Meridian, ID Car Insurance

What rates can residents of Meridian expect to pay for their car insurance? How does Meridian stack up to the rest of the area, or even Idaho as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Meridian?

Auto insurance policies in Meridian are about $6 a month more expensive than the rest of Idaho.

However, car insurance rates in Meridian are more affordable than the national average. The average monthly payment in Meridian is about $26 cheaper than the rate for the rest of the United States.

Although these are the average rates for auto insurance in Meridian, it's important to remember that you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've analyzed the average rate for Meridian and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. You may see your rates climb back up a bit once you hit retirement age in Meridian.

Average Car Insurance Rates by Gender

Car insurance rates for women are generally cheaper than they are for men. In Meridian, although men do pay slightly less on their monthly insurance rates, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay a lot less than those with infractions. Drivers in Meridian with one accident will pay around $65 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $61.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

If you look at the first table above, the cheapest vehicles to insure in Meridian are typically SUVs, at $47 per month.

Truck and van drivers will see rates of about $55 to insure their car, while car owners by and large pay around $60 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Meridian, the most expensive vehicles to insure are vehicles fifteen years and older and eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

More often than not, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Meridian follows that pattern, with the difference totaling to around $7 a month.

Average Car Insurance Rates by Housing Situation

Another factor taken into consideration is your living accommodations. Renters can expect to pay around $5 a month more than those who own their own home in Meridian. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Meridian, ID

Recent trends in car insurance for Meridian drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Meridian, auto insurance rates dropped from 2017-2018, when they hit a low of $43. This leveled out in 2019, when car insurance rates started to rise. They reached a high of $72 in 2020, and finished at $66 in 2022.

How does Meridian compare to neighboring areas?

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

Car insurance companies look at numerous factors when they're deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:

• Road Safety (how many accidents each locality has)
• Regional laws
• Total number of drivers in the region
• Access to off-street parking
• Area crime rates

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Knowing 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 Meridian?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Luckily, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Meridian.

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Meridian Insurance FAQs

What factors affect car insurance quotes in Meridian?

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, driving record, credit score, and marital status.

Why is the cost of car insurance in Meridian 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 Meridian?

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 Meridian?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Meridian or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?