Cheap Auto Insurance for Teenage Females in Idaho

For teen girls, one of the big factors that play a part in determining the amount you pay each year for auto insurance is where you keep your car. Areas that are densely populated or have higher claim frequency like Moscow, Idaho Falls, and Sandpoint tend to have more expensive auto insurance rates, whereas less populated areas have the benefit of cheaper auto insurance prices.

The illustration below rates the more expensive cities in Idaho for teenage females to buy auto insurance in.

Price information shown is comparative as vehicle location can influence premium rates substantially.

Deciphering which companies offer the best car insurance rates for teenage females takes more time in order to find coverage that fits your buget.

Each company uses a slightly different approach to set policy rates, so let’s rank the car insurance companies with the most affordable rates in Idaho. It’s important to know that Idaho car insurance rates are determined by lots of factors that will increase or decrease your annual premium. Simply getting older, buying a new vehicle, or having an at-fault accident can produce rate changes that can make some companies cheaper than others.

Best Cheap Insurance Rates for Teens

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American National may have some of the best car insurance rates in Idaho at around $237 each year. Farm Bureau of ID Group, USAA, Oregon Mutual, and Travelers also qualify as some of the most economical Idaho insurance companies.

In this example, if you are a customer of USAA and switched to American National, you may realize a yearly price reduction of roughly $293. Drivers with Oregon Mutual could save as much as $415 a year, and Travelers customers might realize rate reductions of up to $442 a year.

If you want to find out if you’re overpaying, click here to begin a quote or visit any of the companies below.

Understand that those estimates are averaged across all drivers and vehicles in Idaho and do not take into consideration a price increase for teenage females. So the car insurance company that fits your situation best may not even be included in the above rate chart. That point stresses why you need to compare prices as often as possible using your own personal information and vehicle type.

The car, truck, or SUV on the policy is one of the largest considerations when trying to find cheaper coverage for teenage females. Vehicles with lower performance, an excellent safety record, or a low likelihood of liability claims will cost much less to insure than higher performance models. The next table shows auto insurance premiums for a number of the more afforable vehicles to buy coverage for.

Premium data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in specific location information which can increase or decrease premium rates noticeably.

Based upon the rates shown, you can see that vehicles like the Honda CR-V, Honda Accord, Ford Escape, and Toyota Prius are most likely to be some of the most economical vehicles to insure for teen girls. The cost of a car insurance policy will be more expensive just due to the fact that there is more claim risk for teenage females, but overall those makes and models will most likely have the lowest insurance rates compared to all other vehicles.

Impact of violations and accidents on rates in Idaho

The recommended way to score affordable car insurance prices in Idaho for teen girls is to drive carefully and avoid accidents and traffic citations. The illustration below illustrates how violations and accidents increase car insurance costs for different categories of driver ages. The premiums are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

In the previous chart, the average cost of an auto insurance policy in Idaho per year with no accidents and a clean driving record is $1,551. Factor in one speeding ticket and the average cost surges to $1,781, an increase of $229 each year. Then include one accident along with the one speeding ticket and the yearly cost of car insurance for teenage females increases to an average of $2,437. That’s an increase of $885, or $74 per month, just for not being attentive to the road!

How to get cheap car insurance for teenage females in Idaho

Here are many thrifty ideas that can help you quote cheaper coverage.

• Try to pay small claims out-of-pocket
• On older vehicles, drop full coverage
• Speeding tickets and other violations increase rates
• Maintain a safe distance and avoid accidents
• Insure your home and auto with the same company
• Safer vehicles cost less to insure
• Comparison shop at least every other year

The last tip is extremely important, as was affirmed in this write-up. Car insurance prices in Idaho can change considerably in a year, so you should be ready to buy from a different company if a lower price can be found.

Having a favorite company is fine, but it’s not a great idea if that loyalty ends up costing money that could be used for better things. If you have a few minutes, now is a great time to compare rates and find cheaper insurance for teenage females.