Idaho Falls drivers pay an average of $333 per year for the state minimum coverage and $1,054 annually for full coverage. With liability insurance a requirement in Idaho, residents of Idaho Falls may be able to get cheap car insurance by shopping and comparing quotes. Bankrate’s editorial team looked at quotes from Quadrant Information Services and compared them with coverages, discounts, third party rankings, financial strength, and other factors to determine the best car insurance for Idaho Falls. A few companies were the most affordable and best-known for providing coverage in Idaho Falls.
Idaho Falls has the best car insurance
Price is just one aspect of finding the best Idaho Falls car insurance company. You should also consider the types of coverage offered, discounts, customer satisfaction, financial stability, and ability to pay claims. These companies are the top choices for Idaho Falls residents when looking for car insurance.
USAA
Sometimes the best car insurance company has the lowest rates. This is the case with USAA. You can choose from a variety of discounts and insurance coverages that the military insurer offers. USAA is also ranked top in many J.D. There are power studies to assess auto insurance satisfaction. USAA is only available to current and former military personnel, their spouses, and children. They are therefore not eligible for J.D. official rank. PowerWhile this is great news for those who meet the eligibility requirements for membership, it leaves Idaho Falls residents with no choice but to look for another insurance company like the others on this list.
State Farm
Idaho Falls is part of the Northwest region and ranks State Farm #1 in customer satisfaction according to the J.D. Power 2021 U.S. Auto Insurance Study. State Farm also ties with Liberty Mutual in the large insurers category for first place in the 2021 U.S. Insurance Shopping Study. State Farm Idaho Falls offers drivers a lot more than just the lowest rates. They also offer a wide range of insurance products and discounts that will help keep rates low. If you use your car to rideshare, you can also get personalized coverage through State Farm that fills any gaps left by the rideshare company.
Auto-Owners
Though most carriers offer similar coverages, Auto-Owners sets itself apart by offering a wider range of ways to tailor your car insurance in Idaho Falls while providing rates below the average cost of car insurance. Additional benefits include optional coverages like diminished value, gap insurance and additional expenses you may incur after an accident. Though Auto-Owners did not rank in the Northwest region, it ranked in fourth place on the Insurance Shopping study and third place in the 2020 U.S. Auto Claims Satisfaction Study for customer satisfaction.
Allstate
Idaho Falls residents can benefit from several ways to lower their car insurance premiums, even though Allstate’s rates are more expensive than the average car insurance cost in the city. If you normally practice safe driving habits, you may be able to get rewarded with savings up to 40% by participating in Allstate’s Drivewise program. If you like to customize your car with audio and video equipment, you can purchase Allstate’s optional custom equipment coverage, which pays for accidentally damaged or stolen parts. According to the J.D. Allstate is ranked average in power studies but ranks above average for claims satisfaction.
American Family
Homeowners who bundle home and auto with American Family can potentially save big, with up to 29% on car and 20% savings on home insurance. American Family offers discounts for switching to another carrier early, loyalty incentives, and discounts for driving less that 7,500 miles per annum, which is becoming a rare option for car insurance companies. If you meet certain requirements, you may be eligible for American Family’s free Travel with Peace of Mind package. Average customer satisfaction ratings in the Northwest region are high for this auto insurer. It is also the #1 midsize insurer in satisfaction with customer shopping in the country.
Idaho Falls has the lowest car insurance
Idaho Falls has a lower average cost for car insurance than the national average. Full coverage annual rates average $1,054, compared to $1,674 nationally. Idaho Falls’ average cost of car insurance is approximately $1,045 per year, which is the same as Idaho. If you are searching for the cheapest car insurance in Idaho Falls, consider getting quotes from the companies listed in the table below.
Geico, Farmers, and Nationwide all offer a variety of ways to obtain coverage, including online quotes, in-person or over the phone. Access a mobile app from your smartphone to view and track the status and claim status. Farmers states that they offer an average potential savings of $467 for switching auto insurance, offering features like new car replacement and accident forgiveness. Nationwide gives you more control over your premium through SmartRide or SmartMiles.
Insurance requirements for Idaho Falls
Like most states, drivers in Idaho must carry minimum liability insurance to register and drive legally on the road. The minimum amount of liability coverage required in Idaho Falls is:
- $25,000 per person to treat bodily injuries
- $50,000 for bodily injury
- $15,000 per accident in property damage
While insurers are required to offer uninsured/underinsured motorist bodily injury coverage equal to the liability limits, they are not required to offer uninsured/underinsured motorist property damage coverage. You can choose to reject uninsured/underinsured motorist coverage in writing. Most insurance professionals recommend purchasing as much liability insurance as you can afford in order to protect your finances in the event of an accident. For financed and leased vehicles, you may be required to carry full coverage.
Idaho Falls offers car insurance discounts
- Multiple cars
- Multiple lines
- Good student
- Good driving
While drivers in Idaho Falls have a host of potential discounts to choose from if they qualify for them, there are a few that can offer greater potential rate decreases. Bundling your home and auto with the same carrier potentially makes you eligible for a multiple line discount. Although the discount amount can vary by company, it is usually the largest discount and has the greatest impact on your insurance premium.
Drivers who have a clean driving record can get even more discounts like the accident-free and good driving discounts.
Questions frequently asked
Which is the best auto insurance company?
When searching for the best car insurance company, consider these factors: price, coverages, discounts, financial stability and customer satisfaction. Compare quotes from different car insurance companies to determine which factors are most important.
What is the cost of Idaho Falls car insurance?
Quadrant Information Services has determined that the average cost for Idaho Falls car insurance is $333 per year for minimum coverage and $1,054 per year for full coverage. How much you pay for car insurance in Idaho Falls will vary based on factors like your age, driving and claims history, vehicle make and model, and which zip code you live in.
What amount of car insurance do you need in Idaho Falls
After you have met the minimum state requirements, you can decide how much Idaho Falls car insurance you need. You may need full coverage if you lease or finance your vehicle. To determine the amount of coverage you need, consider how much you are able to afford to cover an accident.