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Cheapest car insurance in Post Falls, Idaho (Sep 2023)
Cheapest car insurance in Post Falls, Idaho (Sep 2023)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Post Falls.
Find Insurance Savings (100% Free!)
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
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 Post Falls
- Best Car Insurance Companies in Post Falls
- Best cheap car insurance quotes in Post Falls
- Average cost of car insurance in Post Falls
- Car insurance quotes in Post Falls by rating factors
- How Do Different Factors Impact Your Car Insurance Costs in Post Falls?
- Cheap car insurance quotes in Post Falls after driving violations
- Cheap car insurance quotes in Post Falls by age
- Cheap car insurance quotes in Post Falls based on insurance history
- Cheap car insurance quotes in Post Falls for popular cars
- How to lower car insurance costs in Post Falls
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance in Post Falls
On average, car insurance in Post Falls costs about $148 per month for minimum coverage liability insurance, and about $148 per month for full coverage insurance. Post Falls drivers pay 21% 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 Post Falls, 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!| Quote Date | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
September 14, 2023 | Allstate | $119 | Duane, 34 Zip: 83854 | Nissan Versa S | • 50,000/100,000 Liability • Comp / Collision |
September 13, 2023 | Progressive | $100 | Nathaniel, 27 Zip: 83854 | Dodge Durango Limited | • State Minimum Liability • Comp / Collision |
September 11, 2023 | Safeco | $69 | Cecelia, 42 Zip: 83854 | Ford Ranger Super Cab | • 50,000/100,000 Liability • Comp / Collision |
September 4, 2023 | The General | $96 | Susie, 36 Zip: 83854 | Volkswagen Jetta Wolfsburg | • State Minimum Liability |
Last Updated Sep 22, 2023How'd we get this data?
Real Insurance Agents
Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).
Real Insurance Quotes
Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.
Real Insurance Companies
We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.
Best Car Insurance Companies in Post Falls
We’ve also looked for the best car insurance company in Post Falls, and here’s what we found:
According to one of the most comprehensive shopping surveys in the country,
Dairyland
, 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 Post Falls 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 Post Falls
All Post Falls 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 Post Falls
In Idaho—and by extension, Post Falls—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 Post Falls drivers find the following deals on no-frills liability car insurance:
Nathaniel (27 years old)
$100
per month
Nora (42 years old)
$89
per month
The General
Jim (36 years old)
$96
per month
Do you need more than minimum coverage in Post Falls?
Post Falls 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 Post Falls, 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 Post Falls
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 Post Falls.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $100 | Nathaniel, 27 Zip: 83854 | Dodge Durango Limited |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $119 | Duane, 34 Zip: 83854 | Nissan Versa S |
• State Minimum Liability • Comp / Collision | Dairyland | $236 | James, 26 Zip: 83854 | Land Rover Range Rover Supercharged |
Last Updated Sep 22, 2023Comparing 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 Post Falls
Based on our experience helping thousands of Post Falls drivers find car insurance, we estimate the average cost of minimum liability coverage to be around $148 per month or $1,770 per year.
The average cost for full coverage insurance in Post Falls increases to $148 per month or $1,770 per year. Prices start at about $148 per month for minimum liability coverage and $148 per month for full coverage policies.
Post Falls 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!
Compare car insurance costs in other states
Car insurance quotes in Post Falls 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 Post Falls?
How Do Different Factors Impact Your Car Insurance Costs in Post Falls?
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 Post Falls:
Cheap car insurance quotes in Post Falls 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 Post Falls 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 Post Falls find savings with these companies after an at-fault accident:
| Accident Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
At Fault With Injury | Bristol West | $253 | Mason, 26 Zip: 83854 | Land Rover Range Rover Supercharged | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Progressive | $164 | Millie, 24 Zip: 83854 | Jeep Cherokee Trailhawk | • State Minimum Liability • Comp / Collision |
Not At Fault | Allstate | $116 | Estella, 22 Zip: 83854 | Hyundai Sonata SE | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $130 | Oscar, 24 Zip: 83854 | Volkswagen Tiguan SE | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 22, 2023Cheapest car insurance in Post Falls 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 Post Falls to check if you've received traffic tickets and high premiums:| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Defective Equipment | Progressive | $72 | Mollie, 33 Zip: 83854 | Dodge Avenger SXT | • 50,000/100,000 Liability |
Driving on Sus. License | Progressive | $63 | Jason, 28 Zip: 83854 | Ford Focus SE | • 50,000/100,000 Liability |
Last Updated Sep 19, 2023Cheap car insurance quotes in Post Falls 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 Post Falls 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 Post Falls.Bruce (24 years old)
$164
per month
Frank (23 years old)
$204
per month
Cameron (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Post Falls, ID (Zip Code: 83854)$130
per month
Cheapest car insurance in Post Falls 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 Post Falls 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 Post Falls 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 Post Falls.
Travis (28 years old)
$93
per month
Helen (24 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Post Falls, ID (Zip Code: 83854)$130
per month
Delia (42 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Post Falls, ID (Zip Code: 83854)$69
per month
Gilbert (26 years old)
Currently Insured
CoverageState Minimum
Post Falls, ID (Zip Code: 83854)$253
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 Post Falls 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!
Post Falls 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 |
|---|---|---|---|---|---|
> 750 | Progressive | $164 | Josie, 24 Zip: 83854 | Jeep Cherokee Trailhawk | • State Minimum Liability • Comp / Collision |
660 - 750 | Progressive | $93 | Ann, 28 Zip: 83854 | Ford Explorer XLT | • State Minimum Liability • Comp / Collision |
660 - 750 | Progressive | $93 | Addie, 28 Zip: 83854 | Ford Explorer XLT | • State Minimum Liability • Comp / Collision |
550 - 659 | Allstate | $119 | Sophie, 34 Zip: 83854 | Nissan Versa S | • 50,000/100,000 Liability • Comp / Collision |
< 550 | Progressive | $100 | Earl, 27 Zip: 83854 | Dodge Durango Limited | • State Minimum Liability • Comp / Collision |
Last Updated Sep 22, 2023Cheap car insurance quotes in Post Falls 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 Post Falls popular vote:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota Tacoma Double Cab | Progressive | $62 | Ricardo, 52 Zip: 83854 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 16, 2023Cheapest car insurance in Post Falls for new vs. old car
Older vehicles are usually less expensive to insure than new ones. We’ve found that the average insurance cost for a car older than 10 years is $148per month in Post Falls. The average cost for insuring a car less than four years old goes up to $148 per month.
Nathaniel (27 years old)
$100
per month
Cameron (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Post Falls, ID (Zip Code: 83854)$130
per month
Duane (34 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Post Falls, ID (Zip Code: 83854)$119
per month
Steven (26 years old)
$253
per month
The General
Jim (36 years old)
$96
per month
How to lower car insurance costs in Post Falls
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 Post Falls 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 Post Falls?
People living in Post Falls pay on average $148 per month – or $1,770 per year – on state-minimum liability coverage. Full coverage in Post Falls costs on average $148 per month of $1,770 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 Post Falls?
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 Post Falls 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 Post Falls, Idaho?
The state-minimum car insurance in Post Falls, 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 Post Falls?
Based on thousands of Post Falls drivers Jerry has worked with, car insurance in Post Falls costs an average of $148 per month for state-minimum coverage and $148 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
Expert Insurance Writer and Editor
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.
