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How much is car insurance in Caldwell?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Idaho are about $13 a month cheaper than the rates drivers pay in Caldwell.
On the other hand, when compared to the national average, the cost for auto insurance in Caldwell is lower. You can expect to pay about $19 below the national average for auto insurance in Caldwell.
These may be the average auto insurance rates for Caldwell, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
Don't sweat it however, we've broken down average rates for Caldwell residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally speaking, the older you are, the more experience you have driving, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates start to rise again in Caldwell.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The difference in Caldwell is around $36 a month. Looking at the table above, you can see that female drivers pay around $46 on average, while male drivers typically pay $82 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records can expect to pay a lot less than those with accidents or violations. Drivers in Caldwell with a single accident on their record will usually see rates around $61 a month. In addition, drivers with a single ticket on their record can expect to pay around $54 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$61|
The cheapest vehicles to insure in Caldwell are usually cars, with each type typically costing about $56 per month.
Truck and van drivers will see rates of about $81 for auto insurance, while SUV owners by and large pay around $58 per month.
Your rates can also vary depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. In Caldwell, the most expensive vehicles to insure are vehicles four-to-five years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
According to the table above, the difference in rates based on relationship status in Caldwell can be as much as $17 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$52|
One other element taken into consideration is your housing situation. Homeowners in Caldwell can expect to pay around $7 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Caldwell, ID
Recent trends in car insurance for Caldwell drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The rates for auto insurance in Caldwell went up from 2017-2018, before leveling out in 2019. They finished up in 2022, at $55 a month
How does Caldwell compare to neighboring areas?
Why are car insurance rates in Caldwell different from other areas?
There are a lot of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Total number of drivers
- Local laws
- Number of car accidents
- Off-street parking accessibility
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Caldwell?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering coverage in Caldwell.
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Caldwell Insurance FAQs
What factors affect car insurance quotes in Caldwell?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Caldwell different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Caldwell?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Caldwell?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Caldwell or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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