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Cheap Auto Insurance Rates Near Me


Cheap Auto Insurance in Mountain Home AFB Idaho

Why Are Car Insurance Rates So Expensive Near Me

Idaho is a beautiful state with plenty of outdoor activities, but unfortunately it also has some of the highest car insurance rates in the country. Idaho’s rural landscape and lack of public transportation make driving a necessity for most Idahoans, yet auto insurance prices remain through the roof. Idaho drivers pay an average of $1,297 per year for full coverage car insurance compared to just $987 nationally. The state has many factors that contribute to its higher premiums including fewer insurers in Idaho than other states and more uninsured drivers on Mountain Home AFB roads.

Additionally, Idaho has seen some major extreme weather events recently which have only contributed to this problem as well. Despite these high prices, Idaho is one of the few states that do not offer any sort of low-cost auto insurance program for drivers with financial difficulties. Mountain Home AFB residents looking to lower their car insurance rates should consider shopping around and comparing rates between different insurers. Additionally, bundling multiple types of coverage such as car, renters’, or life insurance can help Idaho drivers save on overall premiums. As Idahoans are stuck paying more than most states for car insurance, it is important to make sure you get the best rate possible in order to keep your finances healthy.

Car Insurance Quotes by Age of Driver(15 to 70)

Age of Driver Insurance Cost
Teens $4,397
20 Years $1,741
30 Years $1,341
40 Years $1,290
50 Years $1,195
60 Years $1,211
70 Years $1,410

Auto Insurance Rates for Young vs Older People

Young Mountain Home AFB drivers aged 16–25 often pay more for auto insurance than their older counterparts due to higher risk of accidents. Idaho residents aged 26 and above should be able to find much more affordable car insurance rates than those under 25, but Idahoans still face higher premiums compared to most states. Idaho has one of the highest rates for minimum liability coverage in the country at $159 per year, which is far higher than its neighboring Montana where minimum liability coverage can be as low as $91 per year.

In Mountain Home AFB, having a clean driving record is key to getting lower rates; any blemishes or major violations can cause your auto insurance rate to skyrocket. Additionally, Idahoans have access to various discounts such as good driver discounts, multi-policy discounts, and even military discounts. Idahoans should take advantage of these discounts in order to lower their car insurance rates and make sure they are getting the best rate possible. Overall Idaho has an expensive auto insurance landscape compared to other states in the US; however Idaho drivers can find ways to save on car insurance by shopping around and taking advantage of available discounts. By making sure you are getting the best rate available Idahoans can save money on car insurance premiums and still be protected when on the road.

Best Auto Insurance Companies in Idaho

Farm Bureau

Geico

State Farm

American Family

Allstate

NAIC Market Share

4.16%

13.45%

16.14%

2.28%

9.33%

S&P Global Ratings

BBB-

AA+

AA

A

A-

Average Full Coverage Yearly Premium

$1,547

$1,509

$987

$1,816

$2,765

Discount Rating

5 stars

5 stars

5 stars

4 stars

4 stars


Farm Bureau

Geico

State Farm

American Family

Allstate

NAIC Market Share

4.16%

13.45%

16.14%

2.28%

9.33%

S&P Global Ratings

BBB-

AA+

AA

A

A-

Average Full Coverage Yearly Premium

$1,547

$1,509

$987

$1,816

$2,765

Discount Rating

5 stars

5 stars

5 stars

4 stars

4 stars


Farm Bureau

Geico

State Farm

American Family

Allstate

NAIC Market Share

4.16%

13.45%

16.14%

2.28%

9.33%

S&P Global Ratings

BBB-

AA+

AA

A

A-

Average Full Coverage Yearly Premium

$1,547

$1,509

$987

$1,816

$2,765

Discount Rating

5 stars

5 stars

5 stars

4 stars

4 stars


Car Insurance Companies Near Me

Leavitt Group - Still & Leavitt Insurance Agency

160 N 2nd E St East, Mountain Home, ID 83647, United States

(208) 587-3146

https://www.leavitt.com/mountainhome/

Jared Lau: Allstate Insurance

354 N 2nd E St, Mountain Home, ID 83647, United States

(208) 587-7117

https://agents.allstate.com/jared-lau-mountain-home-id.html

Farm Bureau Insurance

1010 Sunset Strip, Mountain Home, ID 83647, United States

(208) 587-8484

https://www.idahofarmbureauinsurance.com/insurance-agents/mountain-home/

Chris Baldwin - State Farm Insurance Agent

218 N 2nd E St, Mountain Home, ID 83647, United States

(208) 587-9006

http://www.chrisbaldwininsurance.com/

Herron Insurance Agency - Allstate

160 N 2nd E St, Mountain Home, ID 83647, United States

(208) 587-5794

http://www.herroninsurance.com/

Silver Key Insurance Mountain Home Idaho

230 American Legion Blvd, Mountain Home, ID 83647, United States

(208) 587-7373

http://silverkeyinsurancemountainhome.com/contact/default.html

Comparing the Best Car Insurance Companies Nearby

Finding the right car insurance company in Idaho is essential to getting the best rate and coverage. Idaho has fewer insurers than other states, but there are still many reliable companies that Idahoans can consider when shopping around for auto insurance. Mountain Home AFB drivers should compare quotes from different insurers and pay attention to customer service ratings and financial stability when making a decision.

Companies such as State Farm, GEICO, Progressive, USAA and Allstate are all good options for Mountain Home AFB drivers looking for quality coverage at an affordable price. Idaho residents should also research local providers such as Idaho Farm Bureau Insurance or American Family Insurance which both offer competitive rates within the state of Idaho. By shopping around and taking advantage of available discounts Idahoans can find the perfect car insurance policy to fit their needs and budget.

Overall Idaho has an expensive auto insurance landscape compared to other states, however Mountain Home AFB drivers can still save on car insurance by shopping around and taking advantage of available discounts. Idahoans should compare different providers in order to find the right coverage for them at a price they can afford. By making sure you are getting the best rate possible Idahoans can have peace of mind knowing that they are adequately protected when out on the road.

Average Annual Premium Increase & Savings per Driving Infraction

Driving Infraction Type Average Annual Premium Potential Quote Savings
DUI$3733$1000
Reckless Driving$3433$974
Wrong Way/Wrong Lane$2963$940
Driving on Sus. License$2833$904
Illegal Turn$2603$910
Failure to Obey Traffic Sign$2506$880
Speeding over 15$2408$850
Defective Equipment$1644$634
Speeding under 15$1630$618

How Driving Infractions Increase Insurance Premiums

Mountain Home AFB drivers who are convicted of traffic violations have to contend with higher insurance premiums as a result. Idaho has some of the highest auto insurance rates in the country for minor offenses, and Idaho drivers can pay thousands more in premiums over the course of several years due to infractions such as speeding tickets.

In Mountain Home AFB, even a single moving violation can cause your car insurance rate to increase significantly; a single at-fault accident can double your premium in Idaho. For Idahoans who are convicted of serious violations, such as DUI or reckless driving charges, their car insurance rate can be increased by up to 400%. As such, Idaho drivers should make sure they drive safely and follow all local laws or risk having their premiums skyrocket due to traffic violations.

By following Idaho laws and driving safely Idahoans can lower their chances of getting a ticket or having an accident, thus avoiding the high insurance premiums that come with convictions. Mountain Home AFB residents should also be aware of any discounts they may qualify for; many Idaho car insurers offer good driver discounts, as well as military and multi-policy discounts which can help Idaho drivers save money on auto insurance premiums.

Average Annual Vehicle Insurance by Credit Score

Credit Rating Average Rate
Average of All Credit Ratings $1050
Below Fair $1578
Poor $1727
Worst $1914

Does Credit Score Matter When Getting Cheaper Quotes?

When it comes to getting cheaper quotes on car insurance in Mountain Home AFB, your credit score can play an important role. Insurers often use credit scores as part of their risk assessment process when evaluating potential customers for coverage. Your credit score is one way insurers can determine how likely you are to file a claim in the future. The better your credit score, the more likely you are to get the best rates and discounts available from Idaho car insurance providers. It's important to review your credit report regularly and work towards improving your score if needed. Taking these steps could result in significant savings on Idaho car insurance costs over time.

Average Monthly Car Payment Plus Insurance in My Location

Average Monthly Auto Insurance Payment for Liability or Full Coverage in Mountain Home AFB Idaho

Don't Forget The Total Monthly Cost of Your Vehicle

In Mountain Home AFB, it's important to look at more than just the price of your car insurance premium when evaluating quotes. The total monthly cost of your Idaho auto insurance policy should include any fees associated with setting up a payment plan and other add-on services you may have chosen. Taking all these costs into account can help you get the best deal on Idaho car insurance without sacrificing coverage or protection. With some research and comparison shopping, Idaho drivers can find the right balance of price and coverage that meets their needs.

car insurance companies Mountain Home AFB ID

How to Save on Car Insurance in Your Zip Code

Do your research
Compare quotes from different places
Take advantage of policy bundles
Look at vehicle safety ratings
Participate in discount programs through driver training or safe driving rewards
Maintain a good credit rating

Remember That Cheaper Car Insurance in ID Does Not Mean Lower Coverage Quality

When searching for cheaper Idaho car insurance, it's important to remember that lower priced premiums does not always mean lower coverage quality. Idaho car insurers offer a variety of coverage levels, so it pays to shop around and compare rates from different providers. Idaho auto insurance providers are required to provide basic liability coverage that meets state requirements, but other additional coverage can be purchased for an extra cost. Consider what kind of protection you need and work with your Mountain Home AFB insurer to ensure that your policy offers the right level of coverage for your needs at the best price possible.

By doing some research and considering all factors such as credit score, total monthly costs, and coverage quality, Idaho drivers can find the right balance of price and protection when shopping for car insurance in Mountain Home AFB. Take advantage of comparison tools available online to make sure you're getting the best deal on Idaho car insurance. With a bit of effort and some strategic shopping, Idaho drivers can save money and get the coverage they need.

Full Coverage vs Liability Only Insurance in Idaho

In Mountain Home AFB, drivers have the option of purchasing either Full Coverage or Liability Only auto insurance. It's important to understand the difference between both types of coverage in order to make an informed decision about which type is right for you.

Full Coverage auto insurance typically provides protection against any damage to your vehicle that occurs as a result of a collision, theft, vandalism, fire and other events. This type of coverage also typically includes uninsured/underinsured motorist coverage and medical payments (if included) which can help protect you financially if you are involved in an accident with another driver who does not carry adequate liability insurance in Mountain Home AFB.

Liability Only auto insurance provides only the minimum amounts required by Mountain Home AFB ID law for bodily injury and property damage liability. This type of coverage typically does not provide any protection for your own vehicle, so it is important to understand the difference between full coverage and liability only Idaho auto insurance before making a decision.

State Auto Insurance Minimums in Idaho

Mountain Home AFB drivers are required by law to carry at least minimum amounts of liability auto insurance. The state minimums for Idaho are as follows:

  • Bodily Injury Liability: $25,000 per person / $50,000 per accident
  • Property Damage Liability: $15,000 per accident
  • Uninsured Motorist Coverage: $25,000 per person / $50,000 per accident

By understanding the differences between full coverage and liability only Mountain Home AFB car insurance and the state minimum requirements in Idaho, drivers can make an informed decision about which type and amount of coverage is right for them. Take some time to research your options and shop around to get the best deal on Idaho car insurance.

Non-Owner Car Insurance in ID

In Mountain Home AFB, drivers who do not own a vehicle but need to meet the state requirement for car insurance can purchase Non-Owner Car Insurance. This type of policy provides liability coverage while you are operating an uninsured vehicle that is not owned by you or registered under your name. Non-owner car insurance can also provide non-resident SR-22 filing if required.

Getting Coverage for Teenagers in ID

Insuring a teenage driver can be expensive, but Mountain Home AFB drivers have some options for getting affordable auto insurance coverage. Idaho insurers typically offer discounts to young drivers who maintain good grades and are enrolled in driver safety courses. Additionally, if your teen only drives occasionally, you may be able to add them as an occasional or secondary driver on your policy which could result in lower premiums.

Shopping around is the best way to find affordable Mountain Home AFB car insurance for teenagers, so compare rates from multiple providers before making a decision. With some strategic shopping and careful research, Idaho parents can get the right level of coverage for their teens at an affordable price.

Car Insurance for Seniors

Senior Mountain Home AFB drivers can take advantage of several discounts available from most Idaho auto insurance providers which can help lower the cost of their coverage. Idaho insurers typically offer discounts to seniors who maintain a clean driving record, complete an approved defensive driving course and have no recent at-fault accidents or violations. Additionally, some Idaho insurers also offer age-based discounts for drivers over the age of 55.

Shop around to find the best deal on Mountain Home AFB car insurance for seniors and compare rates from multiple providers before making a decision. With some effort and strategic shopping, Idaho seniors can save money and get the right amount of coverage they need without breaking the bank.

Do I Need SR-22 Insurance in Idaho

Mountain Home AFB drivers who have had their license suspended or revoked may be required to carry Idaho SR-22 insurance. This type of coverage is designed for high-risk drivers and may be required by the Idaho DMV for a period of three years in order for your license to be reinstated.

Speak with your Mountain Home AFB auto insurance provider about SR-22 coverage if you need it, as some insurers do not offer this type of policy. Additionally, make sure to shop around and compare rates from multiple providers before making a decision as premiums can vary significantly among Idaho car insurance companies.

Should I Increase My Deductible?

Mountain Home AFB drivers can save money on their car insurance premiums by choosing to increase their deductible. A higher deductible means you will have to pay more out of pocket when making a claim, but it also results in lower premium payments.

Before increasing your Mountain Home AFB car insurance deductible, consider how much you would be able to cover if you were involved in an accident or needed to make a claim. If the amount is too high, then increasing your deductible may not be worth it as you would have difficulty coming up with the money for repairs or medical bills if necessary. Speak with your Idaho auto insurance provider about what amount of deductible makes sense for your budget and lifestyle before deciding whether or not to raise it.

How Speeding Tickets Affect Insurance Costs in ID

Mountain Home AFB drivers who receive a speeding ticket could see an increase in their auto insurance premiums. In Idaho, most insurers will use your driving record to determine your premium rate and even one minor violation can result in higher rates.

If you’ve received a speeding ticket in Mountain Home AFB, contact your Idaho auto insurance provider and ask about how it will affect your rates. You may also want to shop around and compare rates from different Idaho car insurance providers to ensure that you’re getting the best deal on coverage for your needs. Additionally, if you take an approved defensive driving course, some Idaho insurers may be willing to reduce or waive any additional charges due to the violation.

Male vs Female Insurance Rates in ID

Idaho auto insurance rates can vary significantly between men and women due to differences in driving habits and behavioral patterns. On average, Idaho male drivers tend to pay more for car insurance than Idaho female drivers.

Benefits of Using a Local Agent or Broker Near Me

Mountain Home AFB drivers can benefit from working with a local Idaho auto insurance agent or broker to find the right coverage for their needs. Local agents are familiar with Idaho's insurance regulations and laws, and they know which insurers offer the best rates in Idaho.

Additionally, having a local Mountain Home AFB car insurance agent or broker means you can easily get advice when needed as well as access to multiple providers so that you can compare rates and make sure you're getting the most affordable policy for your situation.

Government Auto Insurance Assistance in Idaho

Mountain Home AFB drivers who are having difficulty finding affordable auto insurance coverage may be eligible for Idaho's Low-Cost Automobile Insurance Program. This program provides Idaho drivers with liability insurance coverage at discounted rates so they can meet the state’s required minimum requirements.

To learn more about Idaho's Low-Cost Automobile Insurance Program or to see if you qualify, contact your Mountain Home AFB auto insurance provider or visit the Idaho Department of Insurance website.

car insurance companies Mountain Home AFB ID

Shopping for Car Insurance Places Near Me

It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Mountain Home AFB, Idaho. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.


Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.


Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Mountain Home AFB, ID.

The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.