Cheap Quotes for Moscow, ID Car Insurance (2024)
Moscow, Idaho car insurance rates average $242 a month and Idaho law requires coverage of at least 25/50/15. By comparing rates from multiple Moscow, ID companies, you can find cheap Moscow car insurance quotes to fit your needs and budget.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Moscow, ID are $242/month
- Average car insurance rates in Moscow, ID after a DUI are $3,596/year
- Average car insurance rates in Moscow, ID for senior drivers are $1,530/year
How do the Moscow, Idaho monthly average car insurance rates of $242/month compare to nearby cities like Twin Falls car insurance rates, Pocatello car insurance rates, and Caldwell car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Moscow, ID.
We’ll cover the Idaho minimum coverage requirements, Idaho car insurance laws, and Moscow, ID statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Moscow, Idaho companies to find the most affordable Moscow car insurance rates.
Enter your ZIP code above to find cheap Moscow, ID car insurance quotes today.
What are the minimum Moscow, ID car insurance requirements?
To meet Idaho minimum car insurance coverage requirements, Moscow, ID drivers need to carry at least 25/50/15 coverage.
| 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 |
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Average Moscow, ID Car Insurance Rates by ZIP Code
Where you live is a major determinate of your car insurance rates. Even within Moscow, ID you can see that rates will vary by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 83843 | $2,892 |
| 83844 | $2,909 |
How do age, gender, and marital status affect Moscow, ID car insurance rates?
Three of the criteria that most affect car insurance rates in Moscow, Idaho are age, gender, and marital status. Let’s take a look at how each of these stack up with top Moscow car insurance companies.
| 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 |
How much do teen drivers pay for car insurance in Moscow, ID?
Moscow, Idaho car insurance rates for teens are often higher than rates for other drivers. Compare Moscow car insurance rates from multiple Moscow, Idaho car insurance companies to get the best deal.
| 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 |
How much do senior drivers pay for car insurance in Moscow, ID?
With a little research, seniors can find affordable car insurance in Moscow, Idaho. Here’s a look at how the top Moscow car insurance companies stack up.
| 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 |
How does coverage level affect Moscow, ID car insurance rates?
How much coverage do you need? Are you comfortable with the Idaho minimum of 25/50/15 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Moscow, ID car insurance rates will be. Let’s take a look.
| 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 |
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How does your driving record affect Moscow, ID car insurance rates?
Safe driving pays off. The more traffic violations you have in Moscow, ID, the higher your car insurance rates will be. Compare rates based on driving infractions from top Moscow, Idaho companies.
| 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 |
How does a DUI affect Moscow, ID car insurance rates?
With even one DUI on your record, you can see an increase in your Moscow, ID car insurance rates.
| 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 |
How does your credit history affect Moscow, ID car insurance rates?
Take a look at the data here to see how your Moscow, Idaho car insurance rates are affected by your credit history.
| 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 |
How does your commute affect Moscow, ID car insurance rates?
Moscow, ID car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Idaho can be seen here. Remember, though, that you may have to carry substantially more car insurance in Moscow if you’re financing.
| 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 |
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Who has the cheapest Moscow, ID car insurance rates?
Here’s a breakdown of Moscow, Idaho car insurance rates by company. You can see which company offers the cheapest Moscow car insurance rates in each category.
| 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 |
What are the top Moscow, ID car insurance companies?
Which Moscow, Idaho car insurance company will best fit your needs and budget? Check out this comparison of the top Moscow companies to find the one for you.
| 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 |
What factors affect Moscow, ID car insurance rates?
Why are Moscow, Idaho car insurance rates different than rates in Twin Falls or Pocatello? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
What is the car theft rate in Moscow, ID?
FBI statistics show that the Moscow, Idaho car theft rate is 11 thefts each year. High theft rates can lead to higher than average Moscow, ID car insurance rates.
How long is the average commute in Moscow, ID?
More time spent behind the wheel can lead to higher Moscow, Idaho car insurance rates. In Moscow, ID, the average commute length is 15.0 minutes.
What is the traffic like in Moscow, ID
Like commute length, time spent in traffic also increase risk of accidents. Moscow, ID is listed as 4th in INRIX congested cities data.
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Car Insurance Quotes for Moscow, ID
Shop for affordable Moscow, Idaho car insurance rates today. Enter your ZIP code to compare quotes from multiple Moscow, ID car insurance companies.
Compare quotes from the top car insurance companies and save
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.