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How much is car insurance in Pocatello?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Pocatello is in line with pricing for the rest of Idaho.
If you're thinking of moving to Pocatello from out of state, you may still be in luck. The average monthly payment in Pocatello is about $29 cheaper than the rate for the rest of the United States.
Although these are the average rates for auto insurance in Pocatello, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
We've analyzed the average rate for Pocatello and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may rise again in Pocatello.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Pocatello, although men do pay a bit less on their monthly insurance rates, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Pocatello with one accident will pay around $65 a month. Similarly, drivers with one ticket will typically pay around $63 on average.
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
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$94|
|15 Years or Older||$48|
The most affordable vehicles to insure in Pocatello are by and large trucks and vans, which run about $34 per month.
SUV drivers will see rates of about $60, while the rates for car owners average out to about $54 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Pocatello, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
Generally, those who are currently married will pay slightly less for auto insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Pocatello, with married couples paying about $22 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment in Pocatello, expect to pay around $23 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Pocatello, ID
Recent trends in car insurance for Pocatello drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
The rates for auto insurance in Pocatello went up from 2017-2020, before steadying out in 2021. They finished up in 2022, at $58 a month
How does Pocatello compare to neighboring areas?
Why are car insurance rates in Pocatello different from other areas?
There are numerous factors car insurance companies take into consideration when figuring out how much to charge for coverage. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Crime levels
- Off-street parking access
- Total amount of drivers in the area
- Frequency of car accidents
- Area regulations
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Pocatello?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer coverage in Pocatello in no time.
Pocatello Insurance FAQs
What factors affect car insurance quotes in Pocatello?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Pocatello different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates 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 Pocatello?
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 Pocatello?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Pocatello or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.