Compare Bern, ID Car Insurance Rates (2021)

Car insurance in Bern, ID averages $237 a month. Bern, Idaho car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Bern car insurance rates, compare quotes from the top car insurance companies in Bern, ID.

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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: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Bern is State Farm
  • Average car insurance rates in Bern, ID are $2,850/year
  • The cheapest car insurance company in Bern for teen drivers is State Farm

If you need to buy Bern, Idaho car insurance, the options can be confusing. Everything you need to know about car insurance in Bern, ID is right here.

You’ll find Bern car insurance rates, the cheapest Bern, ID car insurance companies, and information on Idaho car insurance laws. You can also compare Bern, Idaho car insurance rates to Lewiston car insurance rates, Caldwell car insurance rates, and Post Falls car insurance rates.

Ready to find affordable Bern, ID car insurance today? Enter your ZIP code for fast, free Bern car insurance quotes.

Cheapest Bern, ID Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Bern, ID car insurance rates? Every Bern, Idaho car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bern, 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 $2,364 $2,359 $2,049 $2,126 $8,456 $9,747 $2,656 $2,814
American Family $2,088 $2,088 $1,859 $1,859 $7,355 $9,596 $2,088 $2,629
Farmers $1,616 $1,607 $1,426 $1,507 $7,794 $8,074 $1,862 $1,966
GEICO $2,016 $1,991 $1,919 $1,863 $4,278 $5,328 $2,718 $2,106
Liberty Mutual $1,462 $1,578 $1,191 $1,330 $4,420 $4,917 $1,552 $1,646
Nationwide $1,798 $1,843 $1,621 $1,723 $4,347 $5,363 $2,096 $2,258
State Farm $1,093 $1,093 $978 $978 $3,174 $4,001 $1,231 $1,421
Travelers $1,419 $1,441 $1,426 $1,419 $6,973 $10,999 $1,508 $1,733
USAA $1,100 $1,103 $1,070 $1,059 $3,565 $3,999 $1,458 $1,579

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Minimum Car Insurance in Bern, ID

Every driver must carry the minimum car insurance in Bern, ID. Take a look at the Idaho car insurance requirements.

Minimum Required Car Insurance Coverage in Bern, 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

Cheapest Bern, ID Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Bern, ID. Compare credit history car insurance rates in Bern from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Bern, Idaho

Insurance Company Poor Fair Good
Allstate $5,376 $3,649 $3,189
American Family $4,776 $3,404 $2,905
Farmers $3,645 $3,093 $2,956
GEICO $3,377 $2,696 $2,260
Liberty Mutual $3,235 $1,978 $1,573
Nationwide $3,144 $2,530 $2,219
State Farm $2,451 $1,551 $1,235
Travelers $3,855 $3,241 $2,999
USAA $2,742 $1,585 $1,273

Cheapest Bern, ID Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Bern, ID to rates for a clean record with top companies.

Annual Bern, Idaho Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,375 $4,229 $4,698 $3,984
American Family $2,917 $4,122 $4,444 $3,299
Farmers $2,822 $3,571 $3,347 $3,188
GEICO $1,704 $2,720 $3,808 $2,879
Liberty Mutual $1,880 $2,347 $2,435 $2,385
Nationwide $2,008 $2,609 $3,651 $2,257
State Farm $1,598 $1,893 $1,746 $1,746
Travelers $2,075 $2,952 $5,131 $3,302
USAA $1,341 $1,908 $2,595 $1,623

Cheapest Bern, ID Car Insurance for Teen Drivers

Teen car insurance in Bern, ID can be expensive. Take a look at rates from the top car insurance companies in Bern for teenagers.

Annual Car Insurance Rates for Teen Drivers in Bern, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,456 $9,747
American Family $7,355 $9,596
Farmers $7,794 $8,074
GEICO $4,278 $5,328
Liberty Mutual $4,420 $4,917
Nationwide $4,347 $5,363
State Farm $3,174 $4,001
Travelers $6,973 $10,999
USAA $3,565 $3,999

Cheapest Bern, ID Car Insurance for Seniors

Take a look at Bern, ID senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Bern, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,049 $2,126
American Family $1,859 $1,859
Farmers $1,426 $1,507
GEICO $1,919 $1,863
Liberty Mutual $1,191 $1,330
Nationwide $1,621 $1,723
State Farm $978 $978
Travelers $1,426 $1,419
USAA $1,070 $1,059

Cheapest Bern, ID Car Insurance Rates After a DUI

A DUI in Bern, ID increases car insurance rates. Compare Bern, Idaho DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Bern, Idaho

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,698
American Family $4,444
Farmers $3,347
GEICO $3,808
Liberty Mutual $2,435
Nationwide $3,651
State Farm $1,746
Travelers $5,131
USAA $2,595

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Cheapest Bern, ID Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Bern, ID by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Bern, Idaho

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,071 $4,071
American Family $3,619 $3,771
Farmers $3,232 $3,232
GEICO $2,730 $2,825
Liberty Mutual $2,262 $2,262
Nationwide $2,631 $2,631
State Farm $1,705 $1,787
Travelers $3,365 $3,365
USAA $1,844 $1,889

The Best Cheap Car Insurance Companies in Bern, ID

Take a look at a side-by-side comparison of the top car insurance companies in Bern, ID to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Bern, Idaho

Insurance Company Average Annual Rates
Allstate $4,071
American Family $3,695
Farmers $3,232
GEICO $2,778
Liberty Mutual $2,262
Nationwide $2,631
State Farm $1,746
Travelers $3,365
USAA $1,867

Category Winners: Cheapest Car Insurance in Bern, Idaho

Find the cheapest car insurance companies in Bern, ID for each category right here.

Best Annual Car Insurance Rates by Company in Bern, Idaho

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Bern, ID Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Bern car insurance rates. Find the cheapest Bern, ID car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Bern, Idaho

Insurance Company Low Medium High
Allstate $3,924 $4,064 $4,227
American Family $3,705 $3,879 $3,502
Farmers $3,076 $3,195 $3,424
GEICO $2,640 $2,773 $2,920
Liberty Mutual $2,147 $2,258 $2,380
Nationwide $2,595 $2,764 $2,534
State Farm $1,658 $1,748 $1,832
Travelers $3,317 $3,414 $3,363
USAA $1,817 $1,864 $1,920

What affects car insurance rates in Bern, Idaho?

What factors can have an impact on Bern, ID car insurance? There are several reasons why Bern car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bern, Idaho.

Traffic in Bern

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Bern, ID traffic data from INRIX ranks Bern as the 189th-most congested in the world.

Compare Car Insurance Quotes in Bern, ID

Ready to find affordable Bern, Idaho car insurance today? Enter your ZIP code for fast, free Bern, ID car insurance quotes.

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

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