The Cheapest Car Insurance Rates

Idaho has the cheapest car insurance rates in the US, with averages rates of $56.66/mo. Many factors affect your rates, including your gender, credit score, and where you live.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 25, 2020

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

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Here's what you need to know...

  • There are several personal factors that influence your car insurance rates
  • Your gender, where you live, and your driving history all affect how much you will pay for coverage
  • If you complete a defensive driving course, your insurance rates may be lowered


Rates that are the cheapest for car insurance are based on a variety of factors. By understanding these factors and changing the ones you have control over, you can find an affordable coverage at the rate you need.

It’s a good idea to see what car insurance companies are looking for in order to be better prepared to find the best rates available.

To find car insurance rates from multiple providers, enter your zip code above!

Car Insurance Rates Are Based on Personal Facts

Take a look at the factors that will impact the auto insurance rate quotes you receive:

  • Your gender – Rates are typically higher for male drivers until the age of 25. Although you can’t change this factor, you can list a female driver in the family that is over 25 as the primary policyholder and any subsequent male drivers under the age of 25 can be listed as additional drivers, which may lower your rates.
  • Where you live – When giving you a car insurance quote, the company will check your address against crime information, and if you live in what is considered a higher crime area, your rates will go up slightly. This is something to take into consideration when purchasing a home. Idaho has the cheapest car insurance rates in the US, with averages rates of $56.66/mo.
  • Your Driving history – Each time you receive a ticket, are involved in an accident, or are arrested for a driving related matter, your risk level goes up. The higher your risk level, the more costly your car insurance policy will be.

When looking for cheap car insurance rates, if the insurance company sees that you have tried to rectify your driving record, they will lower your rates. Ways to rectify your driving record include:

Defensive driving courses are offered in many different places throughout a community. By simply taking and completing a course like this, you can remove points from your license and lower your at-risk driver status.

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Car Insurance Rates are Based on Vehicle Type

When you go to purchase a vehicle, you may be thinking of convenience, gas mileage, or your dream car. But you should also be thinking about your car insurance.

Certain makes and models of cars will automatically increase your insurance rates.

For example, red vehicles are statistically in more accidents than any other color vehicle. Some people say this is due to the fact that there are more red vehicles being driven. But, as far as the insurance company is concerned, red vehicles are more at risk than other colors.

Also considered more of a risk — and thus more costly to insure — are sports cars and sports utility vehicles.

Sports car insurance rates are higher because these vehicles are statistically involved in more incidents of speeding while sports utility vehicles are typically involved in more accidents involving fatalities.

Car Insurance Rates are Based on Insurance History

When evaluating your insurance needs and the rate to assign to you, insurance companies will look at your insurance history. This means that they will look to see if you have had credible, continual coverage since you began driving. Most insurance companies will look back at least five years.

When looking over your insurance history, insurance companies review any time without coverage including incidents coverage lapses due to lack of payment or too many claims filed.

Insurance companies like to know that you are going to pay on time and keep your coverage with them for an extended period of time. If you don’t have a continual, positive insurance history, you will be considered more at-risk and you will not receive a cheap insurance rate.

Don’t go another day without car insurance simply because you think you can’t afford the coverage that you need. There are many affordable policies and many things you can do to change the factors that affect car insurance rates.

To find the cheapest car insurance quotes from multiple companies, enter your zip code below!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Average Monthly Car Insurance Rates by State