When purchasing Idaho car insurance, it pays to do your research. Different companies use different rating factors when setting rates; therefore comparing quotes is the key to finding the most competitive deals. Some drivers may pay extra for outstanding customer service while others prioritize low rates or smooth claims processing; it’s essential that you assess your needs so as to find an insurance policy which best meets them.

Different factors determine the cost of Idaho car insurance, such as whether or not you include teenage drivers on your policy, age and the level of coverage that you purchase. Liability-only policies offer basic state minimum protection; however they don’t protect you or your vehicle against accidents, theft or natural disasters. Full coverage car insurance provides more comprehensive protection against these risks and is advised by experts.

Your vehicle and driving habits also play a part in your rate, with some repairs costing more than others and exotic or imported cars costing more to insure than standard sedans. Finally, where your home is located can have an effect; certain areas have higher crime rates, traffic congestion issues and vehicle theft than others.

Your driving history and record are the single greatest influencer on Idaho car insurance premiums. If you have multiple tickets or at-fault crashes on your record, your rates will likely increase more quickly than a safer driver with an impeccable record – though having good credit may help lower them as can keeping a clean driving history free from at-fault incidents or tickets can reduce them as well.

Searching for an insurance policy that meets Idaho’s minimum coverage requirements can be challenging, so we have created this list of Idaho’s top car insurers to make the process simpler for you. In addition, we’ve listed those with policies tailored specifically to certain age or risk categories so you can quickly locate an option that meets both your lifestyle and budget needs.