Compare Moscow, ID Car Insurance Rates (2021)

Car insurance in Moscow, ID averages $242 a month. Moscow, Idaho car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Moscow car insurance rates, compare quotes from the top car insurance companies in Moscow, 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 Moscow is State Farm
  • Average car insurance rates in Moscow, ID are $2,901/year
  • Average car insurance rates in Moscow, ID after a DUI are $3,596/year

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

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

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

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

How do age, gender, and marital status affect Moscow, ID car insurance rates? Every Moscow, 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 Moscow, 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 $2,613 $2,595 $2,269 $2,350 $9,701 $11,247 $2,923 $3,105
American Family $1,995 $1,995 $1,774 $1,774 $7,113 $9,251 $1,995 $2,523
Farmers $1,664 $1,651 $1,470 $1,552 $7,947 $8,215 $1,922 $2,035
GEICO $1,943 $1,918 $1,849 $1,795 $4,156 $5,172 $2,634 $2,030
Liberty Mutual $1,374 $1,480 $1,111 $1,239 $4,505 $5,004 $1,459 $1,542
Nationwide $1,812 $1,855 $1,636 $1,735 $4,455 $5,492 $2,122 $2,284
State Farm $1,130 $1,130 $1,021 $1,021 $3,405 $4,288 $1,276 $1,474
Travelers $1,362 $1,383 $1,376 $1,369 $6,826 $10,815 $1,450 $1,650
USAA $1,135 $1,134 $1,104 $1,087 $3,773 $4,216 $1,506 $1,624

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Minimum Car Insurance in Moscow, ID

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

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

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

Annual Car Insurance Rates by Credit Score in Moscow, Idaho

Insurance Company Poor Fair Good
Allstate $6,077 $4,127 $3,598
American Family $4,589 $3,273 $2,796
Farmers $3,735 $3,163 $3,023
GEICO $3,267 $2,608 $2,186
Liberty Mutual $3,154 $1,947 $1,542
Nationwide $3,192 $2,575 $2,255
State Farm $2,589 $1,637 $1,304
Travelers $3,751 $3,160 $2,926
USAA $2,849 $1,658 $1,334

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

Annual Moscow, Idaho Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,781 $4,758 $5,358 $4,506
American Family $2,795 $3,962 $4,282 $3,170
Farmers $2,891 $3,656 $3,416 $3,264
GEICO $1,652 $2,633 $3,679 $2,784
Liberty Mutual $1,840 $2,305 $2,373 $2,338
Nationwide $2,046 $2,652 $3,700 $2,297
State Farm $1,679 $2,007 $1,843 $1,843
Travelers $2,016 $2,878 $4,998 $3,223
USAA $1,395 $1,992 $2,710 $1,692

Cheapest Moscow, ID Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Moscow, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,701 $11,247
American Family $7,113 $9,251
Farmers $7,947 $8,215
GEICO $4,156 $5,172
Liberty Mutual $4,505 $5,004
Nationwide $4,455 $5,492
State Farm $3,405 $4,288
Travelers $6,826 $10,815
USAA $3,773 $4,216

Cheapest Moscow, ID Car Insurance for Seniors

Take a look at Moscow, 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 Moscow, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,269 $2,350
American Family $1,774 $1,774
Farmers $1,470 $1,552
GEICO $1,849 $1,795
Liberty Mutual $1,111 $1,239
Nationwide $1,636 $1,735
State Farm $1,021 $1,021
Travelers $1,376 $1,369
USAA $1,104 $1,087

Cheapest Moscow, ID Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Moscow, Idaho

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,358
American Family $4,282
Farmers $3,416
GEICO $3,679
Liberty Mutual $2,373
Nationwide $3,700
State Farm $1,843
Travelers $4,998
USAA $2,710

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Cheapest Moscow, ID Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Moscow, Idaho

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,600 $4,600
American Family $3,480 $3,625
Farmers $3,307 $3,307
GEICO $2,641 $2,733
Liberty Mutual $2,214 $2,214
Nationwide $2,674 $2,674
State Farm $1,799 $1,887
Travelers $3,279 $3,279
USAA $1,924 $1,970

Cheapest Moscow, ID Car Insurance Rates by ZIP Code

Moscow car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Moscow, ID.

Annual Car Insurance Rates by ZIP Code in Moscow, Idaho

ZIP Code Average Annual Rates
83843 $2,892
83844 $2,909

The Best Cheap Car Insurance Companies in Moscow, ID

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

Average Annual Car Insurance Rates by Company in Moscow, Idaho

Insurance Company Average Annual Rates
Allstate $4,600
American Family $3,553
Farmers $3,307
GEICO $2,687
Liberty Mutual $2,214
Nationwide $2,674
State Farm $1,843
Travelers $3,279
USAA $1,947

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Category Winners: Cheapest Car Insurance in Moscow, Idaho

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

Best Annual Car Insurance Rates by Company in Moscow, Idaho

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

Cheapest Moscow, ID Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Moscow, Idaho

Insurance Company Low Medium High
Allstate $4,461 $4,593 $4,747
American Family $3,560 $3,729 $3,369
Farmers $3,161 $3,274 $3,486
GEICO $2,548 $2,683 $2,830
Liberty Mutual $2,099 $2,211 $2,333
Nationwide $2,637 $2,808 $2,576
State Farm $1,738 $1,847 $1,944
Travelers $3,220 $3,328 $3,289
USAA $1,895 $1,945 $2,002

What affects car insurance rates in Moscow, Idaho?

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

Car Theft in Moscow

High levels of vehicle theft can make car insurance more expensive. Moscow, ID car theft statistics from the FBI indicate 11 vehicle thefts a year.

Commute Time in Moscow

The more time you spend in your car the higher the risk of an accident. The average commute length in Moscow, ID is 15.0 minutes according to City-Data.

Traffic in Moscow

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Moscow, ID traffic data from INRIX ranks Moscow as the 4th-most congested in the world.

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Compare Car Insurance Quotes in Moscow, ID

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

Free Car Insurance Comparison

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

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