,042
11 Hayden $1,042
12 Chubbuck $1,037
13 Hailey $1,031
14 Burley $1,031
15 Twin Falls $1,029
16 Coeur d’Alene $1,028
17 Post Falls $1,011
18 Caldwell $1,008
19 Payette $992
20 Eagle $986
Find Cheaper Rates Go

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.

Car Insurance Rates for Popular Cars in Idaho
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LTZ $2,734 $1,367 $228
Ford Focus SEL 4-Dr Sedan $2,696 $1,348 $225
Ford Fusion SEL 4-Dr Sedan $2,734 $1,367 $228
Honda Civic DX 4-Dr Sedan $2,564 $1,282 $214
Hyundai Elantra GLS 4-Dr Sedan $2,716 $1,358 $226
Hyundai Sonata GLS 4-Dr Sedan $2,806 $1,403 $234
Nissan Altima 3.5 SR 4-Dr Sedan $2,734 $1,367 $228
Toyota Camry XLE $2,716 $1,358 $226
Toyota Corolla XRS $2,734 $1,367 $228
Get a Custom Quote for Your Car Go

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.

Auto Insurance Rates for Popular SUVs and Crossovers in Idaho
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX 4WD $2,622 $1,311 $219
Chevrolet Traverse LS 2WD $2,200 $1,100 $183
Ford Escape XLT 4WD $2,200 $1,100 $183
Ford Explorer Eddie Bauer 4WD $2,602 $1,301 $217
GMC Acadia SL 2WD $2,432 $1,216 $203
Honda CR-V LX 2WD $2,180 $1,090 $182
Honda Fit Sport $2,012 $1,006 $168
Honda Pilot EX-L 2WD $2,602 $1,301 $217
Hyundai Tucson Limited 2WD $2,584 $1,292 $215
Jeep Grand Cherokee Laredo 2WD $2,584 $1,292 $215
Kia Sportage LX 4WD 4-Dr $2,584 $1,292 $215
Toyota 4Runner Trail Edition 4WD $2,502 $1,251 $209
Toyota Highlander Sport 4WD $2,602 $1,301 $217
Toyota RAV4 2WD $2,584 $1,292 $215
Volvo XC90 3.2 AWD $2,886 $1,443 $241
Get a Custom Quote for Your SUV or Crossover Go

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.

Insurance Rates for Popular Pickup Trucks in Idaho
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 2WD $3,242 $1,621 $270
Chevrolet Silverado LS Regular Cab 4WD $2,432 $1,216 $203
Dodge Ram 3500 Mega Cab Laramie 4WD $3,886 $1,943 $324
Dodge Ram Quad Cab Laramie 4WD $3,108 $1,554 $259
Ford F-150 XL Super Cab 4WD $2,452 $1,226 $204
Ford F-250 XL Turbo Diesel 2WD $3,088 $1,544 $257
GMC Canyon SLE Ext Cab 2WD $2,564 $1,282 $214
GMC Sierra 2500HD SLE Extended Cab 2WD $3,088 $1,544 $257
GMC Sierra Denali Crew Cab 4WD $2,886 $1,443 $241
Toyota Tundra SR/5 Double Cab 4WD $2,824 $1,412 $235
Get a Custom Quote for Your Truck Go

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.

Top 15 Insurance Companies in Idaho
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

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.

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.

Largest Auto Insurance Company Ratings
State Farm Allstate Geico Progressive
Customer Satisfaction 4th 2nd 1st 3rd
Claims Service 2nd 1st 3rd 4th
Policy Cost 2nd 4th 1st 3rd
Discounts Available 3rd 1st 2nd 4th
U.S. market share 18.3% 10% 11.4% 8.8%
Emergency roadside assistance Yes Yes Yes Yes
Breakdown insurance No No Yes Yes
New car replacement No Yes No No
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Rate for vehicle usage Yes Yes No Yes
Accident forgiveness coverage No Yes Yes Yes
Get Quotes Go