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How much is car insurance in Twin Falls?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Idaho is about $6 a month more expensive than it is in Twin Falls.
When stacked up against the national average, the average monthly policy payment for Twin Falls is more affordable. You can expect to pay about $38 less for your policy in Twin Falls than in the rest of U.S.
Although these are the average rates for auto insurance in Twin Falls, that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've broken down the average rates for Twin Falls 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay $31 more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, your rates may begin to go back up in Twin Falls.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. While female drivers pay a bit less than male drivers on their monthly auto coverage, the difference in Twin Falls is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Twin Falls with a single accident on their record will usually see rates around $66 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $52.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$41|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Twin Falls, with drivers paying around $30 per month for auto insurance coverage.
Car and SUVs, however, both cost about the same amount for insurance coverage -- around $45 per month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. 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)||$46|
Generally speaking, married policyholders will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Twin Falls follows that pattern, with the difference totaling to around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $1 a month less than drivers who own property in Twin Falls. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Twin Falls, ID
Recent trends in car insurance for Twin Falls drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for auto insurance in Twin Falls rose from 2016-2019, before leveling out in 2020. They finished up in 2021, at $57 a month
How does Twin Falls compare to neighboring areas?
Why are car insurance rates in Twin Falls different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Total drivers
- Off-street parking availability
- Road Safety (total number of local car accidents)
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. 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 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.
Fortunately, Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Twin Falls.
Twin Falls Insurance FAQs
What factors affect car insurance quotes in Twin Falls?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
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?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Twin Falls?
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. 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 Twin Falls 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?