Learn everything you need to know to buy the best car insurance policy in Caldwell for you and your family. See which carriers are rated as the best car insurance companies for customer satisfaction and your neighborhood’s average car insurance rates.
Discover how much you can save by knowing how to make intelligent choices about coverage. And find out how rates for Caldwell drivers are affected by tickets, accidents and adding teen drivers.
- The average car insurance cost in Caldwell, ID for a full coverage policy is $986 a year, according to CarInsurance.com research.
- Auto-Owners Ins Co has the cheapest full coverage car insurance quotes in Caldwell among all the carriers analyzed.
- By comparing price quotes from different carriers, you can save an average of $1,136 per year on a full coverage policy in Caldwell.
- In Idaho, comprehensive insurance costs an average of $119 and collision coverage is $468 per year, based on CarInsurance.com rate analysis.
- Who has the best car insurance in Caldwell, ID?
- Cheap car insurance in Caldwell, Idaho
- Car insurance coverage – how much car insurance do I need in Caldwell?
- Average car insurance rates in Caldwell
- Compare car insurance quotes in Caldwell – how to save on an insurance policy
- Caldwell car insurance FAQs
- Guide to car insurance (with rates) in cities of Idaho
Who has the best car insurance in Caldwell, ID?
Deciding who has the best car insurance to suit your needs depends on what is most important to you. For some, it may be price, while others value customer service the most. Still, others may be looking for the convenience of mobile apps or a company that offers the most car insurance discounts.
Below we list car insurance companies in Caldwell, and who they are the best at serving, based on CarInsurance.com’s customer satisfaction survey of current policyholders and rate data analysis.
|Claims||CSAA Insurance Group|
|Customer Service||The General|
|Recommend||CSAA Insurance Group|
|Low Annual Mileage||State Farm Mutual Auto|
|Good Student||Farmers Ins Co Of ID|
|Paid in Full||Allstate F&C|
Cheap car insurance in Caldwell, Idaho
Find the cheapest car insurance rates in Caldwell, based on our rate analysis for three different coverage levels. The driver profile is for age 30, with good credit and a clean driving record. You can see how major insurers rank for price in the chart below.
|Company||Liability Only – State Minimum BI/PD||Liability Only – 50/100/50 BI/PD||Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll|
|USAA Casualty Ins Co||$163||$202||$557|
|Auto-Owners Ins Co||$183||$258||$696|
|GEICO General Ins Co||$210||$259||$718|
|American Family Ins Co||$256||$426||$964|
|State Farm Mutl Automobile Ins||$279||$358||$953|
|Standard Fire Ins Co||$368||$461||$855|
|Allstate F&C Ins Co||$396||$453||$1,442|
|Farmers Ins Co of Idaho||$396||$549||$1,407|
|Depositors Ins Co||$471||$505||$915|
|Metropolitan P&C Ins Co||$665||$744||$1,717|
Car insurance coverage – how much car insurance do I need in Caldwell?
Below, we’ll explain what coverage you need to drive legally, your state minimum liability limits, and what types of car insurance you may need to be truly protected.
Minimum car insurance requirements in Caldwell
Idaho car insurance laws require only that you insure yourself against bodily injury and property damage liability, so it’s your choice whether to add coverage for yourself, your passengers, and your vehicle.
Comprehensive insurance and collision coverage make sense if you have a newer car. In Idaho, comprehensive costs $119 and collision costs $468, on an average per year, according to a rate data analysis done by CarInsurance.com.
These optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles are $1,000, $500 and $250 – you choose which one you want. The higher the deductible is, the lower your rate will be.
The best car insurance coverage usually isn’t the cheapest. You may be used if you’re in an accident and your insurance doesn’t cover all the damages. That means your home or savings could be in jeopardy.
To protect your assets, you should buy liability insurance in the following amounts:
- $1,00,000 to pay for others’ medical bills
- $3,00,000 to pay for injuries to others in an accident you cause
- $1,00,000 to pay for damage to others’ property
You should also consider buying these optional coverages:
- Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail and vandalism.
- Collision, which pays for damage to your car from accidents.
Average car insurance rates in Caldwell
According to our rate analysis, the average rate for Caldwell drivers for a year of minimum coverage is $339. If you increase your coverage to 50/100/50, you would pay just about $4.58 more monthly, or $55 more a year.
You can get full coverage (100/300/100) by paying $53.92 more a month or an additional $647 a year more than minimum-level coverage.
Caldwell average for:
- Minimum coverage: $339
- 50/100/50: $394
- 100/300/100: $986
Compare car insurance quotes in Caldwell – how to save on an insurance policy
You can save an average of $1,136 annually on a full coverage policy in Caldwell by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your particular circumstances, there is a significant benefit to shopping your policy.
Caldwell car insurance FAQs
How much does insurance go up after a speeding ticket in Caldwell?
A speeding ticket in Caldwell will hike your car insurance rates by an average of 29%, or about $427 yearly. CarInsurance.com’s rate analysis shows how much more drivers in Caldwell can expect to pay, on average, for speeding and other common violations.
Minor traffic violations, such as speeding, typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date. More severe infractions like DUI stay on your record much longer.
How much does insurance go up for tickets in Caldwell?
Caldwell drivers can expect to see a hike in their rates in the range of 31% for minor moving violations such as tailgating or blowing through a stop sign, 57% for more severe infractions such as DUI.
Below, you’ll see how much rates increase, on average, for ordinary traffic violations.
Because insurance companies assess risk differently, you can still save by comparison shopping. While one carrier may ding you a lot for a citation, another may increase your rate by much less.
|Violation||Average rate||Rate after violation||$ Increase||% Increase|
|2 speeding tickets 11 mph or over||$1,464||$2,018||$554||38%|
|Distracted driving ticket||$1,464||$1,787||$323||22%|
|Driving without a license or permit||$1,464||$1,652||$188||13%|
|Driving without insurance||$1,464||$1,619||$155||11%|
|DUI/DWI first offense||$1,464||$2,284||$820||56%|
|DUI/DWI second offense||$1,464||$3,360||$1,896||130%|
|Failure to stop||$1,464||$1,787||$323||22%|
|Failure to yield||$1,464||$1,787||$323||22%|
|Following too closely||$1,464||$1,787||$323||22%|
|Operating a vehicle in a race (highway racing)||$1,464||$2,253||$789||54%|
|Talking on cellphone ticket||$1,464||$1,764||$300||20%|
How much does it cost to add a teen driver to your insurance?
In Caldwell, adding a 16-year-old daughter to your policy will hike your rates by $1,307 annually or 133%, but it’s more for boys. Insuring your 16-year-old son will increase your yearly rate by $1,543, or 156%, according to CarInsurance.com rate data.
According to CDC research, teen drivers are inexperienced and involved in more accidents than older drivers. Insurance companies categorize them as high-risk drivers, so they cost more to insure.
If you’re insuring a teen driver of any age, you can get expert tips, rate data by age and details in this parents’ guide to insuring a teen driver.
How much is SR-22 insurance in Caldwell?
CarInsurance.com data show that for drivers in Caldwell, your rate will go up by an average of $741 or 51%. If you’re convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf.
An SR-22 is a car insurance company’s guarantee to the state that you carry the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase.
— Ashlee Tilford contributed to this story