Caldwell, ID Car Insurance

Caldwell drivers pay, on average, around $62 a month for their car insurance. For more information refer to our guide below.
How much can residents of Caldwell expect to pay for their car insurance? How do rates in Caldwell measure up compared to neighboring areas, including Idaho as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Caldwell?

Area Average Monthly Car Insurance Premium
Caldwell$62
ID$48
United States$80

Looking at the chart above, you can see that it is around $14 a month more expensive to insure your vehicle in Caldwell than it is in the rest of Idaho.

However, car insurance rates in Caldwell are more affordable than the national average. It's around $18 less to insure your vehicle compared to the average rate for the United States as a whole.

Bear in mind that while these rates are the average costs for Caldwell residents, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down the average rate for Caldwell residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$393
18-24$92
25-34$42
35-44$48
45-54Not Enough Data
55-64$32
65+$35

The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Caldwell drivers may see their rates climb back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$83
Female$45

Car insurance rates for men are usually slightly more expensive than they are for women. The difference in average rates in Caldwell totals about $38 per month. Looking at the table above, you can see that female drivers pay around $45 on average, while male drivers typically pay $83 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$61
Multiple Accidents$41
1 Ticket$57
Multiple Tickets$46

Depending on your driving record, your rates can vary quite a lot. A clean driving record will obviously get you a lower rate than one with accidents or infractions. The rate for drivers in Caldwell with a single accident on their record is about $61 a month. In addition, drivers with one ticket can expect to pay around $57 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$31
4-5 Years$88
6-7 Years$52
8-10 Years$51
11-14 Years$74
15 Years or Older$62

The most affordable vehicles to insure in Caldwell are usually cars, which run about $55 per month.

SUV owners, on the other hand, typically pay around $56 a month, while truck and van drivers can expect to pay about $93 per month to insure their car.

Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. 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)$71
Married$55
Divorced$36
Widowed$43

Generally speaking, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

According to the table above, the difference in rates based on relationship status in Caldwell can be as much as $16 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$52
Rent$59
Live with parents$52

One other element taken into consideration is your living accommodations. If you rent your home or apartment in Caldwell, expect to pay around $7 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance 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

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

Auto insurance rates in Caldwell rose from 2016-2018, before steadying out in 2019. They finished down in 2021, at $40 a month

How does Caldwell compare to neighboring areas?

Why are car insurance rates in Caldwell different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Off-street parking access
  • Number of drivers in the community
  • Community regulations
  • Road Safety (how many accidents each locality has)
  • Crime levels

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. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

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.

But wait! Compare.com has you covered. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer policies in Caldwell in no time.

Compare the cheapest quotes from dozens of insurance companies

Caldwell Insurance FAQs

What factors affect car insurance quotes in Caldwell?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, credit score, driving record, and marital status.

Why is the cost of car insurance in Caldwell different from other neighboring cities?

Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Caldwell?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Caldwell?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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.

Find your best rate in just a few minutes