Compare Gooding, ID Car Insurance Rates (2021)

Car insurance in Gooding, ID averages $232 a month. Gooding, Idaho car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Gooding car insurance rates, compare quotes from the top car insurance companies in Gooding, 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 Gooding is USAA
  • The cheapest car insurance company in Gooding for teen drivers is USAA
  • Average car insurance rates in Gooding, ID are $2,790/year

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

You’ll find Gooding car insurance rates, the cheapest Gooding, ID car insurance companies, and information on Idaho car insurance laws. You can also compare Gooding, Idaho car insurance rates to Nampa car insurance rates, Boise City car insurance rates, and Caldwell car insurance rates.

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

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

How do age, gender, and marital status affect Gooding, ID car insurance rates? Every Gooding, 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 Gooding, 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 $2,237 $2,225 $1,949 $2,020 $8,164 $9,435 $2,497 $2,640
American Family $2,233 $2,233 $1,982 $1,982 $8,024 $10,423 $2,233 $2,802
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 $1,308 $1,410 $1,060 $1,184 $4,175 $4,644 $1,386 $1,464
Nationwide $1,693 $1,730 $1,531 $1,622 $4,180 $5,135 $1,984 $2,134
State Farm $1,094 $1,094 $990 $990 $3,301 $4,160 $1,235 $1,426
Travelers $1,390 $1,412 $1,402 $1,393 $6,855 $10,806 $1,478 $1,694
USAA $1,025 $1,023 $1,003 $989 $3,348 $3,751 $1,358 $1,463

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Minimum Car Insurance in Gooding, ID

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

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

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

Annual Car Insurance Rates by Credit Score in Gooding, Idaho

Insurance Company Poor Fair Good
Allstate $5,140 $3,494 $3,053
American Family $5,151 $3,677 $3,140
Farmers $3,416 $2,899 $2,770
GEICO $3,377 $2,696 $2,260
Liberty Mutual $2,960 $1,826 $1,451
Nationwide $2,980 $2,411 $2,112
State Farm $2,509 $1,587 $1,264
Travelers $3,784 $3,182 $2,945
USAA $2,546 $1,488 $1,201

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

Annual Gooding, Idaho Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,216 $4,040 $4,514 $3,813
American Family $3,139 $4,448 $4,809 $3,561
Farmers $2,643 $3,349 $3,138 $2,984
GEICO $1,704 $2,720 $3,808 $2,879
Liberty Mutual $1,729 $2,163 $2,230 $2,193
Nationwide $1,922 $2,481 $3,448 $2,153
State Farm $1,627 $1,946 $1,786 $1,786
Travelers $2,032 $2,896 $5,044 $3,243
USAA $1,254 $1,786 $2,422 $1,518

Cheapest Gooding, ID Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Gooding, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,164 $9,435
American Family $8,024 $10,423
Farmers $7,333 $7,580
GEICO $4,278 $5,328
Liberty Mutual $4,175 $4,644
Nationwide $4,180 $5,135
State Farm $3,301 $4,160
Travelers $6,855 $10,806
USAA $3,348 $3,751

Cheapest Gooding, ID Car Insurance for Seniors

Take a look at Gooding, 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 Gooding, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,949 $2,020
American Family $1,982 $1,982
Farmers $1,332 $1,411
GEICO $1,919 $1,863
Liberty Mutual $1,060 $1,184
Nationwide $1,531 $1,622
State Farm $990 $990
Travelers $1,402 $1,393
USAA $1,003 $989

Cheapest Gooding, ID Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Gooding, Idaho

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,514
American Family $4,809
Farmers $3,138
GEICO $3,808
Liberty Mutual $2,230
Nationwide $3,448
State Farm $1,786
Travelers $5,044
USAA $2,422

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Cheapest Gooding, ID Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Gooding, Idaho

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,896 $3,896
American Family $3,907 $4,072
Farmers $3,028 $3,028
GEICO $2,730 $2,825
Liberty Mutual $2,079 $2,079
Nationwide $2,501 $2,501
State Farm $1,743 $1,829
Travelers $3,304 $3,304
USAA $1,724 $1,766

The Best Cheap Car Insurance Companies in Gooding, ID

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

Average Annual Car Insurance Rates by Company in Gooding, Idaho

Insurance Company Average Annual Rates
Allstate $3,896
American Family $3,989
Farmers $3,028
GEICO $2,778
Liberty Mutual $2,079
Nationwide $2,501
State Farm $1,786
Travelers $3,304
USAA $1,745

Category Winners: Cheapest Car Insurance in Gooding, Idaho

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

Best Annual Car Insurance Rates by Company in Gooding, Idaho

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

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Cheapest Gooding, ID Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Gooding, Idaho

Insurance Company Low Medium High
Allstate $3,748 $3,888 $4,051
American Family $3,984 $4,188 $3,796
Farmers $2,877 $2,994 $3,215
GEICO $2,640 $2,773 $2,920
Liberty Mutual $1,962 $2,076 $2,199
Nationwide $2,455 $2,627 $2,422
State Farm $1,681 $1,790 $1,887
Travelers $3,254 $3,352 $3,305
USAA $1,692 $1,742 $1,801

What affects car insurance rates in Gooding, Idaho?

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

Car Theft in Gooding

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

Commute Time in Gooding

The more time you spend in your car the higher the risk of an accident. The average commute length in Gooding, ID is 20.8 minutes according to City-Data.

Compare Car Insurance Quotes in Gooding, ID

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

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