Caldwell Car Insurance

How much does car insurance cost in Caldwell, ID? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Caldwell?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Idaho has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Caldwell typically pay around $68.98 per month compared to the national average of $135.61 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.61
Idaho $70.57
Caldwell, Idaho $68.98

Caldwell, ID Best Car Insurance Companies

car insurance in Caldwell

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, American National P generally has the most affordable car insurance in Caldwell coming in around $30.42 per month. Other companies to consider if you live in Caldwell is American National P&C with an average cost of $45.18 per month and USAA which typically runs around $50.11 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Caldwell.

RankCompanyAverage Monthly RateComparison State Average
1 American National P $30.42-56.90%
2 American National P&C $45.18-35.97%
3 USAA $50.11-28.99%
4 Travelers $73.664.38%
5 State Farm $76.448.32%
6 General Casualty $78.3110.97%
7 Oregon Mutual $93.1231.96%
8 Auto-Owners Insurance Co $94.8634.42%
9 Farm Bureau of ID Group $102.1844.80%
10 Nationwide $105.6149.66%

How Much is Car Insurance in Caldwell, ID?

how much is auto insurance in Caldwell

Rates can vary from city to city. The residents of Boise typically pay $73.12 per month while people who live in Caldwell will pay $68.98 per month on average. See what people pay for car insurance in other cities in Idaho.

Idaho CitiesMonthly Average Rate
Boise $73.12
Caldwell $68.98
Idaho Falls $74.79
Nampa $79.14
Pocatello $79.72
Rexburg$69.87

Cheap Car Insurance in Caldwell by Zip Codes

find cheap auto insurance in Caldwell

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Idaho. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Caldwell, ID ZIP CodeAverage Monthly Rate
83605$70.55
83607$66.78

Car Insurance Rates by Driver's Age Group in Caldwell

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $120.15 per month in Caldwell. Compare that to drivers in their 30’s who typically pay around $46.16 per month drivers in their 40s at $49.78 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$120.15
20s$101.71
30s$46.16
40s$49.78
50s$43.38
60s$33.32
70+$50.15

Cheapest Insurance for Teenage Drivers in Caldwell

If you are teen in Caldwell you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, American National P&C typically charges around $61.17 per month. This is likely the most affordable option in Caldwell. You might also want to consider USAA and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
American National P&C$61.17
USAA$69.75
State Farm$98.17
Auto-Owners Insurance Co$100.50
Farm Bureau of ID Group$108.00

Cheapest Insurance for 20 Year-olds in Caldwell

20 year-olds in Caldwell might want to consider American National P&C who, on average, offers car insurance rates around $63.26 per month. USAA, Travelers , State Farm and Oregon Mutual are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
American National P&C$63.26
USAA$69.94
Travelers$94.55
State Farm$105.30
Oregon Mutual$117.98

Cheapest Insurance for 30 Year-olds in Caldwell

If you are in your 30s in Caldwell our research has found that American National P&C typically has the most affordable coverage coming in around $39.67 per month, followed by USAA at $40.55 and Travelers at $50.83.

CompanyAverage Monthly Rate
American National P&C$39.67
USAA$40.55
Travelers$50.83
State Farm$62.65
General Casualty$63.83

Cheapest Insurance for 40 Year-olds in Caldwell

On average, American National P&C offers car insurance for 40 year-olds in Caldwell for around $29.12 per month. If you are looking for affordable coverage, you may also want to consider American National P or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
American National P&C$29.12
American National P$32.83
USAA$34.68
Travelers$47.67
General Casualty$49.50

Cheapest Insurance for 50 Year-olds in Caldwell

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Caldwell we found that American National P&C generally offers the most affordable coverage at $28.22 per month.

CompanyAverage Monthly Rate
American National P&C$28.22
USAA$38.47
Travelers$53.00
State Farm$63.25
SAFECO$65.67

Cheapest Insurance for 60 Year-olds in Caldwell

If you live in Caldwell and you’re in your 60s, our data indicates that USAA usually has the best rates at $37.67 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$37.67
American National P&C$42.42
SAFECO$44.42
State Farm$67.63
General Casualty$68.67

Driver's Coverage Auto Insurance Rates in Caldwell, ID

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Caldwell, the average monthly rate for a driver who is currently insured is $65.29 while drivers who are not currently covered will pay around $76.28.

CoverageAverage Monthly Rate
Not Currently Insured $76.28
Currently Insured $65.29

Compare Recent Car Insurance Quotes in Caldwell

auto insurance quotes in Caldwell city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Caldwell a driver of a 2010 Honda Accord can expect to pay around $42.47 per month while someone that owns a 2009 Ford Focus may pay around $73.31 per month. Check out the list of recent quotes in Caldwell below.

VehicleAverage Monthly Rate
2010 Honda Accord$42.47
2009 Ford Focus$73.31
2000 Pontiac Grand Am$46.00
2006 Chrysler 300c$50.05
2015 Hyundai Sonata$51.38
2001 Honda Civic$40.15
2011 Suzuki Sx4$70.98
2017 Honda Accord$103.58
2020 TOYOTA RAV4$58.53
2015 Dodge Grand Caravan$115.04

FAQ's for Drivers in Caldwell, ID

driver’s frequently asked question in Caldwell

What Is the Minimum Liability Coverage Requirement in Caldwell, ID?

Idaho drivers are legally obligated to carry minimum limits of $25,000 bodily injury coverage per person and $50,000 per accident, along with at least $15,000 property damage coverage per accident.

Under state law, your carrier must automatically offer you uninsured and underinsured motorist coverage in the amounts of $25,000 bodily injury coverage per person and $50,000 per accident. However, you can reject this additional coverage in writing if you prefer to go without it.

  •  $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  •  $50,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  •  $15,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Carrying just the minimum coverage to satisfy the law is fairly common. But keep in mind that this doesn’t protect you in a variety of circumstances. If you think of your auto insurance as an investment into your financial security, you might decide it’s worth a little more each month to add on optional coverages. There’s peace of mind in knowing that your wallet is well protected from all sorts of potential expenses—some of which can be significant.

What Is the Blood Alcohol Concentration (BAC) limit in Caldwell, ID?

It’s illegal to drive in Idaho at the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

Idaho enforces stricter penalties for drivers registering a BAC of 0.20% or higher. In such situations, the penalties are increased to match what they would be if the driver had an additional prior offense within the last 10 years (i.e., a first-time offender would face second-time offender penalties, and a second-time offender would face third-time offender penalties). Learn more about DUI consequences two questions down.

What happens if my coverage lapses?

Under Idaho law, all registered vehicles must have financial accountability with the legally mandated minimum coverage at all times. First-time offense penalties in Idaho are fairly lenient compared to those in many other states, but driving without insurance puts you and other motorists at risk and should never occur.

The first time you drive without insurance, your license will be suspended until you can show proof of coverage and pay a reinstatement fee. Also, you’ll face fines of up to about $130. Fines may increase as much as tenfold on your second infraction, though, and you may also be sentenced to up to 6 months in jail (or face less jail time and additional fines).

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Commute Time in Caldwell, ID

23.5 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Caldwell, ID

25

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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