Twin Falls, ID Car Insurance

Residents of Twin Falls pay around $44 monthly for their car insurance coverage. Check out our guide below to find out how much you'll pay.
What rates can residents of Twin Falls expect to pay for their car insurance? Compared to their surrounding area, how do rates in Twin Falls stack up? What about against the rest of Idaho? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Twin Falls?

Area Average Monthly Car Insurance Premium
Twin Falls$44
ID$49
United States$81

Based on the chart above, you can see that coverage in Twin Falls typically costs about $5 a month less than it does in the rest of Idaho.

Compared to the rest of the country, auto insurance in Twin Falls is more affordable. The average monthly payment for the U.S. as a whole is about $37 more expensive than in Twin Falls.

Keep in mind that these are the average auto insurance rates for Twin Falls, and that the rate you get could end up being something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

But don't worry, we've broken down average rates for Twin Falls residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$68
25-34$46
35-44$42
45-54$33
55-64$39
65+$37

The older you are, the more experience you're likely to have on the roads, right? That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement, your rates may creep back up in Twin Falls.

Average Car Insurance Rates by Gender

Gender Average
Male$45
Female$43

In general, female drivers pay less for car insurance than their male counterparts. In Twin Falls, although women do pay a bit less on their monthly auto coverage, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$70
Multiple Accidents$62
1 Ticket$58
Multiple Tickets$74

Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. Drivers in Twin Falls with a single accident on their record will usually see rates around $70 a month. Likewise, drivers with one ticket will be looking at a rate of around $58 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$75
4-5 Years$59
6-7 Years$47
8-10 Years$45
11-14 Years$42
15 Years or Older$43

The most affordable vehicles to insure in Twin Falls are by and large trucks and vans, which run about $40 per month.

SUV drivers will see rates of about $46, while the rates for car owners average out to about $45 a month.

Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Twin Falls, vehicles two-to-three years old and four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$47
Married$39
Divorced$34
Widowed$37

Generally speaking, married policyholders will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Twin Falls as well, where the difference is around $8 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$42
Live with parents$78

One other element taken into consideration is your housing situation. Renters can expect to pay around $1 a month less than homeowners in Twin Falls. 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 premiums, depending on your insurance company.

Car Insurance Companies in Twin Falls, ID

Recent trends in car insurance for Twin Falls drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.

In Twin Falls, the rates for car insurance have been steadily increasing, reaching a high of $58 in 2022.

How does Twin Falls compare to neighboring areas?

Why are car insurance rates in Twin Falls different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Road Safety (total number of local car accidents)
  • Total drivers
  • Off-street parking availability
  • Crime rates
  • Area laws

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Twin Falls?

While knowing 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. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Twin Falls in no time.

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Twin Falls Insurance FAQs

What factors affect car insurance quotes in Twin Falls?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

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

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 Twin Falls?

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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Twin Falls 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.

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