Idaho Falls, ID Car Insurance

What rates can residents of Idaho Falls expect to pay for their car insurance? Compared to their surrounding area, how do rates in Idaho Falls stack up? What about against the rest of Idaho? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Idaho Falls?

As you can see in the chart above, it is around $5 a month more expensive to insure your vehicle in Idaho Falls than it is in the rest of Idaho.

Compared to the rest of the country, auto insurance in Idaho Falls is more affordable. Auto insurance coverage in Idaho Falls is about $27 cheaper than it is for the rest of the U.S.

These rates may be the average amount drivers in Idaho Falls pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down average rates for Idaho Falls residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may creep back up a bit in Idaho Falls.

Average Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. In Idaho Falls, however, men actually pay a bit less than female drivers for auto insurance coverage.

Average Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Idaho Falls with one accident will pay around $72 a month. Likewise, drivers with one ticket will be looking at a rate of around $67 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

As you can see in the first table above, the cheapest vehicles to insure in Idaho Falls are by and large trucks and vans, which run about $47 per month.

Car owners can expect to pay an average of around $55 a month for their policy, while SUVs usually cost around $56 a month to insure.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Idaho Falls, vehicles eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

On average, people who are married will pay slightly less to insure their car. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Idaho Falls is no exception, with the difference totaling to around $9 a month.

Average Car Insurance Rates by Housing Situation

Your housing status is another factor that affects your monthly rate. In Idaho Falls, homeowners can expect to pay around $10 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Idaho Falls, ID

Recent trends in car insurance for Idaho Falls drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

The cost of auto insurance in Idaho Falls decreased from 2017-2019, before leveling out in 2020. Insurance rates finished up in 2022, at $60 a month

How does Idaho Falls compare to neighboring areas?

Why are car insurance rates in Idaho Falls different from other areas?

There are a number of factors car insurance companies will consider when choosing how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:

• Amount of drivers in the region
• Off-street parking access
• Number of car accidents
• Crime
• Laws

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Idaho Falls?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Fortunately, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer policies in Idaho Falls.

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Idaho Falls Insurance FAQs

What factors affect car insurance quotes in Idaho Falls?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Idaho Falls different from other neighboring cities?

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Idaho Falls?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Idaho Falls?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Idaho Falls or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?