Affordable Car Insurance Rates in Mountain Home, ID (2024)
Car insurance rates in Mountain Home, ID are $221/month on average. By law, Idaho drivers need to carry at least 25/50/15 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Mountain Home car insurance companies to get the coverage you need at the best rates available.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Mountain Home after a DUI is State Farm
- Average car insurance rates in Mountain Home, ID are $221/month
- The annual number of car thefts in Mountain Home is 21.
Average car insurance rates in Mountain Home, Idaho are $221 a month. But with a little research you can get a great deal from the top car insurance companies in Mountain Home, ID. Before you buy Mountain Home, Idaho car insurance, make sure your coverage meets or exceeds the Idaho minimum of 25/50/15.
It may even be helpful to compare Mountain Home car insurance rates with Coeur d’Alene car insurance rates, Post Falls car insurance rates, or Meridian car insurance rates to make sure you’re getting the best Mountain Home, ID car insurance quotes available.
Need affordable Mountain Home, ID car insurance? Enter your ZIP code to compare Mountain Home car insurance quotes from multiple car insurance companies near you.
Mountain Home, ID Minimum Car Insurance Coverage
Mountain Home, Idaho law requires drivers carry a minimum of 25/50/15 coverage. Take a look at the breakdown of the minimums here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $15,000 minimum |
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Mountain Home, ID Car Insurance Rates by Coverage Level
Some Mountain Home drivers can get by with the Idaho minimum coverage of 25/50/15. Other drivers may need more. See how much your Mountain Home, Idaho car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,655 | $3,802 | $3,973 |
| American Family | $3,705 | $3,879 | $3,502 |
| Farmers | $2,880 | $3,004 | $3,241 |
| Geico | $1,973 | $2,094 | $2,227 |
| Liberty Mutual | $2,141 | $2,249 | $2,367 |
| Nationwide | $2,732 | $2,912 | $2,669 |
| State Farm | $1,741 | $1,839 | $1,928 |
| Travelers | $2,850 | $2,954 | $2,930 |
| USAA | $1,364 | $1,404 | $1,452 |
Mountain Home, ID Car Insurance Rates by Age, Gender, and Marital Status
Mountain Home, Idaho car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Mountain Home, ID car insurance, get quotes from multiple car insurance companies in the Mountain Home area and see how these criteria affect your rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,142 | $2,118 | $1,881 | $1,946 | $8,116 | $9,420 | $2,366 | $2,492 |
| American Family | $2,088 | $2,088 | $1,859 | $1,859 | $7,355 | $9,596 | $2,088 | $2,629 |
| Farmers | $1,505 | $1,495 | $1,326 | $1,406 | $7,398 | $7,662 | $1,729 | $1,815 |
| Geico | $1,508 | $1,488 | $1,434 | $1,393 | $3,265 | $4,057 | $2,061 | $1,575 |
| Liberty Mutual | $1,426 | $1,538 | $1,158 | $1,290 | $4,493 | $4,992 | $1,515 | $1,606 |
| Nationwide | $1,886 | $1,932 | $1,699 | $1,806 | $4,597 | $5,674 | $2,203 | $2,374 |
| State Farm | $1,138 | $1,138 | $1,022 | $1,022 | $3,366 | $4,237 | $1,283 | $1,485 |
| Travelers | $1,233 | $1,253 | $1,233 | $1,230 | $6,003 | $9,535 | $1,305 | $1,498 |
| USAA | $830 | $828 | $811 | $800 | $2,696 | $3,017 | $1,095 | $1,178 |
Mountain Home, ID Car Insurance Rates for Teens
How much is Mountain Home, Idaho car insurance for teens? Compare rates from top Mountain Home car insurance companies below to help find the cheapest teen car insurance in Mountain Home, ID.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,116 | $9,420 |
| American Family | $7,355 | $9,596 |
| Farmers | $7,398 | $7,662 |
| Geico | $3,265 | $4,057 |
| Liberty Mutual | $4,493 | $4,992 |
| Nationwide | $4,597 | $5,674 |
| State Farm | $3,366 | $4,237 |
| Travelers | $6,003 | $9,535 |
| USAA | $2,696 | $3,017 |
Mountain Home, ID Car Insurance Rates for Seniors
Before seniors buy Mountain Home, Idaho car insurance, they should make sure to shop around. Some Mountain Home, ID car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,881 | $1,946 |
| American Family | $1,859 | $1,859 |
| Farmers | $1,326 | $1,406 |
| Geico | $1,434 | $1,393 |
| Liberty Mutual | $1,158 | $1,290 |
| Nationwide | $1,699 | $1,806 |
| State Farm | $1,022 | $1,022 |
| Travelers | $1,233 | $1,230 |
| USAA | $811 | $800 |
Mountain Home, ID Car Insurance Rates by Credit History
How does your credit history affect Mountain Home, ID car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,024 | $3,419 | $2,986 |
| American Family | $4,776 | $3,404 | $2,905 |
| Farmers | $3,426 | $2,915 | $2,785 |
| Geico | $2,550 | $2,037 | $1,707 |
| Liberty Mutual | $3,217 | $1,974 | $1,565 |
| Nationwide | $3,312 | $2,666 | $2,336 |
| State Farm | $2,579 | $1,631 | $1,299 |
| Travelers | $3,334 | $2,804 | $2,596 |
| USAA | $2,048 | $1,202 | $971 |
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Mountain Home, ID Car Insurance Rates by Driver History
How does a single speeding ticket affect your Mountain Home, Idaho car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Mountain Home.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,123 | $3,941 | $4,446 | $3,731 |
| American Family | $2,917 | $4,122 | $4,444 | $3,299 |
| Farmers | $2,651 | $3,363 | $3,158 | $2,995 |
| Geico | $1,295 | $2,058 | $2,866 | $2,172 |
| Liberty Mutual | $1,871 | $2,340 | $2,420 | $2,378 |
| Nationwide | $2,113 | $2,748 | $3,848 | $2,377 |
| State Farm | $1,677 | $1,996 | $1,836 | $1,836 |
| Travelers | $1,809 | $2,562 | $4,410 | $2,864 |
| USAA | $1,013 | $1,440 | $1,950 | $1,225 |
Mountain Home, ID Car Insurance Rates With a DUI
Even a single DUI can increase your Mountain Home, ID car insurance rates. Compare rates below to see which Mountain Home car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,446 |
| American Family | $4,444 |
| Farmers | $3,158 |
| Geico | $2,866 |
| Liberty Mutual | $2,420 |
| Nationwide | $3,848 |
| State Farm | $1,836 |
| Travelers | $4,410 |
| USAA | $1,950 |
Mountain Home, ID Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Mountain Home, ID car insurance rates may be. Let’s take a look at average car insurance rates from top Mountain Home companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,810 | $3,810 |
| American Family | $3,619 | $3,771 |
| Farmers | $3,042 | $3,042 |
| Geico | $2,062 | $2,134 |
| Liberty Mutual | $2,252 | $2,252 |
| Nationwide | $2,771 | $2,771 |
| State Farm | $1,793 | $1,880 |
| Travelers | $2,911 | $2,911 |
| USAA | $1,390 | $1,424 |
Mountain Home, ID Cheapest Car Insurance Rates
How do the top Mountain Home, Idaho car insurance companies’ average rates stack up against the Mountain Home average monthly car insurance rates of $221? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Mountain Home, ID Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Mountain Home, Idaho car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,810 |
| American Family | $3,695 |
| Farmers | $3,042 |
| Geico | $2,098 |
| Liberty Mutual | $2,252 |
| Nationwide | $2,771 |
| State Farm | $1,836 |
| Travelers | $2,911 |
| USAA | $1,407 |
Other Factors Affecting Mountain Home, ID Car Insurance Rates
Before you buy Mountain Home, Idaho car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Mountain Home, ID Car Theft Rates
The car theft rate in Mountain Home, ID will affect your car insurance rates. FBI data shows that the annual car theft rate for Mountain Home, Idaho is 21 stolen cars.
Mountain Home, ID Commute Time
How does your Mountain Home, ID commute time compare with the average driver? In Mountain Home, the average commute is 8.3 minutes.
Mountain Home, ID Car Insurance Quotes
Compare Mountain Home, ID car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.