Best Malad City, ID Car Insurance in 2024
Car insurance in Malad City, ID averages $238 a month. Malad City, Idaho car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Malad City car insurance rates, compare quotes from the top car insurance companies in Malad City, ID.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Oct 24, 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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 Malad City for teen drivers is State Farm
- The cheapest car insurance company in Malad City is State Farm
- Average car insurance rates in Malad City, ID after a DUI are $3,531/year
If you need to buy Malad City, Idaho car insurance, the options can be confusing. Everything you need to know about car insurance in Malad City, ID is right here.
You’ll find Malad City car insurance rates, the cheapest Malad City, ID car insurance companies, and information on Idaho car insurance laws. You can also compare Malad City, Idaho car insurance rates to Nampa car insurance rates, Coeur d’Alene car insurance rates, and Idaho Falls car insurance rates.
Ready to find affordable Malad City, ID car insurance today? Enter your ZIP code for fast, free Malad City car insurance quotes.
Cheapest Malad City, ID Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Malad City, ID car insurance rates? Every Malad City, Idaho car insurance company weighs these factors differently, so check out the comparison 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 | $2,388 | $2,382 | $2,069 | $2,147 | $8,554 | $9,862 | $2,684 | $2,843 |
| American Family | $2,088 | $2,088 | $1,859 | $1,859 | $7,355 | $9,596 | $2,088 | $2,629 |
| Farmers | $1,616 | $1,607 | $1,426 | $1,507 | $7,794 | $8,074 | $1,862 | $1,966 |
| Geico | $2,016 | $1,991 | $1,919 | $1,863 | $4,278 | $5,328 | $2,718 | $2,106 |
| Liberty Mutual | $1,550 | $1,673 | $1,257 | $1,404 | $4,901 | $5,448 | $1,646 | $1,741 |
| Nationwide | $1,798 | $1,843 | $1,621 | $1,723 | $4,347 | $5,363 | $2,096 | $2,258 |
| State Farm | $1,112 | $1,112 | $995 | $995 | $3,245 | $4,084 | $1,253 | $1,450 |
| Travelers | $1,330 | $1,351 | $1,332 | $1,327 | $6,486 | $10,245 | $1,412 | $1,624 |
| USAA | $1,100 | $1,103 | $1,070 | $1,059 | $3,565 | $3,999 | $1,458 | $1,579 |
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Minimum Car Insurance in Malad City, ID
Every driver must carry the minimum car insurance in Malad City, ID. Take a look at the Idaho car insurance requirements.
| 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 |
Cheapest Malad City, ID Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Malad City, ID. Compare credit history car insurance rates in Malad City from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,435 | $3,690 | $3,224 |
| American Family | $4,776 | $3,404 | $2,905 |
| Farmers | $3,645 | $3,093 | $2,956 |
| Geico | $3,377 | $2,696 | $2,260 |
| Liberty Mutual | $3,503 | $2,150 | $1,704 |
| Nationwide | $3,144 | $2,530 | $2,219 |
| State Farm | $2,501 | $1,582 | $1,260 |
| Travelers | $3,595 | $3,022 | $2,798 |
| USAA | $2,742 | $1,585 | $1,273 |
Cheapest Malad City, ID Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Malad City, ID to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,411 | $4,275 | $4,752 | $4,028 |
| American Family | $2,917 | $4,122 | $4,444 | $3,299 |
| Farmers | $2,822 | $3,571 | $3,347 | $3,188 |
| Geico | $1,704 | $2,720 | $3,808 | $2,879 |
| Liberty Mutual | $2,037 | $2,550 | $2,635 | $2,588 |
| Nationwide | $2,008 | $2,609 | $3,651 | $2,257 |
| State Farm | $1,629 | $1,932 | $1,781 | $1,781 |
| Travelers | $1,945 | $2,758 | $4,769 | $3,081 |
| USAA | $1,341 | $1,908 | $2,595 | $1,623 |
Cheapest Malad City, ID Car Insurance for Teen Drivers
Teen car insurance in Malad City, ID can be expensive. Take a look at rates from the top car insurance companies in Malad City for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,554 | $9,862 |
| American Family | $7,355 | $9,596 |
| Farmers | $7,794 | $8,074 |
| Geico | $4,278 | $5,328 |
| Liberty Mutual | $4,901 | $5,448 |
| Nationwide | $4,347 | $5,363 |
| State Farm | $3,245 | $4,084 |
| Travelers | $6,486 | $10,245 |
| USAA | $3,565 | $3,999 |
Cheapest Malad City, ID Car Insurance for Seniors
Take a look at Malad City, ID senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,069 | $2,147 |
| American Family | $1,859 | $1,859 |
| Farmers | $1,426 | $1,507 |
| Geico | $1,919 | $1,863 |
| Liberty Mutual | $1,257 | $1,404 |
| Nationwide | $1,621 | $1,723 |
| State Farm | $995 | $995 |
| Travelers | $1,332 | $1,327 |
| USAA | $1,070 | $1,059 |
Cheapest Malad City, ID Car Insurance Rates After a DUI
A DUI in Malad City, ID increases car insurance rates. Compare Malad City, Idaho DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,752 |
| American Family | $4,444 |
| Farmers | $3,347 |
| Geico | $3,808 |
| Liberty Mutual | $2,635 |
| Nationwide | $3,651 |
| State Farm | $1,781 |
| Travelers | $4,769 |
| USAA | $2,595 |
Read more: What are the DUI insurance laws in Idaho?
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Cheapest Malad City, ID Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Malad City, ID by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,116 | $4,116 |
| American Family | $3,619 | $3,771 |
| Farmers | $3,232 | $3,232 |
| Geico | $2,730 | $2,825 |
| Liberty Mutual | $2,452 | $2,452 |
| Nationwide | $2,631 | $2,631 |
| State Farm | $1,739 | $1,822 |
| Travelers | $3,138 | $3,138 |
| USAA | $1,844 | $1,889 |
The Best Cheap Car Insurance Companies in Malad City, ID
Take a look at a side-by-side comparison of the top car insurance companies in Malad City, ID to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,116 |
| American Family | $3,695 |
| Farmers | $3,232 |
| Geico | $2,778 |
| Liberty Mutual | $2,452 |
| Nationwide | $2,631 |
| State Farm | $1,781 |
| Travelers | $3,138 |
| USAA | $1,867 |
Category Winners: Cheapest Car Insurance in Malad City, Idaho
Find the cheapest car insurance companies in Malad City, ID for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Cheapest Malad City, ID Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Malad City car insurance rates. Find the cheapest Malad City, ID car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,968 | $4,109 | $4,271 |
| American Family | $3,705 | $3,879 | $3,502 |
| Farmers | $3,076 | $3,195 | $3,424 |
| Geico | $2,640 | $2,773 | $2,920 |
| Liberty Mutual | $2,325 | $2,449 | $2,583 |
| Nationwide | $2,595 | $2,764 | $2,534 |
| State Farm | $1,694 | $1,783 | $1,866 |
| Travelers | $3,093 | $3,184 | $3,138 |
| USAA | $1,817 | $1,864 | $1,920 |
What affects car insurance rates in Malad City, Idaho?
What factors can have an impact on Malad City, ID car insurance? There are several reasons why Malad City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Malad City, Idaho.
Commute Time in Malad City
The more time you spend in your car the higher the risk of an accident. The average commute length in Malad City, ID is 20.6 minutes according to City-Data.
Compare Car Insurance Quotes in Malad City, ID
Ready to find affordable Malad City, Idaho car insurance today? Enter your ZIP code for fast, free Malad City, ID car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I compare car insurance rates in Malad City, ID?
To compare car insurance rates in Malad City, ID, you can follow these steps:
- Research Insurance Providers: Start by researching different insurance providers that offer car insurance in Malad City. Look for well-established companies with a good reputation and positive customer reviews.
- Determine Coverage Needs: Assess your coverage needs based on factors such as your vehicle type, driving habits, and personal preferences. Consider the type and level of coverage you require, such as liability, collision, comprehensive, or personal injury protection.
- Request Quotes: Reach out to multiple insurance providers and request quotes for the coverage you need. Provide accurate information about yourself, your vehicle, and your driving history to get the most accurate quotes.
- Compare Quotes: Once you receive quotes from different insurance providers, compare them side by side. Pay attention to the coverage limits, deductibles, and any additional benefits or discounts offered. Consider the overall cost as well as the quality of coverage provided.
- Evaluate Customer Service: Along with price, consider the customer service and support provided by each insurance company. Read reviews, check their responsiveness, and evaluate their reputation for handling claims efficiently.
- Make an Informed Decision: After comparing rates, coverage, and customer service, make an informed decision based on your needs and budget. Choose an insurance provider that offers the best combination of affordability, coverage, and customer satisfaction.
What factors affect car insurance rates in Malad City, ID?
Several factors can influence car insurance rates in Malad City, ID. These factors include:
- Age and Driving Experience: Younger and inexperienced drivers often have higher insurance rates compared to older, more experienced drivers.
- Vehicle Type: The make, model, and year of your vehicle can affect your insurance rates. Expensive or high-performance cars may have higher premiums due to higher repair costs or an increased risk of theft.
- Driving Record: Your driving record plays a significant role in determining your insurance rates. If you have a history of traffic violations or accidents, you may face higher premiums.
- Coverage and Deductibles: The type and level of coverage you choose, as well as the deductible amount, can impact your insurance rates. Higher coverage limits and lower deductibles generally result in higher premiums.
- Location: The area where you live, such as Malad City, ID, can affect your insurance rates. Factors like crime rates, accident rates, and population density can influence premiums.
- Credit History: In some states, including Idaho, insurance companies may consider your credit history when determining rates. Maintaining a good credit score can help you secure lower insurance premiums.
- Annual Mileage: The number of miles you drive annually can impact your rates. Generally, the more you drive, the higher the risk of an accident, which may result in higher premiums.
Are there any discounts available for car insurance in Malad City, ID?
Yes, many insurance providers offer various discounts that can help lower your car insurance rates in Malad City, ID. Some common discounts include:
- Multi-Policy Discount: If you have multiple policies with the same insurance company, such as auto and home insurance, you may be eligible for a discount on both policies.
- Safe Driver Discount: Insurance companies often provide discounts to drivers with a clean driving record, meaning no accidents or traffic violations within a specified period.
- Good Student Discount: If you’re a student and maintain good grades, you may be eligible for a discount on your car insurance premium.
- Anti-Theft Device Discount: Installing anti-theft devices, such as alarms or vehicle tracking systems, can earn you a discount on your insurance rates.
- Defensive Driving Course Discount: Completing a state-approved defensive driving course can sometimes lead to a discount on your car insurance premium.
- Low Mileage Discount: If you don’t drive your vehicle extensively, you may qualify for a low mileage discount.
How can I lower my car insurance rates in Malad City, ID?
Here are some strategies to help lower your car insurance rates in Malad City, ID:
- Maintain a Clean Driving Record: Avoid accidents and traffic violations as they can significantly increase your insurance premiums. Safe driving over time can lead to lower rates.
- Increase Deductibles: Consider raising your deductible, the amount you pay out of pocket in the event of a claim. Higher deductibles generally result in lower premiums, but make sure you can afford the increased deductible amount.
- Bundle Insurance Policies: If you have multiple insurance policies, such as auto and home insurance, consider bundling them with the same insurance provider. This often leads to discounts on both policies.
- Take Advantage of Discounts: Check with your insurance provider to explore available discounts, such as safe driver, good student, or multi-vehicle discounts. Take advantage of these opportunities to reduce your premiums.
- Install Safety Features: Adding safety features to your vehicle, such as anti-theft devices or safety alarms, may qualify you for discounts on your insurance premiums.
- Shop Around: Regularly compare car insurance rates from different providers to ensure you’re getting the best possible deal. Insurance rates can vary significantly between companies, so it’s essential to shop around and compare quotes.
- Consider Usage-Based Insurance: Some insurance companies offer usage-based insurance programs that assess your premiums based on your actual driving habits. If you’re a safe driver who doesn’t frequently drive during high-risk times, this option may result in lower rates.
Are there any specific car insurance requirements in Malad City, ID?
Yes, there are specific car insurance requirements in Malad City, ID, as mandated by the state of Idaho. The minimum car insurance coverage you must carry in Malad City includes:
- Liability Insurance: You must have liability insurance to cover bodily injury and property damage liability. The minimum coverage limits in Idaho are 25/50/15, which means you need at least:
- $25,000 bodily injury liability coverage per person injured in an accident
- $50,000 bodily injury liability coverage per accident for all persons injured
- $15,000 property damage liability coverage per accident for any property damage caused
It’s important to note that these are the minimum required coverage limits, and you may choose to purchase higher limits for better protection.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.