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How much is car insurance in Rexburg?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Rexburg will typically run you about $10 a month more than in the rest of Idaho.
On the flip side, car insurance rates in Rexburg are often favorable when viewed against the rest of the country. You can expect to pay about $22 below the national average for auto insurance in Rexburg.
Although these are the average rates for auto insurance in Rexburg, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. 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 policy payment.
We've analyzed the average rate for Rexburg and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement, however, you may see your rates begin to increase again in Rexburg.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. While female drivers pay a bit less than male drivers on their monthly premiums, the difference in Rexburg is only about $3 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay significantly less than those with infractions. In Rexburg, drivers with one accident on their record will experience rates around $69 a month. Likewise, drivers with one ticket will be looking at a rate of around $86 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$62|
In terms of affordable coverage, the cheapest vehicles to insure in Rexburg are usually cars, at $57 per month.
SUV owners, on the other hand, by and large pay around $63 per month, while truck and van drivers can expect to pay about $68 a month to insure their car.
Vehicle age also plays a role in your monthly payment. 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 around 5 years old. In Rexburg, vehicles four-to-five years old and fifteen years and older are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
Generally speaking, those who are currently married will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Rexburg reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$53|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $21 a month more than if you own your own home in Rexburg. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Rexburg, ID
Recent trends in car insurance for Rexburg 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.
In Rexburg, car insurance rates had been decreasing from 2017-2018, when they reached a low of $50, but began to increase from 2019-2020. Policy premiums finished up in 2022, at $71.
How does Rexburg compare to neighboring areas?
Why are car insurance rates in Rexburg different from other areas?
Car insurance companies will take into account several factors when they're choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Off-street parking accessibility
- Number of drivers in the area
- Road Safety (frequency of car accidents)
- Area crime rates
- Regional regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Rexburg?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Rexburg.
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Rexburg Insurance FAQs
What factors affect car insurance quotes in Rexburg?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Rexburg different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Rexburg?
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 Rexburg?
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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Rexburg or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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