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

  • The annual number of car thefts in Moscow is 11.
  • Average car insurance rates in Moscow, ID are $242/month
  • The cheapest car insurance company in Moscow after a DUI is State Farm

Average car insurance rates in Moscow, Idaho are $242 a month. But with a little research you can get a great deal from the top car insurance companies in Moscow, ID. Before you buy Moscow, Idaho car insurance, make sure your coverage meets or exceeds the Idaho minimum of 25/50/15.

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

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

Moscow, ID Minimum Car Insurance Coverage

Moscow, 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 Moscow, 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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Moscow, ID Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Moscow, Idaho

Insurance Company Low Medium High
Allstate $4,461 $4,593 $4,747
American Family $3,560 $3,729 $3,369
Farmers $3,161 $3,274 $3,486
GEICO $2,548 $2,683 $2,830
Liberty Mutual $2,099 $2,211 $2,333
Nationwide $2,637 $2,808 $2,576
State Farm $1,738 $1,847 $1,944
Travelers $3,220 $3,328 $3,289
USAA $1,895 $1,945 $2,002

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Moscow, 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 $2,613 $2,595 $2,269 $2,350 $9,701 $11,247 $2,923 $3,105
American Family $1,995 $1,995 $1,774 $1,774 $7,113 $9,251 $1,995 $2,523
Farmers $1,664 $1,651 $1,470 $1,552 $7,947 $8,215 $1,922 $2,035
GEICO $1,943 $1,918 $1,849 $1,795 $4,156 $5,172 $2,634 $2,030
Liberty Mutual $1,374 $1,480 $1,111 $1,239 $4,505 $5,004 $1,459 $1,542
Nationwide $1,812 $1,855 $1,636 $1,735 $4,455 $5,492 $2,122 $2,284
State Farm $1,130 $1,130 $1,021 $1,021 $3,405 $4,288 $1,276 $1,474
Travelers $1,362 $1,383 $1,376 $1,369 $6,826 $10,815 $1,450 $1,650
USAA $1,135 $1,134 $1,104 $1,087 $3,773 $4,216 $1,506 $1,624

Moscow, ID Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Moscow, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,701 $11,247
American Family $7,113 $9,251
Farmers $7,947 $8,215
GEICO $4,156 $5,172
Liberty Mutual $4,505 $5,004
Nationwide $4,455 $5,492
State Farm $3,405 $4,288
Travelers $6,826 $10,815
USAA $3,773 $4,216

Moscow, ID Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Moscow, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,269 $2,350
American Family $1,774 $1,774
Farmers $1,470 $1,552
GEICO $1,849 $1,795
Liberty Mutual $1,111 $1,239
Nationwide $1,636 $1,735
State Farm $1,021 $1,021
Travelers $1,376 $1,369
USAA $1,104 $1,087

Moscow, ID Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Moscow, Idaho

Insurance Company Poor Fair Good
Allstate $6,077 $4,127 $3,598
American Family $4,589 $3,273 $2,796
Farmers $3,735 $3,163 $3,023
GEICO $3,267 $2,608 $2,186
Liberty Mutual $3,154 $1,947 $1,542
Nationwide $3,192 $2,575 $2,255
State Farm $2,589 $1,637 $1,304
Travelers $3,751 $3,160 $2,926
USAA $2,849 $1,658 $1,334

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Moscow, ID Car Insurance Rates by Driver History

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

Annual Moscow, Idaho Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,781 $4,758 $5,358 $4,506
American Family $2,795 $3,962 $4,282 $3,170
Farmers $2,891 $3,656 $3,416 $3,264
GEICO $1,652 $2,633 $3,679 $2,784
Liberty Mutual $1,840 $2,305 $2,373 $2,338
Nationwide $2,046 $2,652 $3,700 $2,297
State Farm $1,679 $2,007 $1,843 $1,843
Travelers $2,016 $2,878 $4,998 $3,223
USAA $1,395 $1,992 $2,710 $1,692

Moscow, ID Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Moscow, Idaho

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,358
American Family $4,282
Farmers $3,416
GEICO $3,679
Liberty Mutual $2,373
Nationwide $3,700
State Farm $1,843
Travelers $4,998
USAA $2,710

Moscow, ID Car Insurance Rates by ZIP Code

Just like Moscow car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Moscow, ID car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Moscow, Idaho

ZIP Code Average Annual Rates
83843 $2,892
83844 $2,909

Moscow, ID Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Moscow, Idaho

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,600 $4,600
American Family $3,480 $3,625
Farmers $3,307 $3,307
GEICO $2,641 $2,733
Liberty Mutual $2,214 $2,214
Nationwide $2,674 $2,674
State Farm $1,799 $1,887
Travelers $3,279 $3,279
USAA $1,924 $1,970

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Moscow, ID Cheapest Car Insurance Rates

How do the top Moscow, Idaho car insurance companies’ average rates stack up against the Moscow average monthly car insurance rates of $242? Take a look and see.

Best Annual Car Insurance Rates by Company in Moscow, 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

Moscow, ID Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Moscow, Idaho

Insurance Company Average Annual Rates
Allstate $4,600
American Family $3,553
Farmers $3,307
GEICO $2,687
Liberty Mutual $2,214
Nationwide $2,674
State Farm $1,843
Travelers $3,279
USAA $1,947

Other Factors Affecting Moscow, ID Car Insurance Rates

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

Moscow, ID Car Theft Rates

The car theft rate in Moscow, ID will affect your car insurance rates. FBI data shows that the annual car theft rate for Moscow, Idaho is 11 stolen cars.

Moscow, ID Commute Time

How does your Moscow, ID commute time compare with the average driver? In Moscow, the average commute is 15.0 minutes.

Moscow, ID Traffic

Spending time in Moscow traffic can lead to higher car insurance rates. According to INRIX data, Moscow, ID ranks as the 4th-most congested with traffic in the world.

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Moscow, ID Car Insurance Quotes

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