Who Has Cheap Auto Insurance for 19 Year Olds in Idaho?

The model of vehicle you are trying to insure is a significant factor when comparing cheap car insurance for 19 year olds. Vehicles with economical engines, good safety features, or low incidents of liability claims will cost less to insure than higher performance models.

The tables below presents car insurance premiums for some of the most affordable vehicles to buy coverage for.

Cost estimates assume single female driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in your specific Idaho location which can decrease or increase premium rates greatly.

Data based on single female driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in your specific Idaho location which can increase or decrease coverage rates substantially.

Prices above based on single female driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in garaging location in Idaho which can lower or raise price quotes noticeably.

Locating cheap car insurance is easier said than done, and figuring out which companies quote the cheapest auto insurance rates for 19 year olds involves even more work. Insurance prices will more than likely be quite a bit more expensive than the average policy in Idaho due to the extra risk that comes with offering insurance for teenage drivers, but reasonable insurance should be obtainable with a little diligence.

Each insurer has their own formula for setting rates, so let’s begin by examining the auto insurance companies with the most affordable rates in Idaho. It’s important that readers know that Idaho auto insurance rates are calculated based on many things that control the cost of coverage. This price variability is why consumers need to compare as many rates as possible to find the lowest auto insurance rates for 19 year olds. Insurance rates can be determined by many factors and change frequently, so the best company when you last compared rates may now be one of the more expensive options.

Cheap Insurance Rates for Teens

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American National may have some of the best car insurance rates in Idaho at around $244 annually. Farm Bureau of ID Group, USAA, Oregon Mutual, and Travelers are also some of the more affordable Idaho insurance companies.

As the example above demonstrates, if you currently have a policy with Oregon Mutual and switched to Farm Bureau of ID Group, you might see an annual savings of in the vicinity of $124. Idaho drivers with Travelers may save as much as $172 a year, and American Family customers might see rate reductions of $192 a year.

It’s important to note that these policy prices are averaged for all drivers and vehicles and and are not calculated with a price increase for 19 year olds. So the insurer that fits your age and vehicle best may not even be in the list above. That points out the importance of why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

When shopping for car insurance for teenage drivers, one of the many considerations that is looked at to determine the amount you pay for auto insurance is where you call home in Idaho. Urban areas that are densely populated like Moscow, Rexburg, and Sandpoint tend to have higher rates, whereas more rural areas have the benefit of cheap car insurance for 19 year olds in Idaho.

The illustration below sorts the priciest cities in Idaho for 19 year olds to purchase auto insurance in.

Rates are comparative as zip code location can lower or raise insurance rates significantly.

Discounts on cheap car insurance for 19 year olds in Idaho

Car insurance companies that provide policies for 19 year olds may also give you rate discounts that could lower prices by 30% or more if you qualify for them. A few popular companies and a partial list of their discounts are shown below.

The diagram below illustrates the comparison of insurance costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no claims or driving citations, Idaho state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with defensive driving course, passive restraint, multiple vehicle, anti-theft, homeowner, and vehicle safety discounts applied. When these discounts are applied, the average savings per year on auto insurance for 19 year olds is 13% or $260.

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Picking the top car insurance company can be a challenge considering how many different companies insure vehicles in Idaho. The company rank data below could help you decide which insurers to look at comparing rates from.

The ratings below are only comprised of companies that write coverage in many states, so smaller companies are not included in this list. To check prices from many more Idaho auto insurance companies, click here.

Top 10 Major Auto Insurance Providers in Idaho Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. GEICO
5. Progressive
6. Liberty Mutual
7. Allstate
8. The Hartford
9. The General
10. Farmers Insurance

Allstate, Progressive, Geico, or State Farm: Which is best?

If you’re looking for the best car insurance, the four most popular companies are Allstate, Progressive, Geico, and State Farm. The table below shows some of the different options offered by each one.