Idaho boasts breathtaking landscapes – from the majestic peaks of the Rocky Mountains to the vast expanses of the Snake River Plain. Exploring these diverse terrains requires a capable and reliable vehicle. In this guide, Cheap Insurance explores the top 5 contenders for adventurous Idaho drivers, dives into budgeting for your ride with car insurance costs by vehicle type, and offers tips for finding inexpensive car insurance in Idaho.
Key Takeaways:
- Adventure-Ready Rides: Explore Idaho’s diverse landscapes with fuel-efficient options like the Subaru Crosstrek or capable all-wheel-drive vehicles like the Subaru Outback or Jeep Wrangler.
- Winter Warriors: Conquer snowy roads with confidence in winter warriors like the Subaru Outback, boasting excellent safety ratings and standard all-wheel drive.
- Truck Power: For hauling gear and tackling tougher terrain, the Toyota Tacoma offers a good balance of size, capability, and fuel efficiency.
- Budgeting for Your Ride: Expect to pay an average of $1,270 annually for car insurance in Idaho, with trucks typically costing more than sedans or SUVs.
- Saving on Insurance: Shop around for car insurance quotes, leverage available discounts for safe driving and good credit, and consider usage-based insurance for potential savings.
Top 5 Cars and Trucks for Adventure in Idaho
Fuel-Efficient Explorers
- Subaru Crosstrek: This all-wheel-drive hatchback offers excellent fuel economy (up to 28 mpg combined), ample cargo space for gear, and standard all-wheel drive for tackling gravel roads and light off-roading. It’s a perfect choice for exploring scenic byways and national parks.
- Toyota Corolla Hatchback: This fuel-efficient (up to 32 mpg combined) hatchback offers surprising versatility. It’s maneuverable for tight city streets but also provides enough cargo space for weekend adventures.
Winter Warriors
3. Subaru Outback: This iconic all-wheel-drive wagon boasts excellent safety ratings (IIHS Top Safety Pick+), standard all-wheel drive for superior traction in winter weather, and ample cargo space for gear. It’s a true all-season adventurer, conquering snowy mountain roads and navigating summer adventures with ease.
4. Jeep Wrangler: This legendary off-roader offers exceptional capability for tackling challenging terrain. With features like a four-wheel-drive system, high ground clearance, and removable doors for open-air adventures, the Wrangler is perfect for exploring remote areas and experiencing the thrill of off-road driving.
Truck Power
5. Toyota Tacoma: This mid-size truck offers a perfect balance of size, capability, and fuel efficiency (up to 20 mpg combined). It provides enough power for hauling gear and towing trailers, making it ideal for camping trips, mountain biking adventures, and hauling equipment for outdoor activities.
Average Annual Car Insurance Costs in Idaho by Vehicle Type
Car insurance is a significant ongoing cost. Here’s a breakdown of average annual car insurance rates in Idaho by vehicle type (based on national data):
- Average annual cost (all vehicles): $1,270 according to moneygeek.
- Trucks: Generally more expensive to insure than cars due to higher repair costs and potential for accidents.
- SUVs: Can vary depending on size and features. Typically more expensive than sedans but less expensive than trucks.
- Sedans: Generally the most affordable car type to insure due to their lower repair costs and safety features.
These are just averages. Your actual auto insurance rate will depend on various factors including:
- Your age and driving record: Younger drivers and those with accidents or tickets will pay more.
- Your location: Rates can vary depending on your zip code and proximity to high-crime areas.
- The type of car you drive: As mentioned above, trucks are typically more expensive to insure than cars.
- Your coverages: Higher coverage limits will lead to higher auto insurance policy costs.
5 Tips to Find Inexpensive Car Insurance in Idaho
Finding affordable car insurance in Idaho requires some proactive effort. Here are some tips:
- Compare Auto Insurance Quotes: Don’t settle for the first vehicle insurance quote you receive. Get quotes from at least three different automobile insurance companies, including national brands and local providers.
- Leverage Available Discounts: Many auto insurance companies offer discounts for various factors. Here are some common ones to inquire about in Idaho:
- Good Driver Discount: Maintaining a clean driving record with no accidents or tickets for several years can lead to a cheaper car insurance policy.
- Multi-Car Discount: Insuring multiple vehicles with the same company can often earn you a discount.
- Low Mileage Discount: If you drive fewer miles annually, you might qualify for a lower auto insurance rate.
- Safety Features Discount: Vehicles equipped with anti-lock brakes, airbags, and other safety features might be eligible for discounts.
- Defensive Driving Course Completion: Completing a defensive driving course can demonstrate your commitment to safe driving and potentially get lower car insurance rates.
- Senior Citizen Discount: Many companies offer discounts for drivers over a certain age (typically 55 or 65).
- Student Away at School Discount: If you have a child away at college and not using the car regularly, you might be eligible for a discount.
- Increase Your Deductible: The deductible is the amount you pay out-of-pocket before your insurance kicks in. Raising your deductible can significantly lower your insurance premium. However, ensure you can comfortably afford the deductible in case of an accident.
- Maintain a Good Credit Score: In Idaho, your credit score can be a factor in determining your car insurance rates. Maintaining a good credit history can lead to a cheap car insurance price.
- Consider Usage-Based Insurance: This type of car insurance tracks your driving habits (mileage, time of day, braking patterns) and offers discounts for safe driving. It can be a good option for low-mileage drivers or those confident in their safe driving practices.
Bundle Your Insurance. Bundling your car insurance with your homeowners insurance or renters insurance with the same company can often lead to additional car insurance discounts.
By following these tips and comparing quotes from various insurance providers, you can find affordable car insurance that fits your budget and driving needs in Idaho. Remember, the cheapest car insurance option isn’t always the best. Look for a company that offers competitive rates, good customer service, and the insurance options you need.
