Finding low cost auto insurance in Idaho is no easy task. With dozens of companies to choose from, uncovering the best quotes often involves hours of research.
To help you save time, our Geeks crunched the numbers and compared the most affordable insurance rates from nine companies. We then determined the lowest premiums for the following types of drivers:
Best Rates For Drivers With No Recent Accidents
Driving safely can pay off. Auto insurance companies typically offer lower rates to drivers who have a spotless accident history.
To determine the lowest rates for safe drivers in Idaho, our researchers looked at insurance quotes for a 29-year-old motorist who commuted 12,000 miles per year. Our findings indicate that State Farm offers the lowest premiums for drivers in this cateogry.
Best Rates For Teen Drivers
With their lack of experience behind the wheel, teen drivers are considered to be a high liability to insurance companies. Rates for young drivers vary from one provider to the next, so it’s usually necessary to explore several options to find the lowest premiums for a teenage motorist.
In our study, we used an 18-year-old male and female driver with a clean driving history. We specified that the driver had not been involved in any wrecks or received any significant traffic citations.
If you or your teen is still in school, don’t forget to ask your insurance provider about deals for students and good grade discounts.
Best Rates For Drivers With A DUI
A drunk driving conviction can have a major impact on your insurance premiums. To find the cheapest auto insurance quotes in this group, we compared the rates for policyholders who had one DUI conviction but otherwise had a clear traffic record. State Farm and Progressive led the pack with the best quotes for drivers with a DUI in Idaho.
Best Rates For Senior Drivers
The 65-year-old motorist in our study commuted only 4,000 miles each year and had a spotless driving record. Geico and State Farm were determined to offer the best auto insurance rates for older adult drivers in Idaho.
The default motorist in our test was 29 years old and was buying insurance for a 2014 Toyota Corolla. We calculated the average car insurance rates for males and females from five zip codes in Idaho who commuted 12,000 miles every year. We used 50/100/25 limits for both liability coverage and uninsured motorist coverage except in the “teen driver” category, where we used the state’s minimum coverage limits.
Minimum Car Insurance Requirement For Drivers In Idaho
In Idaho, drivers must carry auto insurance that will cover $25,000 for bodily injuries to one person, $50,000 for bodily injuries per crash, and $15,000 for property damage.