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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Emmett, ID are $226/month
  • Average car insurance rates in Emmett, ID for senior drivers are $1,433/year
  • The annual number of car thefts in Emmett is 8.

Average car insurance rates in Emmett, Idaho are $226 a month. But with a little research you can get a great deal from the top car insurance companies in Emmett, ID. Before you buy Emmett, Idaho car insurance, make sure your coverage meets or exceeds the Idaho minimum of 25/50/15.

It may even be helpful to compare Emmett car insurance rates with Lewiston car insurance rates, Caldwell car insurance rates, or Twin Falls car insurance rates to make sure you’re getting the best Emmett, ID car insurance quotes available.

Need affordable Emmett, ID car insurance? Enter your ZIP code to compare Emmett car insurance quotes from multiple car insurance companies near you.

Emmett, ID Minimum Car Insurance Coverage

Emmett, Idaho law requires drivers carry a minimum of 25/50/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Emmett, 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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Emmett, ID Car Insurance Rates by Coverage Level

Some Emmett drivers can get by with the Idaho minimum coverage of 25/50/15. Other drivers may need more. See how much your Emmett, Idaho car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Emmett, Idaho

Insurance Company Low Medium High
Allstate $3,717 $3,874 $4,056
American Family $3,705 $3,879 $3,502
Farmers $2,880 $3,004 $3,241
GEICO $2,389 $2,538 $2,702
Liberty Mutual $1,959 $2,077 $2,206
Nationwide $2,492 $2,680 $2,479
State Farm $1,706 $1,810 $1,904
Travelers $3,001 $3,098 $3,060
USAA $1,647 $1,704 $1,772

Emmett, ID Car Insurance Rates by Age, Gender, and Marital Status

Emmett, Idaho car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Emmett, ID car insurance, get quotes from multiple car insurance companies in the Emmett area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Emmett, 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 $2,211 $2,195 $1,932 $2,002 $8,192 $9,479 $2,457 $2,591
American Family $2,088 $2,088 $1,859 $1,859 $7,355 $9,596 $2,088 $2,629
Farmers $1,505 $1,495 $1,326 $1,406 $7,398 $7,662 $1,729 $1,815
GEICO $1,825 $1,801 $1,736 $1,686 $3,966 $4,926 $2,500 $1,906
Liberty Mutual $1,313 $1,417 $1,067 $1,192 $4,165 $4,634 $1,390 $1,466
Nationwide $1,712 $1,745 $1,550 $1,639 $4,305 $5,268 $2,016 $2,166
State Farm $1,108 $1,108 $1,000 $1,000 $3,337 $4,200 $1,251 $1,448
Travelers $1,285 $1,305 $1,293 $1,287 $6,326 $10,002 $1,365 $1,561
USAA $1,002 $995 $987 $971 $3,279 $3,679 $1,326 $1,423

Emmett, ID Car Insurance Rates for Teens

How much is Emmett, Idaho car insurance for teens? Compare rates from top Emmett car insurance companies below to help find the cheapest teen car insurance in Emmett, ID.

Annual Car Insurance Rates for Teen Drivers in Emmett, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,192 $9,479
American Family $7,355 $9,596
Farmers $7,398 $7,662
GEICO $3,966 $4,926
Liberty Mutual $4,165 $4,634
Nationwide $4,305 $5,268
State Farm $3,337 $4,200
Travelers $6,326 $10,002
USAA $3,279 $3,679

Emmett, ID Car Insurance Rates for Seniors

Before seniors buy Emmett, Idaho car insurance, they should make sure to shop around. Some Emmett, ID car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Emmett, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,932 $2,002
American Family $1,859 $1,859
Farmers $1,326 $1,406
GEICO $1,736 $1,686
Liberty Mutual $1,067 $1,192
Nationwide $1,550 $1,639
State Farm $1,000 $1,000
Travelers $1,293 $1,287
USAA $987 $971

Emmett, ID Car Insurance Rates by Credit History

How does your credit history affect Emmett, ID car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Emmett, Idaho

Insurance Company Poor Fair Good
Allstate $5,123 $3,482 $3,043
American Family $4,776 $3,404 $2,905
Farmers $3,426 $2,915 $2,785
GEICO $3,091 $2,469 $2,069
Liberty Mutual $2,963 $1,828 $1,452
Nationwide $3,033 $2,462 $2,156
State Farm $2,537 $1,605 $1,278
Travelers $3,495 $2,941 $2,723
USAA $2,477 $1,462 $1,184

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Emmett, ID Car Insurance Rates by Driver History

How does a single speeding ticket affect your Emmett, Idaho car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Emmett.

Annual Emmett, Idaho Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,197 $4,026 $4,507 $3,799
American Family $2,917 $4,122 $4,444 $3,299
Farmers $2,651 $3,363 $3,158 $2,995
GEICO $1,571 $2,496 $3,472 $2,633
Liberty Mutual $1,731 $2,165 $2,233 $2,194
Nationwide $1,967 $2,531 $3,503 $2,200
State Farm $1,646 $1,967 $1,807 $1,807
Travelers $1,886 $2,682 $4,644 $2,999
USAA $1,227 $1,751 $2,368 $1,485

Emmett, ID Car Insurance Rates With a DUI

Even a single DUI can increase your Emmett, ID car insurance rates. Compare rates below to see which Emmett car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Emmett, Idaho

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,507
American Family $4,444
Farmers $3,158
GEICO $3,472
Liberty Mutual $2,233
Nationwide $3,503
State Farm $1,807
Travelers $4,644
USAA $2,368

Emmett, ID Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Emmett, ID car insurance rates may be. Let’s take a look at average car insurance rates from top Emmett companies based on commute time.

Annual Car Insurance Rates by Commute Length in Emmett, Idaho

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,882 $3,882
American Family $3,619 $3,771
Farmers $3,042 $3,042
GEICO $2,500 $2,586
Liberty Mutual $2,081 $2,081
Nationwide $2,550 $2,550
State Farm $1,764 $1,850
Travelers $3,053 $3,053
USAA $1,687 $1,728

Emmett, ID Cheapest Car Insurance Rates

How do the top Emmett, Idaho car insurance companies’ average rates stack up against the Emmett average monthly car insurance rates of $226? Take a look and see.

Best Annual Car Insurance Rates by Company in Emmett, 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

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Emmett, ID Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Emmett, Idaho car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Emmett, Idaho

Insurance Company Average Annual Rates
Allstate $3,882
American Family $3,695
Farmers $3,042
GEICO $2,543
Liberty Mutual $2,081
Nationwide $2,550
State Farm $1,807
Travelers $3,053
USAA $1,708

Other Factors Affecting Emmett, ID Car Insurance Rates

Before you buy Emmett, Idaho car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Emmett, ID Car Theft Rates

The car theft rate in Emmett, ID will affect your car insurance rates. FBI data shows that the annual car theft rate for Emmett, Idaho is 8 stolen cars.

Emmett, ID Commute Time

How does your Emmett, ID commute time compare with the average driver? In Emmett, the average commute is 27.1 minutes.

Emmett, ID Car Insurance Quotes

Compare Emmett, ID car insurance quotes from multiple companies by entering your ZIP code now.