Cheapest car insurance companies in American Falls 

According to a study by Insurance.com, the cheapest car insurance companies in American Falls for 2023 are Auto-Owners and State Farm

The car insurance company in American Falls that provides the cheapest car insurance premiums is Auto-Owners, with an average annual rate of $822 .

When it comes to car insurance costs in American Falls, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy. 

CompaniesAverage annual rates
USAA$745
Auto-Owners$822
State Farm$1,087
Geico$1,159
Travelers$1,298
Nationwide$1,496
Farm Bureau$1,516
Farmers$1,546
Allstate$1,954
Sentry Insurance$2,431

Cheapest car insurance cost in American Falls by Age Group 

Auto-Owners stands out as American Falls's cheapest auto insurance company for teen drivers at an average annual of $2,477. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups. 

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible. 

USAA is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in American Falls at about $1,413 per year

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in American Falls is USAA. Its average rate for a full coverage car insurance policy is $755 per year

If you are a senior driver in American Falls and looking for a cheap car insurance company, then consider buying insurance from USAA. It is the cheapest auto insurance company for senior drivers, with an average premium of $757 per year

CompanyTeensYoung AdultsAdultsSeniors
Auto-Owners$2,477$1,491$837$876
Farm Bureau$3,126$2,510$1,516$1,248
State Farm$3,164$1,830$1,095$1,046
Geico$3,699$1,901$1,152$1,469
Travelers$4,051$1,905$1,318$1,487
USAA$4,495$1,413$755$757
Nationwide$5,002$2,526$1,473$1,384
Sentry Insurance$5,488$3,631$2,426$2,215
Allstate$7,205$3,241$1,918$1,878
Farmers$7,678$2,236$1,514$1,526

Cheapest car insurance companies in American Falls by driver profile 

When determining car insurance rates in American Falls, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.

It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in American Falls that suits your budget. 

In American Falls, these insurance companies offer cheap car insurance rates based on your driver profile.

Geico is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for American Falls drivers is $1,004

Here are car insurance carriers that offer affordable rates for drivers with poor credit scores in American Falls.

CompanyAverage annual rates
Geico$1,004
Nationwide$1,451
Travelers$1,465
USAA$1,704
Farmers$2,284
Allstate$2,664
State Farm$4,368

Geico offers the cheapest auto insurance rates for drivers with a speeding ticket in American Falls. It offers full coverage car insurance for drivers aged 30 at about $919 per year

Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs. 

CompanyAverage annual premium
Geico$919
USAA$955
State Farm$977
Travelers$1,377
Nationwide$1,493
Farmers$1,832
Allstate$2,058

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in American Falls with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $1,050 annually.

CompanyAverage annual rates
State Farm$1,050
USAA$1,220
Travelers$1,406
Geico$1,478
Nationwide$1,551
Farmers$2,090
Allstate$2,817

Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in American Falls for drivers with a DUI, with an average annual premium of $977.

A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.

CompanyAverage annual rates
State Farm$977
Travelers$1,695
USAA$1,748
Farmers$2,029
Nationwide$2,418
Allstate$2,795
Geico$4,376

Average car insurance cost in American Falls 

In American Falls, the average annual cost for full coverage car insurance is around $1,405, which breaks down to approximately $117 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in American Falls is about $352.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.

Average annual RatesState minimum average
$1,405$352

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Idaho