Idaho Falls Car Insurance

Your Complete Car Insurance Guide for Idaho Falls

Find the right car insurance policy for you.

Idaho Falls is the business and economic hub for all of eastern Idaho and western Wyoming. With its close proximity to Yellowstone National Park, Grand Teton National Park, and world-class fishing on the Snake River, Idaho Falls is popular with visitors, especially during the summer months. Idaho Falls residents often must contend with unfamiliar drivers traveling the local roadways. Good auto insurance—and patience—are essential for Idaho Falls drivers. The roads can become congested and accidents can happen. 

Idaho Falls drivers need quality, affordable car insurance to protect them from the financial consequences of a crash. With the help of an Independent Insurance Agent, you can find the right Idaho Falls auto insurance policy to tackle your risks and protect your family.

Cost of Car Insurance in Idaho Falls

Did you know? The average cost of car insurance in Idaho Falls is $140 per month. 

Here are some factors that determine what your payment will be:

  • Your car’s age, make and model
  • Your average annual mileage
  • Where you live

If you think your monthly payment is higher than most, you may drive a more expensive car or have a longer commute than others. An agent can help you find Boise car insurance that offers the right coverage at the right price. 

Idaho Falls Insurance Requirements

  • Bodily Injury Liability: $25,000 per person, $50,000 per accident required
  • Property Damage Liability: $15,000 required
  • Personal Injury Protection (PIP): Not required

Car insurance helps you pay for damage or injuries that you cause if you are at fault for an accident. You can also purchase additional coverage pays if your own car is stolen or damaged. In Idaho, drivers are required to purchase a minimum amount of liability insurance that covers property damage and bodily injury claims. The minimum coverage is often not sufficient to fully cover most people. If you have a mishap with your car, here’s how your Idaho Falls auto policy can help. 

Who Pays If the Accident Wasn’t My Fault?

The driver who caused the accident, of course. Approximately 8.2% of Alabama drivers are uninsured. And without a financial back-up plan for accidents, other drivers are on the hook for their mistakes. That's where “uninsured motorist coverage” comes in for Idaho drivers. If an uninsured driver causes an accident, it covers your vehicle damage and medical bills. Some states require all drivers to purchase uninsured motorist coverage. But Idaho does not require you to have uninsured motorist coverage. 

What Affects the Cost of Idaho Falls Car Insurance?

The cost of your Idaho Falls car insurance policy is based on your personal risk factors, such as:

  • Your age 
  • Your marital status
  • Your gender
  • Where you live
  • Your driving history
  • The number of cars in your household

Insurance companies evaluate these factors to help them predict how big of a risk you are—or how likely you are to file a claim. If you live in a city with a high rate of auto theft, you are more likely to file a claim than someone who lives in a safer city. If you are young, single, or have a poor driving record, you are more likely to file a claim than someone who is older, married, or has a clean driving record. If you have any of these risk factors, expect to pay more for Idaho Falls car insurance. But keep in mind, most insurance companies also offer a variety of discounts that you might qualify for. An independent insurance agent can help you take advantage of all of the discounts that you are eligible for. 

City Factors That Will affect your rate:

Commute Time

More time spent on the roads means a greater likelihood that you could be in an accident. Drivers with shorter commute times generally pay less for car insurance. Commute times in Idaho Falls are lower than the national average. 

  • National average: 25.4 minutes
  • Idaho Falls average: 16.6 minutes

Number of Auto Thefts in Idaho Falls

  • National number of thefts for 1,000 vehicles: 2.94 
  • Number of thefts for 1,000 vehicles in Idaho Falls: 1.55 

The vehicle theft rate in Idaho Falls is low compared to the rest of the U.S. Living in Idaho Falls is a great way to keep your car insurance rates down. But you still need car insurance to protect you if your car is stolen or vandalized. It helps you pay for repairs or to replace a vandalized or stolen vehicle. It can also reimburse you for any personal property stolen from your car. If you are a victim of auto theft, an Idaho Falls offers more than peace of mind. It can minimize the time you are without a car and get you back on the road in no time. 

Find Affordable Car Insurance in Idaho Falls

Our Independent Insurance Agents can offer a variety of car insurance options for Idaho Falls residents. An independent agent can work with multiple insurance companies to make sure you are making the best choice for your budget. And our local agents will get to know you and will make sure your risks are tackled with the right coverage.

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