Best Cheap Auto Insurance in Caldwell, ID (2021)

The average Caldwell, ID auto insurance rates are $238 per month. The minimum auto insurance in Caldwell is at least 25/50/15 in coverage to comply with Idaho auto insurance laws. To find the best cheap auto insurance in Caldwell, Idaho, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Things to Remember

  • The average commute length in Caldwell is 24.6 minutes
  • Average auto insurance rates in Caldwell, ID for senior drivers are $1,496 per year
  • The cheapest auto insurance company in Caldwell is USAA

Caldwell, Idaho auto insurance requirements are 25/50/15 according to Idaho auto insurance laws. Finding cheap auto insurance in Caldwell can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Caldwell, Idaho, including driving record, credit, commute time, and more.

Compare auto insurance in Caldwell to other Idaho cities, including Boise City auto insurance rates, Caldwell auto insurance rates, and Coeur d’Alene auto insurance rates to see how Caldwell, Idaho auto insurance rates stack up.

Before you buy Caldwell, Idaho auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Caldwell, Idaho auto insurance quotes.

Minimum Auto Insurance in Caldwell, Idaho

Caldwell, Idaho auto insurance laws require that you have at least the Idaho minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Caldwell, Idaho.

Minimum Required Auto Insurance Coverage in Caldwell, Idaho

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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Cheap Caldwell, Idaho Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Caldwell, Idaho are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Caldwell, Idaho

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 $2,254 $2,234 $1,976 $2,048 $8,503 $9,841 $2,495 $2,619
American Family $2,319 $2,319 $2,054 $2,054 $8,445 $10,934 $2,319 $2,884
Farmers $1,494 $1,485 $1,317 $1,396 $7,372 $7,639 $1,718 $1,803
GEICO $1,794 $1,769 $1,705 $1,656 $3,923 $4,870 $2,469 $1,873
Liberty Mutual $1,434 $1,548 $1,152 $1,293 $4,892 $5,451 $1,518 $1,595
Nationwide $1,888 $1,926 $1,707 $1,808 $4,776 $5,852 $2,227 $2,396
State Farm $1,175 $1,175 $1,070 $1,070 $3,625 $4,575 $1,329 $1,529
Travelers $1,311 $1,330 $1,326 $1,321 $6,653 $10,597 $1,395 $1,577
USAA $1,009 $996 $999 $980 $3,332 $3,737 $1,335 $1,426

Cheap Caldwell, Idaho Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Caldwell, Idaho is a challenge. Take a look at the annual teen auto insurance rates in Caldwell, Idaho.

Annual Auto Insurance Rates for Teen Drivers in Caldwell, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,503 $9,841
American Family $8,445 $10,934
Farmers $7,372 $7,639
GEICO $3,923 $4,870
Liberty Mutual $4,892 $5,451
Nationwide $4,776 $5,852
State Farm $3,625 $4,575
Travelers $6,653 $10,597
USAA $3,332 $3,737

Cheap Caldwell, Idaho Auto Insurance for Seniors

What are senior auto insurance rates in Caldwell, Idaho? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Caldwell, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,976 $2,048
American Family $2,054 $2,054
Farmers $1,317 $1,396
GEICO $1,705 $1,656
Liberty Mutual $1,152 $1,293
Nationwide $1,707 $1,808
State Farm $1,070 $1,070
Travelers $1,326 $1,321
USAA $999 $980

Cheap Caldwell, Idaho Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Caldwell, Idaho compared to the annual auto insurance rates with a clean record in Caldwell, Idaho.

Annual Caldwell, Idaho Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,284 $4,148 $4,644 $3,909
American Family $3,274 $4,643 $5,027 $3,720
Farmers $2,639 $3,348 $3,144 $2,981
GEICO $1,553 $2,462 $3,420 $2,595
Liberty Mutual $1,961 $2,465 $2,525 $2,492
Nationwide $2,168 $2,801 $3,892 $2,429
State Farm $1,764 $2,122 $1,943 $1,943
Travelers $1,958 $2,801 $4,855 $3,140
USAA $1,240 $1,773 $2,393 $1,502

Cheap Caldwell, Idaho Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Caldwell, Idaho is not easy. Compare the annual rates for DUI auto insurance in Caldwell, Idaho to find the best deal.

Annual Auto Insurance Rates After a DUI in Caldwell, Idaho

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,644
American Family $5,027
Farmers $3,144
GEICO $3,420
Liberty Mutual $2,525
Nationwide $3,892
State Farm $1,943
Travelers $4,855
USAA $2,393

Cheap Caldwell, Idaho Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Caldwell, Idaho annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Caldwell, Idaho

Insurance Company Poor Fair Good
Allstate $5,279 $3,581 $3,129
American Family $5,372 $3,843 $3,283
Farmers $3,410 $2,902 $2,772
GEICO $3,047 $2,435 $2,040
Liberty Mutual $3,356 $2,080 $1,645
Nationwide $3,360 $2,724 $2,384
State Farm $2,730 $1,726 $1,374
Travelers $3,644 $3,074 $2,848
USAA $2,490 $1,484 $1,207

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Cheap Caldwell, Idaho Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Caldwell, Idaho can vary. Compare the annual cost of auto insurance by ZIP code in Caldwell, Idaho to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Caldwell, Idaho

ZIP Code Average Annual Rates
83605 $2,863
83607 $2,857

Cheap Caldwell, Idaho Auto Insurance Rates By Commute

Commute length and annual mileage affect Caldwell, Idaho auto insurance. Find the cheapest annual Caldwell, Idaho auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Caldwell, Idaho

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,996 $3,996
American Family $4,079 $4,253
Farmers $3,028 $3,028
GEICO $2,465 $2,550
Liberty Mutual $2,361 $2,361
Nationwide $2,822 $2,822
State Farm $1,895 $1,992
Travelers $3,189 $3,189
USAA $1,706 $1,748

Cheap Caldwell, Idaho Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Caldwell, Idaho? Check out the comparison of annual Caldwell, Idaho auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Caldwell, Idaho

Insurance Company Low Medium High
Allstate $3,807 $3,987 $4,195
American Family $4,139 $4,374 $3,985
Farmers $2,864 $2,990 $3,230
GEICO $2,349 $2,502 $2,672
Liberty Mutual $2,200 $2,356 $2,525
Nationwide $2,760 $2,969 $2,738
State Farm $1,816 $1,949 $2,065
Travelers $3,115 $3,237 $3,214
USAA $1,659 $1,723 $1,799

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Best By Category: Cheapest Auto Insurance in Caldwell, Idaho

Compare the cheapest auto insurance companies in Caldwell, Idaho in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Caldwell, Idaho

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Caldwell, Idaho Auto Insurance Companies

What auto insurance companies in Caldwell, Idaho are the cheapest? Compare the top Caldwell, Idaho auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Caldwell, Idaho

Insurance Company Average Annual Rates
Allstate $3,996
American Family $4,166
Farmers $3,028
GEICO $2,508
Liberty Mutual $2,361
Nationwide $2,822
State Farm $1,943
Travelers $3,189
USAA $1,727

What affects auto insurance rates in Caldwell, Idaho?

There are a lot of reasons why auto insurance rates in Caldwell, Idaho are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Caldwell, Idaho. Many local factors may affect your Caldwell auto insurance rates.

Caldwell Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Caldwell, Idaho auto theft statistics, there have been 134 auto thefts in the city.

Caldwell Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Caldwell, Idaho commute length is 24.6 minutes according to City-Data.

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Compare Caldwell, Idaho Auto Insurance Quotes

Before you buy Caldwell, Idaho auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Caldwell, Idaho auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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