Compare Fairfield, ID Car Insurance Rates (2021)

Car insurance in Fairfield, ID averages $235 a month. Fairfield, Idaho car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Fairfield car insurance rates, compare quotes from the top car insurance companies in Fairfield, 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

  • Average car insurance rates in Fairfield, ID are $2,824/year
  • Average car insurance rates in Fairfield, ID after a DUI are $3,507/year
  • The cheapest car insurance company in Fairfield is USAA

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

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

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

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

How do age, gender, and marital status affect Fairfield, ID car insurance rates? Every Fairfield, 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 Fairfield, 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 $2,322 $2,311 $2,018 $2,092 $8,448 $9,761 $2,597 $2,749
American Family $2,088 $2,088 $1,859 $1,859 $7,355 $9,596 $2,088 $2,629
Farmers $1,509 $1,498 $1,332 $1,411 $7,333 $7,580 $1,737 $1,827
GEICO $2,016 $1,991 $1,919 $1,863 $4,278 $5,328 $2,718 $2,106
Liberty Mutual $1,426 $1,538 $1,158 $1,290 $4,493 $4,992 $1,515 $1,606
Nationwide $1,836 $1,880 $1,655 $1,758 $4,505 $5,557 $2,148 $2,314
State Farm $1,170 $1,170 $1,053 $1,053 $3,486 $4,393 $1,320 $1,525
Travelers $1,384 $1,406 $1,394 $1,385 $6,794 $10,700 $1,471 $1,689
USAA $1,025 $1,023 $1,003 $989 $3,348 $3,751 $1,358 $1,463

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Minimum Car Insurance in Fairfield, ID

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

Minimum Required Car Insurance Coverage in Fairfield, 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 Fairfield, ID Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Fairfield, Idaho

Insurance Company Poor Fair Good
Allstate $5,329 $3,621 $3,163
American Family $4,776 $3,404 $2,905
Farmers $3,416 $2,899 $2,770
GEICO $3,377 $2,696 $2,260
Liberty Mutual $3,217 $1,974 $1,565
Nationwide $3,232 $2,606 $2,283
State Farm $2,664 $1,684 $1,341
Travelers $3,756 $3,157 $2,921
USAA $2,546 $1,488 $1,201

Cheapest Fairfield, 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 Fairfield, ID to rates for a clean record with top companies.

Annual Fairfield, Idaho Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,334 $4,187 $4,676 $3,952
American Family $2,917 $4,122 $4,444 $3,299
Farmers $2,643 $3,349 $3,138 $2,984
GEICO $1,704 $2,720 $3,808 $2,879
Liberty Mutual $1,871 $2,340 $2,420 $2,378
Nationwide $2,067 $2,684 $3,753 $2,323
State Farm $1,730 $2,062 $1,896 $1,896
Travelers $2,018 $2,873 $5,004 $3,216
USAA $1,254 $1,786 $2,422 $1,518

Cheapest Fairfield, ID Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Fairfield, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,448 $9,761
American Family $7,355 $9,596
Farmers $7,333 $7,580
GEICO $4,278 $5,328
Liberty Mutual $4,493 $4,992
Nationwide $4,505 $5,557
State Farm $3,486 $4,393
Travelers $6,794 $10,700
USAA $3,348 $3,751

Cheapest Fairfield, ID Car Insurance for Seniors

Take a look at Fairfield, 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 Fairfield, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,018 $2,092
American Family $1,859 $1,859
Farmers $1,332 $1,411
GEICO $1,919 $1,863
Liberty Mutual $1,158 $1,290
Nationwide $1,655 $1,758
State Farm $1,053 $1,053
Travelers $1,394 $1,385
USAA $1,003 $989

Cheapest Fairfield, ID Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Fairfield, Idaho

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,676
American Family $4,444
Farmers $3,138
GEICO $3,808
Liberty Mutual $2,420
Nationwide $3,753
State Farm $1,896
Travelers $5,004
USAA $2,422

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Cheapest Fairfield, ID Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Fairfield, Idaho

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,037 $4,037
American Family $3,619 $3,771
Farmers $3,028 $3,028
GEICO $2,730 $2,825
Liberty Mutual $2,252 $2,252
Nationwide $2,707 $2,707
State Farm $1,851 $1,942
Travelers $3,278 $3,278
USAA $1,724 $1,766

The Best Cheap Car Insurance Companies in Fairfield, ID

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

Average Annual Car Insurance Rates by Company in Fairfield, Idaho

Insurance Company Average Annual Rates
Allstate $4,037
American Family $3,695
Farmers $3,028
GEICO $2,778
Liberty Mutual $2,252
Nationwide $2,707
State Farm $1,896
Travelers $3,278
USAA $1,745

Category Winners: Cheapest Car Insurance in Fairfield, Idaho

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

Best Annual Car Insurance Rates by Company in Fairfield, 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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Cheapest Fairfield, ID Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Fairfield, Idaho

Insurance Company Low Medium High
Allstate $3,890 $4,030 $4,193
American Family $3,705 $3,879 $3,502
Farmers $2,877 $2,994 $3,215
GEICO $2,640 $2,773 $2,920
Liberty Mutual $2,141 $2,249 $2,367
Nationwide $2,672 $2,844 $2,604
State Farm $1,792 $1,900 $1,997
Travelers $3,230 $3,326 $3,278
USAA $1,692 $1,742 $1,801

What affects car insurance rates in Fairfield, Idaho?

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

Car Theft in Fairfield

High levels of vehicle theft can make car insurance more expensive. Fairfield, ID car theft statistics from the FBI indicate 3 vehicle thefts a year.

Commute Time in Fairfield

The more time you spend in your car the higher the risk of an accident. The average commute length in Fairfield, ID is 43.6 minutes according to City-Data.

Traffic in Fairfield

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Fairfield, ID traffic data from INRIX ranks Fairfield as the 658th-most congested in the world.

Compare Car Insurance Quotes in Fairfield, ID

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

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