Pocatello, ID Car Insurance

The average monthly cost for car insurance in Pocatello is about $51. To learn more about what you're likely to pay in the Pocatello area, read our guide below.
Are rates in Pocatello higher or lower than those in neighboring areas? How do they compare to the rest of Idaho? What rates should residents of Pocatello expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Pocatello?

Area Average Monthly Car Insurance Premium
Pocatello$51
ID$48
United States$80

According to the chart above, the rates you'll pay for coverage in Pocatello are about the same as what you would pay anywhere else in Idaho.

On the other hand, when compared to the national average, the cost for auto insurance in Pocatello is lower. On average, it's about $29 less to insure your vehicle in Pocatello than it is in the rest of the U.S.

Bear in mind that while these rates are the average costs for drivers in Pocatello, 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. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

Don't worry, we've done the work for you and broken down the average rates for Pocatello to help you understand what your monthly premium might be. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$90
25-34$37
35-44$40
45-54$43
55-64$36
65+$49

Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay $41 more than someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may climb back up in Pocatello.

Average Car Insurance Rates by Gender

Gender Average
Male$52
Female$50

Car insurance rates for women are generally cheaper than they are for men. While female drivers pay a little bit less than male drivers on their monthly auto coverage, the difference in Pocatello is only about $2 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$58
Multiple Accidents$74
1 Ticket$46
Multiple Tickets$76

Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Pocatello with a single accident on their record is about $58 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $46.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$94
2-3 Years$113
4-5 Years$32
6-7 Years$24
8-10 Years$52
11-14 Years$66
15 Years or Older$47

The cheapest vehicles to insure in Pocatello are typically trucks and vans, with each type typically costing about $30 per month.

SUV drivers will see rates of about $65, while the rates for car owners average out to about $52 per month.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old, you may start to see your monthly premium decrease. 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
Married$36
Divorced$40

Generally, people who are married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Pocatello is about $23 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$35
Rent$61
Live with parents$91

One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $26 a month more than if you own your own home in Pocatello. But if you live with your parents, your rates will be significantly higher.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Pocatello, ID

Recent trends in car insurance for Pocatello drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

In Pocatello, the rates for car insurance declined from 2016-2017, when they reached a low of $43. This leveled out in 2018, when car insurance rates began to increase. They hit a high of $58 in 2020, and finished at $51 in 2021.

How does Pocatello compare to neighboring areas?

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

There are a number of factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:

  • Total amount of drivers in the community
  • General road safety (how many accidents each locality has)
  • Local laws
  • Access to off-street parking
  • Local crime rates

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Fortunately, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Pocatello.

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Pocatello Insurance FAQs

What factors affect car insurance quotes in Pocatello?

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 age and gender, as well as your credit score, address, marital status and driving record.

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

Auto insurance companies consider regional factors, such as parking situations, local laws, 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?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

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

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 point, no matter how much time is left on your current policy. If you're thinking about moving to Pocatello or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes