Cheapest Car Insurance In Caldwell, ID 2025
At an average of $21 per month, State Farm is the most affordable provider of minimum coverage car insurance in Caldwell.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cheapest car insurance in Caldwell, ID, isn’t always easy to pinpoint since prices fluctuate.
State Farm provides the most affordable liability-only insurance, whereas State Farm offers the best full coverage rates. When it comes to young drivers, American National has the most budget-friendly prices.
Cheapest Car Insurance Companies In Caldwell, ID 2025
Cheapest Liability-only Car Insurance In Caldwell: State Farm
State Farm stands out as the most affordable provider of minimum coverage car insurance in Caldwell, with a $21 monthly average.
Review the table below to see how insurance providers differ in their pricing.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $21 | $252 |
| Farm Bureau | $36 | $432 |
| GEICO | $33 | $396 |
| American Family | $39 | $468 |
| Auto-Owners | $38 | $456 |
Cheapest Full Coverage Insurance Rates In Caldwell: State Farm
If you’re looking for the cheapest full coverage car insurance in Caldwell, State Farm is the top choice at just $58 per month.
The table below highlights average car insurance rates from cost-effective insurers in Caldwell.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $58 | $696 |
| American Family | $115 | $1,380 |
| GEICO | $102 | $1,224 |
| Auto-Owners | $112 | $1,344 |
| Travelers | $120 | $1,440 |
Cheapest Car Insurance Rates For Seniors: State Farm
At just $42 a month on average, State Farm has the lowest car insurance rates for seniors in Caldwell.
Check out the table below for a breakdown of average auto insurance quotes from the most affordable providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $42 | $504 |
| Auto-Owners | $44 | $528 |
| USAA | $45 | $540 |
| American National | $47 | $564 |
| Travelers | $58 | $696 |
Cheapest Rates In Caldwell For Teenagers: Auto-Owners
In Caldwell, teenage drivers can secure the lowest quotes from Auto-Owners, with a monthly average of $115.
The chart below displays the companies that provide the most budget-friendly insurance for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $115 | $1,380 |
| American Family | $201 | $2,412 |
| State Farm | $124 | $1,488 |
| USAA | $132 | $1,584 |
| American National | $117 | $1,404 |
Cheapest Auto Insurance For Young Adults in Caldwell: American National
With a monthly average of $69, American National provides the cheapest insurance for young adults in Caldwell.
Review the table below to compare Caldwell’s cheapest auto insurance rates for young drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National | $69 | $828 |
| Auto-Owners | $82 | $984 |
| State Farm | $85 | $1,020 |
| American Family | $71 | $852 |
| USAA | $77 | $924 |
Cheapest Car Insurance In Caldwell For Good Drivers: State Farm
At $21 per month, State Farm provides the most budget-friendly car insurance for good drivers in Caldwell.
If you’re a good driver, use the table below to compare average quotes from low-cost insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $21 | $252 |
| Farm Bureau | $36 | $432 |
| GEICO | $33 | $396 |
| American Family | $39 | $468 |
| Auto-Owners | $38 | $456 |
Find affordable Caldwell rates
Cheapest Car Insurance In Caldwell After A Speeding Ticket: Farm Bureau
If you’re in Caldwell and have a speeding ticket, Farm Bureau is one of the cheapest insurers, with rates averaging $105 a month.
The table below compares the typical rates for drivers who have a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farm Bureau | $105 | $1,260 |
| Auto-Owners | $111 | $1,332 |
| American Family | $137 | $1,644 |
| Farmers | $244 | $2,928 |
| Allsatte | $196 | $2,352 |
Cheapest For Drivers With After At-Fault Accident: State Farm
If you’ve had an at-fault accident, State Farm offers the lowest rates for car insurance, averaging $132 month.
The table below shows the car insurance providers offering the best rates for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $132 | $1,584 |
| Travelers | $155 | $1,860 |
| GEICO | $191 | $2,292 |
| Allstate | $273 | $3,276 |
| American Family | $215 | $2,580 |
Cheapest Rates In Caldwell For Drivers After A DUI: Travelers
Drivers in Caldwell with a DUI can secure affordable car insurance from Travelers, with average monthly rates of $160.
Caldwell drivers with a DUI can find the most affordable car insurance rates listed in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $160 | $1,920 |
| Farm Bureau | $230 | $2,760 |
| State Farm | $170 | $2,040 |
| American Family | $231 | $2,772 |
| Auto-Owners | $250 | $3,000 |
Best Car Insurance Companies In Caldwell
State Farm offers Caldwell’s cheapest insurance at $21 a month, while GEICO and Farm Bureau charge $33 and $36 a month, respectively.
Here are the top 10 auto insurance providers in Caldwell, ID, ranked by the average cost of their monthly premiums.
| Company | Monthly Premium |
| State Farm | $21 |
| Farm Bureau | $36 |
| GEICO | $33 |
| American Family | $39 |
| Auto-Owners | $38 |
| Travelers | $45 |
| Allstate | $70 |
| Farmers | $55 |
| USAA | $20 |
| Progressive | $62 |
Average Auto Insurance Rates In Caldwell – By Age
Age is a major factor in car insurance pricing, with younger drivers often paying higher premiums because of their lack of experience and higher likelihood of being in accidents or getting tickets. Teenagers can expect to pay about $2,044 per year.
Insurance rates tend to decrease for drivers when they reach the age of 25, provided they have a clean record.
Insurance rates are often most competitive for drivers in their 50s and early 60s, as insurers use age to evaluate driving experience and risk, which impacts premiums.
| Age | Average Yearly Rate |
| Teenagers | $2,044 |
| 20s | $1,269 |
| 30s | $637 |
| 40s | $732 |
| 50s | $664 |
| 60s | $515 |
| 70s | $983 |
Average Rates In Caldwell – By Vehicle
The type of car you drive has a big impact on your insurance rates. Factors like the make, model, year, and body style are considered, with newer luxury cars—featuring high-tech equipment and higher replacement costs—typically resulting in higher premiums.
The table below shows average insurance premiums for different vehicle types in Caldwell.
| Vehicle | Average Monthly Rate |
| Subaru Legacy | $35 |
| Kia Forte | $120 |
| Jeep Grand Cherokee | $55 |
| Honda Accord | $50 |
| Dodge Dart | $160 |
Average Cost Of Auto Insurance In Caldwell – By Zip Code
Your zip code plays a significant role in car insurance pricing, as insurers assess crime rates when setting premiums.
Check the table below for average car insurance premiums by zip code in Caldwell.
| Zip Code | Average Monthly Rate |
| 83605 | $85 |
| 83607 | $80 |
How Much Is Car Insurance In Other Cities in Idaho?
Your car insurance rates are strongly influenced by your city of residence, as urban areas tend to have higher accident, theft, and vandalism rates, which drive up premiums.
Drivers in Post Falls tend to pay an average of $97 a month for car insurance, while those in Worley pay approximately $44 per month.
| City | Average Monthly Rate |
| Moscow | $66 |
| Nampa | $83 |
| Pocatello | $77 |
| Post Falls | $97 |
| Boise | $76 |
| Sun Valley | $65 |
| Rexburg | $72 |
| Coeur D Alene | $84 |
| Worley | $44 |
| Idaho Falls | $92 |
Find affordable Caldwell rates
Our Methodology
I’ve gathered insights from an extensive analysis of customer service, product options, pricing, and online reviews to create a detailed view of car insurance providers in Caldwell, ID.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Caldwell?
In Caldwell, State Farm offers the lowest rates for minimum coverage, and State Farm offers the best rates for full coverage, including both comprehensive and collision.
What is the average cost of car insurance in Caldwell?
The average cost of car insurance in Caldwell is roughly $80 per month, but expect variations based on your zip code, car details, and driving history.
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