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Cheapest car insurance in Caldwell, Idaho (Sep 2024)
Cheapest car insurance in Caldwell, Idaho (Sep 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Caldwell, Idaho.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance in Caldwell
- Best Car Insurance Companies in Caldwell
- Best cheap car insurance quotes in Caldwell
- Average cost of car insurance in Caldwell
- Car insurance quotes in Caldwell by rating factors
- How do different factors impact your car insurance costs in Caldwell?
- Cheap car insurance quotes in Caldwell after driving violations
- Cheap car insurance quotes in Caldwell by age
- Cheap car insurance quotes in Caldwell based on insurance history
- Cheap car insurance quotes in Caldwell for popular cars
- How to lower car insurance costs in Caldwell
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance in Caldwell
On average, car insurance in Caldwell costs about $69 per month for minimum coverage liability insurance, and about $152 per month for full coverage insurance. Caldwell drivers pay 20% less than the average rate in Idaho.
No single provider offers the
cheapest car insurance in Idaho
. Rather, the best auto insurance provider for you changes depending on your driver profile, credit score, vehicle, and where you live. In Caldwell, comparing multiple car insurance quotes is essential to finding the most affordable rate.Take a mini vacation and make the app store your next destination for
affordable car insurance
. The Jerry
app makes it easy to compare and buy liability coverage. No paperwork, phone calls, or confusion is required!| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $139 | Margaret, 20 Zip: 83605 | Toyota RAV4 | • State Minimum Liability |
| Safeco | $88 | Devin, 31 Zip: 83607 | Hyundai Elantra SE | • 100,000/300,000 Liability • Comp / Collision |
| Travelers | $134 | Minnie, 32 Zip: 83605 | Dodge Nitro SXT | • 50,000/100,000 Liability • Comp / Collision |
| Allstate | $165 | Edith, 27 Zip: 83607 | Audi A4 Premium Plus | • 100,000/300,000 Liability • Comp / Collision |
Electric | $307 | Luis, 25 Zip: 83605 | Nissan Sentra S | • State Minimum Liability • Comp / Collision |
Last Updated Sep 12, 2024Best Car Insurance Companies in Caldwell
We’ve also looked for the best car insurance company in Caldwell, and here’s what we found:
According to one of the most comprehensive shopping surveys in the country,
Safeco
, and Progressive
are three of the most popular and highly-rated insurance providers in Idaho. However, the more car insurance quotes customers looked at, the higher their chances of success at finding low rates.
Here’s how Caldwell drivers rated different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Safeco | 4.8 | 4.8 | N/A | 4.5 |
| Progressive | 4.5 | 4.1 | 4.3 | 4.2 |
| Geico | 4.5 | 4 | 4.8 | 3.5 |
| Allstate | 3.8 | 3.2 | N/A | 4 |
| State Farm | 3 | 2.3 | N/A | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Caldwell
All Caldwell drivers must carry
liability car insurance
to comply with Idaho’s car insurance laws
. If you harm someone or their property while driving, liability car insurance covers the costs of their treatments, repairs, and replacements. It’s also a good idea to increase your coverage limits above the state minimum in certain circumstances (more on that later).
Cheap minimum liability insurance quotes in Caldwell
In Idaho—and by extension, Caldwell—the minimum liability coverage limits follow a pattern of 25/50/15.
A policy should provide at least:
- $50,000 of bodily injury liability coverage per accident
Keeping liability coverage to the minimum required often results in the lowest rates. Jerry helped Caldwell drivers find the following deals on no-frills liability car insurance:
Margaret (20 years old)
$139
per month
Ian (21 years old)
$125
per month
Do you need more than minimum coverage in Caldwell?
Caldwell drivers should consider coverage that exceeds the state's minimum of 25/50/25.
It’s easy for medical and vehicle repair expenses to add up in an at-fault accident in downtown Caldwell, particularly in the case of serious injury.
If anything surpasses your coverage limits, you’ve got to pay it yourself. That’s especially worrying once you consider that
Idaho’s car accident laws
allow injured parties to sue for damages two to three years after a car crash.The bottom line: Go with 50/100/30 or 100/200/60 liability coverage limits for better financial protection.
Cheap full coverage car insurance quotes in Caldwell
Full-coverage car insurance
isn’t obligatory, but you should consider investing in it to keep your vehicle looking as good as new.- Collision insurance covers repairing or replacing your car following an accident with another vehicle or stationary object.
- Comprehensive coverage covers theft, vandalism, and natural disasters.
If you have a car loan, your lender will require you to maintain collision and comprehensive coverage until you’ve paid it off. Using Jerry, you can find the lowest full coverage car insurance rates in Caldwell.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $82 | Betty, 31 Zip: 83607 | Hyundai Elantra SE |
• 100,000/300,000 Liability • Comp / Collision | Allstate | $76 | Nina, 48 Zip: 83605 | Toyota Tacoma Prerunner Access Cab |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $127 | Helena, 33 Zip: 83605 | Mazda 6 Touring |
• 50,000/100,000 Liability • Comp / Collision | Travelers | $134 | Minnie, 32 Zip: 83605 | Dodge Nitro SXT |
• State Minimum Liability • Comp / Collision | Electric | $307 | Cornelia, 25 Zip: 83605 | Nissan Sentra S |
Last Updated Sep 13, 2024Comparing car insurance quotes online is easier with an app or website—and it’s even easier with a team of
100+ licensed insurance agents
at your back. Enjoy expert customer service and the easiest car insurance shopping experience you’ve ever had by using Jerry.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Caldwell
Based on our experience helping thousands of Caldwell drivers find car insurance, we estimate the average cost of minimum liability coverage to be around $69 per month or $828 per year.
The average cost for full coverage insurance in Caldwell increases to $152 per month or $1,822 per year. Prices start at about $69 per month for minimum liability coverage and $152 per month for full coverage policies.
Caldwell average insurance rates can help you build a budget, but they collapse under scrutiny. Many factors influence a driver's insurance premiums, including their car, driving profile, and claims history. Be prepared to spend more than average on your actual premiums—or less if you compare prices!
Average cost of car insurance in Caldwell by zip code
If you hear car alarms go off in your neighborhood all the time, there’s a chance you live in a risky zip code.
Zip codes with high crime, congestion, or accident rates make insurance providers nervous. Because auto insurance companies expect to pay out many claims to customers who live in these neighborhoods, they often charge them higher premiums than those who live in other parts of Caldwell.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
83605 | $50 | $113 |
83607 | $60 | $150 |
Compare car insurance costs in other states
Car insurance quotes in Caldwell by rating factors
- Your driving record and claims history: Accidents and tickets will increase your insurance rates.
- Your age: Insurers consider young drivers to be a higher risk due to their inexperience behind the wheel.
- Your vehicle: Luxury, high-performance, and sports cars are more expensive to insure.
- Your parking spot: If you park in a neighborhood with a high incidence of auto insurance claims, your rates will likely be higher.
- Your credit score: Drivers with bad credit scores often pay higher premiums than drivers with good credit scores for the same amount of coverage.
How do different factors impact your car insurance costs in Caldwell?
How do different factors impact your car insurance costs in Caldwell?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Idaho currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Caldwell:
Cheap car insurance quotes in Caldwell after driving violations
Because auto insurance providers are allergic to risk, driver violation points affect your insurance rates for the worse. The more high-risk your Idaho driving record becomes, the higher your premiums will increase. Here are some tips for finding affordable rates:
Cheapest car insurance in Caldwell after speeding ticket
To resolve an
Idaho speeding ticket
, you’ll have to pay between $90 and $1,000, but you'll pay much more in the long run due to its effects on your car insurance rates. Your rates could jump as much as 21% if you speed up to 15 mph over the limit—or up to 29% if you were going 15 mph over or more!
Compare quotes from as many car insurance providers as possible to find savings. These are the savings Caldwell speeding ticket holders found using this method (and Jerry's help):
Last Updated Sep 13, 2024Cheapest car insurance in Caldwell after DUI
The consequences of committing a
DUI in Idaho
go beyond a ticket, a jail sentence, and a driver’s license suspension. Insurance companies often view DUI offenders as high-risk drivers and charge them higher premiums.For those with a DUI conviction, it's critical to shop around and compare rates from several insurance companies to find the most affordable policy. Even after a DUI conviction, Jerry can help you find the best auto insurance rates in Caldwell.
Cheapest car insurance in Caldwell after an at-fault accident
An at-fault accident can add hundreds of dollars to your yearly car insurance payments. Insurance providers charge proportionally higher premiums for any high-risk behavior they see on your Idaho driving record.
Jerry helped drivers in Caldwell find savings with these companies after an at-fault accident:
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $61 | Sarah, 40 Zip: 83605 | Ford Ranger Super Cab | • State Minimum Liability |
At Fault With No Injury | Allstate | $72 | Lina, 52 Zip: 83605 | KIA Sportage LX | • State Minimum Liability |
Not At Fault | Safeco | $147 | Nettie, 27 Zip: 83607 | Honda Insight LX | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Travelers | $134 | Jerome, 31 Zip: 83605 | Dodge Nitro SXT | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Sep 9, 2024Cheapest car insurance in Caldwell after other driving violations
Driving without a license, stunt driving, or reckless driving in Idaho can also lead to car insurance issues. Here are some of the best insurance companies in Caldwell to check if you've received traffic tickets and high premiums:
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Yield | Progressive | $67 | Ida, 26 Zip: 83605 | Honda Civic LX | • State Minimum Liability |
Failure to Yield | National General | $458 | Roger, 24 Zip: 83605 | Nissan Sentra S | • State Minimum Liability • Comp / Collision |
Last Updated Sep 8, 2024Cheap car insurance quotes in Caldwell by age
As you age, your car insurance rates start high, fall in the middle, and rise again as you become a senior driver. If you're between 25 and 75, enjoy the savings! Otherwise, keep reading.
Cheapest car insurance in Caldwell for young drivers
Teen drivers between 16 and 19 pay the highest insurance rates of any demographic due to their high accident rates.
Consider investing in full-coverage car insurance if your policy includes a young driver. With Jerry, you can find
the best car insurance for young drivers
in Caldwell.Margaret (20 years old)
$139
per month
Ian (21 years old)
$125
per month
Cheapest car insurance in Caldwell for senior drivers
After 70, senior drivers' car insurance rates rise for several reasons:
- Age-related declines in vision, hearing, and reaction time
- Increased risk of being involved in a car accident
- Increased likelihood of suffering severe injuries in a collision
The best car insurance for seniors
in Caldwell incorporates safe driving, reduced usage, and no-claims insurance discounts. Here are some of the deals older drivers found with Jerry:
Cheap car insurance quotes in Caldwell based on insurance history
Allowing your car insurance coverage to lapse is a sure way to inflate your annual premiums. If you drove uninsured at any point in the past, insurance providers might consider you a high-risk driver in the present.
Jerry can help you start over with a new company and begin building your car insurance history anew. Eligible customers will receive payment reminders and automatic cost comparisons at renewal time, so they can see if they still have the most competitive rates in Caldwell.
Mark (20 years old)
$95
per month
Myrtle (24 years old)
$458
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I saved over $100 by switching!!!! I recommend it to all my family & friends.
Alexa
So far, so good!
Andrew
Great customer service.
Erika
Super affordable and much less hassle than other carriers I've had.
Kacie
Cheap car insurance quotes in Caldwell for drivers with poor credit
If your credit score is 550 or less, you’ll see an increase in your insurance rates, regardless of whether or not you’re a good driver.
Auto insurance companies value timely payments just as much as safe driving!
Caldwell drivers with bad credit pay almost 20% more for car insurance than their good credit counterparts! Jerry's app lets you compare quotes quickly so you can make up the difference with savings.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Bristol West | $87 | Ruby, 44 Zip: 83605 | Toyota Prius C | • State Minimum Liability |
660 - 750 | Bristol West | $87 | Benjamin, 44 Zip: 83605 | Toyota Prius C | • State Minimum Liability |
550 - 659 | Progressive | $159 | Luke, 23 Zip: 83607 | Chrysler 200 Touring | • 100,000/300,000 Liability • Comp / Collision |
< 550 | The General | $89 | Amy, 26 Zip: 83605 | Chevrolet Cavalier | • State Minimum Liability |
Last Updated Sep 13, 2024Cheap car insurance quotes in Caldwell for popular cars
The type of car you drive helps determine your annual insurance premiums. A model with good safety ratings, driver-assistive technology, and
vehicle anti-theft systems
costs less to insure. If it’s cheap to repair, then so much the better!With high scores in all three categories, these five models won the Caldwell popular vote:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| RAM 1500 BIG Horn/lone Star | Progressive | $115 | Julian, 32 Zip: 83607 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 13, 2024How to lower car insurance costs in Caldwell
1. Shop around and compare quotes
You won’t know you’ve found the best deal without comparing auto insurance quotes. Try to
shop for car insurance quotes
with at least three different providers every six months.If you want to comparison shop in minutes with just a few taps, download Jerry. You’ll receive the most competitive quotes in Caldwell that’ll take the guesswork out of your hunt for cheap rates.
2. Hunt for car insurance discounts
A great
car insurance discount
is the difference between dreading your monthly bills and… well, not celebrating them, but maybe tolerating them. Take a look at these programs to lower your rates:- Good driver discounts: You're due for some savings if you've held aclean driving recordfor at least three years.
- Telematics device discounts: Telematics devices reward calm and mellow driving habits over hard braking and speeding.
- Good student discounts: College and high school students with a B average or better can save money on car insurance.
- Insurance bundle discounts: You could save money if youbundle your home and auto insuranceproducts from the same provider.
3. Increase your deductible for comprehensive and collision coverage
Increasing your deductible is an easy way to reduce your monthly payment without sacrificing coverage.
FAQ
How much is car insurance in Caldwell?
People living in Caldwell pay on average $69 per month – or $828 per year – on state-minimum liability coverage. Full coverage in Caldwell costs on average $152 per month or $1,822 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the best car insurance in Caldwell?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Nationwide
, Safeco
, and Safe Auto receive good ratings from Caldwell drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the minimum car insurance in Caldwell, Idaho?
The state-minimum car insurance in Caldwell, Idaho is $25,000 in bodily injury liability per person, $50,000 per accident, and $15,000 for damage to property. These coverages are commonly referred to as 25/50/15 coverage.
What is the cheapest car insurance in Caldwell?
Based on thousands of Caldwell drivers Jerry has worked with, car insurance in Caldwell costs an average of $69 per month for state-minimum coverage and $152 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.