How Much Does Auto Insurance Cost for 18 Year Olds in Idaho?

Our editors always tell us that when writing about auto insurance, the word affordable should not appear anywhere to describe car insurance prices. Nonetheless, cheap auto insurance for 18 year olds can be difficult to find. Don’t let that get you down, though, because we can show you some ways you can quote auto insurance that you can afford.

When shopping for auto insurance for teen drivers, one of the many factors that establish the policy price is where you normally keep your vehicle in Idaho. Regions with more people or even just more weather-related claims like Ammon, Sandpoint, and Moscow tend to have more expensive auto insurance rates, whereas areas with less congestion benefit from having to pay less for coverage.

The following table sorts the more expensive cities in Idaho for 18 year olds to purchase auto insurance in.

Premium costs are comparative as the specific garaging location can revise coverage rates significantly.

The vehicle you are buying coverage for is one of the main factors when comparison shopping for cheap car insurance for 18 year olds in Idaho. Vehicles with lower acceleration and performance, excellent safety ratings, or a positive history of liability claims will cost substantially less to insure than adrenaline junky models. The data below outlines coverage prices for the most affordable vehicles to insure in Idaho.

Data based on single male driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in specific location which can increase or decrease auto insurance rates significantly.

Based upon these rates, you can infer that cars like the Honda CR-V, Ford Escape, and Chevrolet Traverse should be some of the cheapest vehicles to insure for teen drivers. The cost of auto insurance will trend higher because there is more liability exposure for 18 year olds, but overall those specific models will have the least expensive rates compared to other types of vehicles.

Finding reliable, affordable insurance is tough enough, and deciding which company has the cheapest insurance rates for 18 year olds will take a little more work. Premiums will probably be much pricier than the average policy in Idaho, with the increase attributed to the potential for more claims related to selling insurance for teen drivers, but affordable coverage may be available if you are thorough. Each insurance company uses a little different formula to determine premium rates, so let’s begin by examining the most budget-friendly insurance companies in Idaho.

It’s a good idea to know that Idaho insurance rates are determined by lots of factors that may substantially change the price you pay. Simply having another birthday, increasing deductibles, or getting a driving violation can trigger rate changes that can make some companies less affordable than competitors.

Lowest Insurance Price Quotes for Teens

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American National may offer some of the lowest car insurance rates in Idaho at around $244 a year. USAA, Farm Bureau of ID Group, Oregon Mutual, and Travelers also qualify as some of the best Idaho auto insurance companies.

In the rate table above, if you are a customer of Oregon Mutual and switched to American National, you could see an annual savings of in the vicinity of $434. Policyholders with Travelers might save as much as $442 a year, and American Family customers might lower prices by up to $462 a year.

Bear in mind that those estimates are averages for all drivers and vehicles and and are not calculated with a rate increase for 18 year olds. So the car insurance company that can offer you the best rate may not even be included in the rate chart shown above. That points out the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

How to get discounts on Idaho auto insurance rates

Insurance providers that provide cheap car insurance for 18 year olds in Idaho may provide policy discounts that can lower rates by as much as 40% or more if you are eligible. Companies and a selection of discounts include:

• 21st Century offers discounts for teen driver, automatic seat belts, theft prevention, 55 and older, good student, anti-lock brakes, and student driver.
• Progressive may include discounts for online quote discount, homeowner, online signing, multi-vehicle, continuous coverage, good student, and multi-policy.
• State Farm may have discounts that include anti-theft, Steer Clear safe driver discount, student away at school, Drive Safe & Save, defensive driving training, multiple policy, and passive restraint.
• Nationwide includes discounts for good student, accident-free, defensive driving, Farm Bureau membership, anti-theft, multi-policy, and easy pay.
• Esurance has discounts for homeowner, good driver, online shopper, renters, claim free, and paid-in-full.
• The Hartford policyholders can earn discounts including vehicle fuel type, driver training, defensive driver, anti-theft, bundle, good student, and air bag.

The diagram below visualizes the comparison of car insurance rates with and without policy discounts. The premiums assume a female driver, no violations or accidents, Idaho state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with continuous coverage, good student, vehicle safety, paperless filing, paid-in-full, and anti-theft discounts applied. When discounts are applied, the the average amount saved on insurance for 18 year olds is 28% or $321.

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How to get cheap car insurance for 18 year olds in Idaho

It’s not impossible to find cheaper rates, and here are some of the better money-saving suggestions that can help you find more affordable coverage.

• Good credit scores may lower your rates
• Earn a discount by not filing claims
• Accident-free drivers may qualify for discounts
• Save money by obeying traffic laws and keeping a clean driving record
• Buying car and homeowners insurance together can save money
• Higher deductibles mean lower rates
• Compare rates often to find the best deal

That final tip is particularly valuable, as we hit on in the article above. Coverage rates in Idaho fluctuate considerably, so drivers shouldn’t be resistant to change to a new company if you can find a cheaper rate. Many drivers have brand loyalty and that’s fine, but it’s not recommended if that loyalty ends up costing a wad of cash every year. Take a couple minutes and compare prices and find cheaper auto insurance for 18 year olds.

Who has the cheapest insurance quotes for teen drivers?

Drivers have many ways to find affordable insurance in Idaho, but the most popular ways are through a captive (or exclusive) agency like State Farm or Allstate, an independent insurance agent, or direct online or over the phone from a company like Progressive or Geico.

All three ways are similar, but each is different in how they function.

Independent insurance agencies write for multiple companies and can provide price quotes from each one. These types of agencies are not locked into one company and can compare multiple rates, which may provide you with improved odds of finding cheaper coverage. If the agent locates a cheaper price, your agent can just switch to a different company and you can remain with the same agent.

An exlusive, or captive, agency is only able to give rates for one insurance company, two popular examples being a State Farm or Farmers agent. This type of agents cannot provide multiple price quotes, so if prices are high they cannot provide alternatives.

Buying from a direct company means do not use local agents and buy direct from companies such as Progressive or Esurance. Buying direct may be good for consumers who do not have a complex risk profile and have knowledge of the exclusions of a policy.

So what is the best way to find cheap car insurance for 18 year olds in Idaho? One answer would be buying from a direct company results in the cheapest price because there are no middleman commissions, but that turns out to not be true. It could also be said buying insurance from an independent agent results in the best rates due to increased selection, but that is not necessarily true either. In the right set of circumstances, exclusive agencies may have prices well below independent agents AND direct companies.

Because of the variability of insurance rates, the best method to get rock-bottom rates is to compare rate quotes from as many companies as possible. We highly recommend getting rate quotes from independent agents, exclusive agents, and direct companies to get a good idea who is cheapest. For a list of insurance companies with low rates, click here to view.