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 cheapest car insurance company in Mountain Home after a DUI is State Farm
  • Average car insurance rates in Mountain Home, ID are $221/month
  • The annual number of car thefts in Mountain Home is 21.

Average car insurance rates in Mountain Home, Idaho are $221 a month. But with a little research you can get a great deal from the top car insurance companies in Mountain Home, ID. Before you buy Mountain Home, Idaho car insurance, make sure your coverage meets or exceeds the Idaho minimum of 25/50/15.

It may even be helpful to compare Mountain Home car insurance rates with Coeur d’Alene car insurance rates, Post Falls car insurance rates, or Meridian car insurance rates to make sure you’re getting the best Mountain Home, ID car insurance quotes available.

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

Mountain Home, ID Minimum Car Insurance Coverage

Mountain Home, 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 Mountain Home, 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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Mountain Home, ID Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Mountain Home, Idaho

Insurance Company Low Medium High
Allstate $3,655 $3,802 $3,973
American Family $3,705 $3,879 $3,502
Farmers $2,880 $3,004 $3,241
GEICO $1,973 $2,094 $2,227
Liberty Mutual $2,141 $2,249 $2,367
Nationwide $2,732 $2,912 $2,669
State Farm $1,741 $1,839 $1,928
Travelers $2,850 $2,954 $2,930
USAA $1,364 $1,404 $1,452

Mountain Home, ID Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Mountain Home, 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 $2,142 $2,118 $1,881 $1,946 $8,116 $9,420 $2,366 $2,492
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 $1,508 $1,488 $1,434 $1,393 $3,265 $4,057 $2,061 $1,575
Liberty Mutual $1,426 $1,538 $1,158 $1,290 $4,493 $4,992 $1,515 $1,606
Nationwide $1,886 $1,932 $1,699 $1,806 $4,597 $5,674 $2,203 $2,374
State Farm $1,138 $1,138 $1,022 $1,022 $3,366 $4,237 $1,283 $1,485
Travelers $1,233 $1,253 $1,233 $1,230 $6,003 $9,535 $1,305 $1,498
USAA $830 $828 $811 $800 $2,696 $3,017 $1,095 $1,178

Mountain Home, ID Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Mountain Home, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,116 $9,420
American Family $7,355 $9,596
Farmers $7,398 $7,662
GEICO $3,265 $4,057
Liberty Mutual $4,493 $4,992
Nationwide $4,597 $5,674
State Farm $3,366 $4,237
Travelers $6,003 $9,535
USAA $2,696 $3,017

Mountain Home, ID Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Mountain Home, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,881 $1,946
American Family $1,859 $1,859
Farmers $1,326 $1,406
GEICO $1,434 $1,393
Liberty Mutual $1,158 $1,290
Nationwide $1,699 $1,806
State Farm $1,022 $1,022
Travelers $1,233 $1,230
USAA $811 $800

Mountain Home, ID Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Mountain Home, Idaho

Insurance Company Poor Fair Good
Allstate $5,024 $3,419 $2,986
American Family $4,776 $3,404 $2,905
Farmers $3,426 $2,915 $2,785
GEICO $2,550 $2,037 $1,707
Liberty Mutual $3,217 $1,974 $1,565
Nationwide $3,312 $2,666 $2,336
State Farm $2,579 $1,631 $1,299
Travelers $3,334 $2,804 $2,596
USAA $2,048 $1,202 $971

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Mountain Home, ID Car Insurance Rates by Driver History

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

Annual Mountain Home, Idaho Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,123 $3,941 $4,446 $3,731
American Family $2,917 $4,122 $4,444 $3,299
Farmers $2,651 $3,363 $3,158 $2,995
GEICO $1,295 $2,058 $2,866 $2,172
Liberty Mutual $1,871 $2,340 $2,420 $2,378
Nationwide $2,113 $2,748 $3,848 $2,377
State Farm $1,677 $1,996 $1,836 $1,836
Travelers $1,809 $2,562 $4,410 $2,864
USAA $1,013 $1,440 $1,950 $1,225

Mountain Home, ID Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Mountain Home, Idaho

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,446
American Family $4,444
Farmers $3,158
GEICO $2,866
Liberty Mutual $2,420
Nationwide $3,848
State Farm $1,836
Travelers $4,410
USAA $1,950

Mountain Home, ID Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Mountain Home, Idaho

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,810 $3,810
American Family $3,619 $3,771
Farmers $3,042 $3,042
GEICO $2,062 $2,134
Liberty Mutual $2,252 $2,252
Nationwide $2,771 $2,771
State Farm $1,793 $1,880
Travelers $2,911 $2,911
USAA $1,390 $1,424

Mountain Home, ID Cheapest Car Insurance Rates

How do the top Mountain Home, Idaho car insurance companies’ average rates stack up against the Mountain Home average monthly car insurance rates of $221? Take a look and see.

Best Annual Car Insurance Rates by Company in Mountain Home, 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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Mountain Home, ID Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Mountain Home, Idaho

Insurance Company Average Annual Rates
Allstate $3,810
American Family $3,695
Farmers $3,042
GEICO $2,098
Liberty Mutual $2,252
Nationwide $2,771
State Farm $1,836
Travelers $2,911
USAA $1,407

Other Factors Affecting Mountain Home, ID Car Insurance Rates

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

Mountain Home, ID Car Theft Rates

The car theft rate in Mountain Home, ID will affect your car insurance rates. FBI data shows that the annual car theft rate for Mountain Home, Idaho is 21 stolen cars.

Mountain Home, ID Commute Time

How does your Mountain Home, ID commute time compare with the average driver? In Mountain Home, the average commute is 8.3 minutes.

Mountain Home, ID Car Insurance Quotes

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