Best Cheap Auto Insurance in Rathdrum, ID (2021)

The average Rathdrum, ID auto insurance rates are $239 per month. The minimum auto insurance in Rathdrum is at least 25/50/15 in coverage to comply with Idaho auto insurance laws. To find the best cheap auto insurance in Rathdrum, 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 17, 2021

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Things to Remember

  • The average commute length in Rathdrum is 25.6 minutes
  • The most expensive auto insurance company in Rathdrum for teen drivers is Allstate
  • The cheapest auto insurance company in Rathdrum is State Farm

Rathdrum, Idaho auto insurance requirements are 25/50/15 according to Idaho auto insurance laws. Finding cheap auto insurance in Rathdrum 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 Rathdrum, Idaho, including driving record, credit, commute time, and more.

Compare auto insurance in Rathdrum to other Idaho cities, including Meridian auto insurance rates, Nampa auto insurance rates, and Lewiston auto insurance rates to see how Rathdrum, Idaho auto insurance rates stack up.

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

Minimum Auto Insurance in Rathdrum, Idaho

Rathdrum, 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 Rathdrum, Idaho.

Minimum Required Auto Insurance Coverage in Rathdrum, 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 Rathdrum, Idaho Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Rathdrum, 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 Rathdrum, 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 $2,206 $2,196 $1,918 $1,988 $7,962 $9,200 $2,469 $2,617
American Family $2,066 $2,066 $1,836 $1,836 $7,336 $9,550 $2,066 $2,590
Farmers $1,664 $1,651 $1,470 $1,552 $7,947 $8,215 $1,922 $2,035
GEICO $2,162 $2,135 $2,057 $1,998 $4,612 $5,741 $2,925 $2,258
Liberty Mutual $1,386 $1,495 $1,121 $1,251 $4,503 $5,007 $1,473 $1,558
Nationwide $1,842 $1,887 $1,661 $1,765 $4,486 $5,529 $2,151 $2,318
State Farm $1,176 $1,176 $1,065 $1,065 $3,567 $4,500 $1,329 $1,531
Travelers $1,331 $1,352 $1,339 $1,332 $6,544 $10,323 $1,415 $1,621
USAA $1,178 $1,173 $1,152 $1,132 $3,937 $4,411 $1,564 $1,683

Cheap Rathdrum, Idaho Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Rathdrum, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,962 $9,200
American Family $7,336 $9,550
Farmers $7,947 $8,215
GEICO $4,612 $5,741
Liberty Mutual $4,503 $5,007
Nationwide $4,486 $5,529
State Farm $3,567 $4,500
Travelers $6,544 $10,323
USAA $3,937 $4,411

Cheap Rathdrum, Idaho Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Rathdrum, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,918 $1,988
American Family $1,836 $1,836
Farmers $1,470 $1,552
GEICO $2,057 $1,998
Liberty Mutual $1,121 $1,251
Nationwide $1,661 $1,765
State Farm $1,065 $1,065
Travelers $1,339 $1,332
USAA $1,152 $1,132

Cheap Rathdrum, 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 Rathdrum, Idaho compared to the annual auto insurance rates with a clean record in Rathdrum, Idaho.

Annual Rathdrum, Idaho Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,158 $3,957 $4,424 $3,740
American Family $2,892 $4,091 $4,415 $3,275
Farmers $2,891 $3,656 $3,416 $3,264
GEICO $1,835 $2,926 $4,090 $3,094
Liberty Mutual $1,849 $2,315 $2,386 $2,348
Nationwide $2,064 $2,682 $3,753 $2,321
State Farm $1,753 $2,099 $1,926 $1,926
Travelers $1,949 $2,772 $4,809 $3,099
USAA $1,452 $2,079 $2,824 $1,761

Cheap Rathdrum, Idaho Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Rathdrum, Idaho

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,424
American Family $4,415
Farmers $3,416
GEICO $4,090
Liberty Mutual $2,386
Nationwide $3,753
State Farm $1,926
Travelers $4,809
USAA $2,824

Cheap Rathdrum, Idaho Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Rathdrum, Idaho

Insurance Company Poor Fair Good
Allstate $5,036 $3,428 $2,995
American Family $4,737 $3,381 $2,887
Farmers $3,735 $3,163 $3,023
GEICO $3,630 $2,898 $2,429
Liberty Mutual $3,170 $1,954 $1,549
Nationwide $3,231 $2,603 $2,282
State Farm $2,706 $1,710 $1,362
Travelers $3,616 $3,041 $2,815
USAA $2,960 $1,731 $1,395

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Cheap Rathdrum, Idaho Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Rathdrum, Idaho

ZIP Code Average Annual Rates
83858 $2,869

Cheap Rathdrum, Idaho Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Rathdrum, Idaho

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,820 $3,820
American Family $3,592 $3,744
Farmers $3,307 $3,307
GEICO $2,935 $3,037
Liberty Mutual $2,224 $2,224
Nationwide $2,705 $2,705
State Farm $1,879 $1,973
Travelers $3,157 $3,157
USAA $2,005 $2,053

Cheap Rathdrum, Idaho Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Rathdrum, Idaho

Insurance Company Low Medium High
Allstate $3,694 $3,813 $3,952
American Family $3,667 $3,850 $3,487
Farmers $3,161 $3,274 $3,486
GEICO $2,833 $2,981 $3,144
Liberty Mutual $2,106 $2,221 $2,346
Nationwide $2,666 $2,843 $2,607
State Farm $1,809 $1,931 $2,039
Travelers $3,111 $3,204 $3,157
USAA $1,968 $2,025 $2,093

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Best By Category: Cheapest Auto Insurance in Rathdrum, Idaho

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

Best Annual Auto Insurance Rates by Company in Rathdrum, Idaho

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

The Cheapest Rathdrum, Idaho Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Rathdrum, Idaho

Insurance Company Average Annual Rates
Allstate $3,820
American Family $3,668
Farmers $3,307
GEICO $2,986
Liberty Mutual $2,224
Nationwide $2,705
State Farm $1,926
Travelers $3,157
USAA $2,029

What affects auto insurance rates in Rathdrum, Idaho?

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

Rathdrum Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Rathdrum, Idaho auto theft statistics, there have been 14 auto thefts in the city.

Rathdrum Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Rathdrum, Idaho commute length is 25.6 minutes according to City-Data.

Free Auto Insurance Comparison

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Compare Rathdrum, Idaho Auto Insurance Quotes

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