Cheap Quotes for Moscow, ID Car Insurance (2021)

Moscow, Idaho car insurance rates average $242 a month and Idaho law requires coverage of at least 25/50/15. By comparing rates from multiple Moscow, ID companies, you can find cheap Moscow car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Moscow, ID are $242/month
  • Average car insurance rates in Moscow, ID after a DUI are $3,596/year
  • Average car insurance rates in Moscow, ID for senior drivers are $1,530/year

How do the Moscow, Idaho monthly average car insurance rates of $242/month compare to nearby cities like Twin Falls car insurance rates, Pocatello car insurance rates, and Caldwell car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Moscow, ID.

We’ll cover the Idaho minimum coverage requirements, Idaho car insurance laws, and Moscow, ID statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Moscow, Idaho companies to find the most affordable Moscow car insurance rates.

Enter your ZIP code above to find cheap Moscow, ID car insurance quotes today.

What are the minimum Moscow, ID car insurance requirements?

To meet Idaho minimum car insurance coverage requirements, Moscow, ID drivers need to carry at least 25/50/15 coverage.

Minimum Required Car Insurance Coverage in Moscow, Idaho

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Average Moscow, ID Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Moscow, ID you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Moscow, Idaho

ZIP Code Average Annual Rates
83843 $2,892
83844 $2,909

How do age, gender, and marital status affect Moscow, ID car insurance rates?

Three of the criteria that most affect car insurance rates in Moscow, Idaho are age, gender, and marital status. Let’s take a look at how each of these stack up with top Moscow car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Moscow, Idaho

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,613 $2,595 $2,269 $2,350 $9,701 $11,247 $2,923 $3,105
American Family $1,995 $1,995 $1,774 $1,774 $7,113 $9,251 $1,995 $2,523
Farmers $1,664 $1,651 $1,470 $1,552 $7,947 $8,215 $1,922 $2,035
GEICO $1,943 $1,918 $1,849 $1,795 $4,156 $5,172 $2,634 $2,030
Liberty Mutual $1,374 $1,480 $1,111 $1,239 $4,505 $5,004 $1,459 $1,542
Nationwide $1,812 $1,855 $1,636 $1,735 $4,455 $5,492 $2,122 $2,284
State Farm $1,130 $1,130 $1,021 $1,021 $3,405 $4,288 $1,276 $1,474
Travelers $1,362 $1,383 $1,376 $1,369 $6,826 $10,815 $1,450 $1,650
USAA $1,135 $1,134 $1,104 $1,087 $3,773 $4,216 $1,506 $1,624

How much do teen drivers pay for car insurance in Moscow, ID?

Moscow, Idaho car insurance rates for teens are often higher than rates for other drivers. Compare Moscow car insurance rates from multiple Moscow, Idaho car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Moscow, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,701 $11,247
American Family $7,113 $9,251
Farmers $7,947 $8,215
GEICO $4,156 $5,172
Liberty Mutual $4,505 $5,004
Nationwide $4,455 $5,492
State Farm $3,405 $4,288
Travelers $6,826 $10,815
USAA $3,773 $4,216

How much do senior drivers pay for car insurance in Moscow, ID?

With a little research, seniors can find affordable car insurance in Moscow, Idaho. Here’s a look at how the top Moscow car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Moscow, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,269 $2,350
American Family $1,774 $1,774
Farmers $1,470 $1,552
GEICO $1,849 $1,795
Liberty Mutual $1,111 $1,239
Nationwide $1,636 $1,735
State Farm $1,021 $1,021
Travelers $1,376 $1,369
USAA $1,104 $1,087

How does coverage level affect Moscow, ID car insurance rates?

How much coverage do you need? Are you comfortable with the Idaho minimum of 25/50/15 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Moscow, ID car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Moscow, Idaho

Insurance Company Low Medium High
Allstate $4,461 $4,593 $4,747
American Family $3,560 $3,729 $3,369
Farmers $3,161 $3,274 $3,486
GEICO $2,548 $2,683 $2,830
Liberty Mutual $2,099 $2,211 $2,333
Nationwide $2,637 $2,808 $2,576
State Farm $1,738 $1,847 $1,944
Travelers $3,220 $3,328 $3,289
USAA $1,895 $1,945 $2,002

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How does your driving record affect Moscow, ID car insurance rates?

Safe driving pays off. The more traffic violations you have in Moscow, ID, the higher your car insurance rates will be. Compare rates based on driving infractions from top Moscow, Idaho companies.

Annual Moscow, Idaho Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,781 $4,758 $5,358 $4,506
American Family $2,795 $3,962 $4,282 $3,170
Farmers $2,891 $3,656 $3,416 $3,264
GEICO $1,652 $2,633 $3,679 $2,784
Liberty Mutual $1,840 $2,305 $2,373 $2,338
Nationwide $2,046 $2,652 $3,700 $2,297
State Farm $1,679 $2,007 $1,843 $1,843
Travelers $2,016 $2,878 $4,998 $3,223
USAA $1,395 $1,992 $2,710 $1,692

How does a DUI affect Moscow, ID car insurance rates?

With even one DUI on your record, you can see an increase in your Moscow, ID car insurance rates.

Annual Car Insurance Rates After a DUI in Moscow, Idaho

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,358
American Family $4,282
Farmers $3,416
GEICO $3,679
Liberty Mutual $2,373
Nationwide $3,700
State Farm $1,843
Travelers $4,998
USAA $2,710

How does your credit history affect Moscow, ID car insurance rates?

Take a look at the data here to see how your Moscow, Idaho car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Moscow, Idaho

Insurance Company Poor Fair Good
Allstate $6,077 $4,127 $3,598
American Family $4,589 $3,273 $2,796
Farmers $3,735 $3,163 $3,023
GEICO $3,267 $2,608 $2,186
Liberty Mutual $3,154 $1,947 $1,542
Nationwide $3,192 $2,575 $2,255
State Farm $2,589 $1,637 $1,304
Travelers $3,751 $3,160 $2,926
USAA $2,849 $1,658 $1,334

How does your commute affect Moscow, ID car insurance rates?

Moscow, ID car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Idaho can be seen here. Remember, though, that you may have to carry substantially more car insurance in Moscow if you’re financing.

Annual Car Insurance Rates by Commute Length in Moscow, Idaho

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,600 $4,600
American Family $3,480 $3,625
Farmers $3,307 $3,307
GEICO $2,641 $2,733
Liberty Mutual $2,214 $2,214
Nationwide $2,674 $2,674
State Farm $1,799 $1,887
Travelers $3,279 $3,279
USAA $1,924 $1,970

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Who has the cheapest Moscow, ID car insurance rates?

Here’s a breakdown of Moscow, Idaho car insurance rates by company. You can see which company offers the cheapest Moscow car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Moscow, Idaho

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

What are the top Moscow, ID car insurance companies?

Which Moscow, Idaho car insurance company will best fit your needs and budget? Check out this comparison of the top Moscow companies to find the one for you.

Average Annual Car Insurance Rates by Company in Moscow, Idaho

Insurance Company Average Annual Rates
Allstate $4,600
American Family $3,553
Farmers $3,307
GEICO $2,687
Liberty Mutual $2,214
Nationwide $2,674
State Farm $1,843
Travelers $3,279
USAA $1,947

What factors affect Moscow, ID car insurance rates?

Why are Moscow, Idaho car insurance rates different than rates in Twin Falls or Pocatello? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Moscow, ID?

FBI statistics show that the Moscow, Idaho car theft rate is 11 thefts each year. High theft rates can lead to higher than average Moscow, ID car insurance rates.

How long is the average commute in Moscow, ID?

More time spent behind the wheel can lead to higher Moscow, Idaho car insurance rates. In Moscow, ID, the average commute length is 15.0 minutes.

What is the traffic like in Moscow, ID

Like commute length, time spent in traffic also increase risk of accidents. Moscow, ID is listed as 4th in INRIX congested cities data.

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Car Insurance Quotes for Moscow, ID

Shop for affordable Moscow, Idaho car insurance rates today. Enter your ZIP code to compare quotes from multiple Moscow, ID car insurance companies.

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