Idaho Falls, ID Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Idaho Falls, ID, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
How to Save on Car Insurance in Idaho Falls, ID
The average cost of auto insurance in Idaho Falls, ID, is $963. This is lower than in most neighboring places such as Rigby, Lincoln, Ucon, Shelley, and Iona. Residents of Idaho Falls should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to increase savings in Idaho Falls.
Credit Score:
Having an “excellent” or “good” credit score will help car owners save on auto insurance in Idaho Falls, ID. In contrast, an “average” or “poor” auto insurance can lead to a massive increase. The cost of auto insurance can rise up if the credit score if the driver is poor.
Anti-Theft Device:
Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower auto insurance costs. A passive disabling device fetches the most amount of savings.
Hybrids and Electric Vehicles:
Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such cars, Farmers offers car owners discounts of up to 5% in some states.
Deductibles:
Paying a higher deductible will also help car owners lower the cost of insurance. For instance, Idaho Falls’s yearly premium on a low deductible($500) is $1,473. It decreases to $1,244 when the deductible is higher ($1,000).
Multi-Car Insurance:
In Idaho Falls, ID, Car owners can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer to get added benefits.
The cost of insuring two cars under a multi-car insurance policy in Idaho Falls, ID, is $1,656, while it would cost $3,313 for four vehicles. The savings on multi-car insurance in Idaho Falls also depends on the make and model of the car.
Driving Record:
Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEIID provides a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
The cost of auto insurance in Idaho Falls, ID, post-DUI, increases to $1,535. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Idaho Falls. Other violations that can have a long-term impact on auto insurance in Idaho Falls include driving with an expired license and running a red light.
Factors that can influence the cost of car insurance in Idaho Falls, ID are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Idaho Falls, ID Auto Insurance Rates
- Idaho Falls, ID Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Idaho Falls, ID
- Multi Vehicle Insurance Savings in Idaho Falls, ID
- How Credit Score Affects Car Insurance Rates in Idaho Falls, ID
- How DUI Affects Auto Insurance Premiums in Idaho Falls, ID
- Top Auto Insurance Agents Near Idaho Falls, ID
- How Driving Violations Affect Auto Insurance Rates in Idaho Falls, ID
- Idaho Falls, ID Auto Insurance Discounts on Anti Theft Feature
- Idaho Falls, ID Auto Insurance Company Reviews
Idaho Falls, ID Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Idaho Falls, ID with that of other cities in and around Idaho Falls.
| Idaho Falls | Rigby | Lincoln | Ucon | Shelley | Iona | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $963 | $1,050 | $1,042 | $1,049 | $1,042 | $1,049 |
Idaho Falls, ID Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Idaho Falls, ID based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Idaho Falls | $1,473 | $1,244 |
| Ammon | $1,427 | $1,205 |
| Lincoln | $1,830 | $1,546 |
| Iona | $2,028 | $1,713 |
| Ucon | $1,733 | $1,464 |
| Shelley | $1,473 | $1,244 |
| Rigby | $1,370 | $1,157 |
| Basalt | $2,797 | $2,363 |
Idaho Falls, ID Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Idaho Falls, ID usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,125 |
| 20 Years | $1,237 |
| 30 Years | $953 |
| 40 Years | $917 |
| 50 Years | $849 |
| 60 Years | $861 |
| 70 Years | $1,002 |
Idaho Falls, ID Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Idaho Falls, ID can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,656 | $270 |
| 3 Vehicles | $2,485 | $404 |
| 4 Vehicles | $3,313 | $539 |
Savings on 2 Vehicles bundle:$270
Savings on 3 Vehicles bundle:$404
Savings on 4 Vehicles bundle:$539
Idaho Falls, ID Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Idaho Falls, ID.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Idaho Falls | $963 | $1,535 |
| Ammon | $1,053 | $1,679 |
| Lincoln | $1,042 | $1,661 |
| Iona | $1,049 | $1,673 |
| Ucon | $1,049 | $1,673 |
| Shelley | $1,042 | $1,661 |
| Rigby | $1,050 | $1,674 |
| Basalt | $1,019 | $1,625 |
Idaho Falls, ID Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $826 |
| Excellent (740-799) | $943 |
| Good (670-739) | $1,003 |
| Average (580-669) | $1,309 |
| Poor (300-579) | $1,571 |
Idaho Falls, ID Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| The Hartwell Corporation | Travelers | 1084 N SKYLINE 1 AIRPORT PLZ, IDAHO FALLS, 83402 | 208-522-5656 |
| Sargent Insurance Group | Travelers | 810 PANCHERI DR, IDAHO FALLS, 83402 | 208-392-1721 |
| John Vinson | Farmers | 1306 E 17th St, Idaho Falls, 83404 | (208) 534-7082 |
| Jory Inama | State Farm | 1830 W Broadway St, Idaho Falls, 83402-3044 | 208-524-7374 |
| The Falls Insurance Center Inc | Travelers | 885 S HOLMES AV, IDAHO FALLS, 83401 | 208-523-7100 |
| Shane Harrigfeld | Farmers | 3153 E 17th St, Ammon, 83406 | (208) 529-1503 |
| Jenifer Brocker | Allstate | 1544 Midway Dr, Ammon, 83406 | (208) 528-5464 |
| Bobby Romander | State Farm | 2677 E 17th St, Idaho Falls, 83406-6612 | 208-529-2617 |
| Steven Roberts | Allstate | 1335 S Holmes Ave, Idaho Falls, 83404 | (208) 522-8788 |
| John Darfler | Allstate | 3438 S 15th E Ste 200, Idaho Falls, 83404 | (208) 716-0184 |
Idaho Falls, ID Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$42 | $1,005 |
| Driver's Failure In Showing Documents | +$93 | $1,056 |
| Driving With An Expired Registration | +$99 | $1,062 |
| Driving At A Considerably Slow Pace | +$209 | $1,172 |
| Using A Cellphone While Driving | +$221 | $1,184 |
| Running A Red Light | +$224 | $1,187 |
| Speeding | +$236 | $1,199 |
| Driving A Vehicle Without The Required Permission | +$299 | $1,262 |
| Driving With An Expired/Suspended License | +$649 | $1,612 |
Idaho Falls, ID Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $924 |
| Active Disabling Device | $924 |
| Tracking Device | $905 |
| Passive Disabling Device | $896 |
Latest Auto Insurance Reviews in Idaho Falls, ID | Back to Top
Erie InsuranceYou can choose your deductible when purchasing auto insurance policies. We chose a $500 deductible because we felt it was the most cost effective.
ProgressiveDeductibles for insurance companies hardly vary. Customers are given the choice of how much they'd like to pay and that affects the rate. Progressive is no different.
Liberty MutualThey are about the same price, but they do have a lot of online features that are easy to access. I can easily print my statements and check on bills from online.
Allstateit is okay, the price is the big thing for me, sadly this was the cheapest I could find but even that it is super high for what the coverage is on it.
AllstateAllState has done a lot to maximize my savings, and have tried to find as many areas as possible where I can get an Allstate discount. Because of this, my premium and deductible are low.
Mapfre InsuranceSwitching to Mapfre saved me so much money. The deductibles are the same but the premium is reduced by a 1/3. I also have the option of paying in full to reduce the amount of money that my premium costs me.
Mapfre InsuranceSwitching to Mapfre saved me so much money. The deductibles are the same but the premium is reduced by a 1/3. I also have the option of paying in full to reduce the amount of money that my premium costs me.
State FarmI dislike the lack of personalization and seeming lack of care and thought. It would be nice for a periodic check-in to see if we need to update.
American National Property And Casualty Companyit seems to me that the customer treatment is a little late, the times are long waiting times to be served which is annoying for users and end up being a very difficult problem
Erie InsuranceI like how easily accessible the company is. Everything is simple and easy to understand. I like that all my policies are bundled together in one place.