Idaho Falls Auto Insurance Rates, Quotes, Agents & Reviews in ID

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.

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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.

how_to_save_on_car_insurance_in_idaho_falls_id

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 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 Insurance
You can choose your deductible when purchasing auto insurance policies. We chose a $500 deductible because we felt it was the most cost effective.
Progressive
Deductibles 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 Mutual
They 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.
Allstate
it 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.
Allstate
AllState 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 Insurance
Switching 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 Insurance
Switching 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 Farm
I 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 Company
it 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 Insurance
I 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.