Best Pocatello, ID Auto Insurance in 2024 (Review the Top 10 Companies Here)
State Farm, Progressive, and Allstate offer the best Pocatello, ID, auto insurance, with rates starting at just $48 a month. They deliver low-cost coverage, outstanding customer support, and practical budgeting resources. Get a quote now to find dependable, wallet-friendly insurance in Pocatello, Idaho.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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UPDATED: Nov 19, 2024
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17,760 reviewsCompany Facts
Full Coverage in Pocatello ID
A.M. Best Rating
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17,760 reviews
13,128 reviewsCompany Facts
Full Coverage in Pocatello ID
A.M. Best Rating
Complaint Level
13,128 reviews
11,413 reviewsCompany Facts
Full Coverage in Pocatello ID
A.M. Best Rating
Complaint Level
11,413 reviews
The best Pocatello, ID auto insurance includes State Farm, Progressive, and Allstate with premium and cheap coverage beginning for as low as $48 per month.
State Farm leads with personalized service, Geico is known for affordable premiums, and Progressive provides helpful budgeting tools. Your premium can vary depending on factors such as your driving record, the kind of vehicle you drive, and your credit score—particularly if you’re classified as a high-risk driver.
Our Top 10 Company Picks: Best Pocatello, ID Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 17% B Comprehensive Coverage State Farm
#2 15% A+ Snapshot Program Progressive
#3 20% A+ Driving Discounts Allstate
#4 10% A+ Senior Programs The Hartford
#5 13% A++ Hybrid Discount Travelers
#6 25% A++ Military Benefits USAA
#7 22% A Claims Assistance Farmers
#8 12% A Customizable Policies Liberty Mutual
#9 20% A Teen Discounts American Family
#10 15% A+ Accident Forgiveness Nationwide
Read more through this guide to help you find affordable and premium coverage for your vehicle needs in Pocatello, Idaho. Compare quotes today by entering your ZIP code above.
#1 – State Farm: Top Overall Pick
Pros
- Local Service Excellence: Highly personalized service from local agents helps meet the unique needs of Pocatello residents. Check out our State Farm auto insurance review.
- Great Discount Choices: Wide range of discounts like safe driver savings makes it a smart choice for those seeking top insurance value in the Pocatello area.
- Trusted Reputation: Strong financial stability and high customer satisfaction ratings make it a solid choice for reliable Pocatello coverage.
Cons
- Higher Rates for Young Pocatello Drivers: Younger drivers in Pocatello may find State Farm’s rates higher than competitors.
- Limited Custom Options: Some Pocatello policyholders may find fewer customization options compared to other providers.
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#2 – Progressive: Best for Snapshot Program
Pros
- Rewarding Safe Driving: The Snapshot program offers Pocatello drivers rewards for safe driving behavior, which can result in lower premiums.
- Affordable for High-Risk Drivers: Known for competitive rates for high-risk drivers, making it a top option for Pocatello residents with imperfect records.
- Convenient Digital Access: User-friendly app and online tools make managing policies easy for Pocatello customers on the go.
Cons
- Variable Customer Service: Some Pocatello customers may experience inconsistency in customer service across locations. Take a look at our Progressive auto insurance review.
- Higher Premiums for Low Credit: Drivers with low credit scores in Pocatello may see increased rates compared to other insurers.
#3 – Allstate: Best for Driving Discounts
Pros
- Discounts for Good Driving: Pocatello drivers can save with Drivewise discounts, making it an attractive option for safe drivers.
- Comprehensive Coverage Choices: Allstate’s extensive policy options suit a wide variety of Pocatello residents’ needs. Visit our Allstate auto insurance review.
- High Claims Satisfaction: Positive claims handling makes it a good choice for Pocatello drivers looking for reliable service in times of need.
Cons
- Higher Rates for Younger Drivers: Young drivers in Pocatello may find Allstate’s premiums higher than some competitors.
- Post-Claim Rate Increases: Pocatello drivers may see rates increase even after minor claims, which could be a drawback.
#4 – The Hartford: Best for Senior Programs
Pros
- Senior-Friendly Policies: Tailored coverage for seniors in Pocatello, particularly AARP members, with special benefits.
- Fast Claims Processing: Known for efficient claims service, ideal for Pocatello residents seeking a hassle-free experience.
- Multi-Policy Discounts: Pocatello customers can bundle policies for added savings on home and auto insurance.
Cons
- Limited to Seniors: Primarily available to Pocatello’s senior population, which may limit its appeal. Refer to our The Hartford auto insurance review.
- Higher Non-AARP Premiums: Pocatello drivers without AARP membership may face higher costs compared to members.
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#5 – Travelers: Best for Hybrid Discounts
Pros
- Green Discounts: Offers eco-friendly savings for hybrid drivers, making it appealing to environmentally conscious Pocatello residents.
- Flexible Policies: Customizable options for Pocatello drivers seeking personalized coverage. Visit our Travelers auto insurance review.
- Trusted Financial Backing: A strong history of financial stability makes it a reliable choice for Pocatello’s top insurance needs.
Cons
- High Rates for Young Pocatello Drivers: Younger drivers may find rates less competitive.
- Uneven Perks by State: Pocatello customers may find discounts and benefits vary, depending on Idaho-specific policies.
#6 – USAA: Best for Military Benefits
Pros
- Exclusive Military Benefits: Tailored specifically for military families in Pocatello, offering unique perks and coverage.
- Outstanding Customer Satisfaction: Known for high customer ratings, USAA provides trusted service for Pocatello’s military community.
- Affordable Premiums: Competitive rates make it a popular option among Pocatello’s active-duty and veteran families.
Cons
- Restricted Access: Only available to military-affiliated individuals, limiting access for Pocatello’s general population.
- Fewer Physical Offices: Limited office locations may be inconvenient for some Pocatello customers. Check out our USAA auto insurance review.
#7 – Farmers: Best for Claims Assistance
Pros
- Dependable Claims Support: Farmers is known for strong claims assistance, helping Pocatello residents navigate the claims process smoothly.
- Coverage Variety: Offers extensive add-ons, appealing to Pocatello drivers looking to tailor their policies. Visit our Farmers auto insurance review.
- Bundling Savings: Offers discounts for bundling, which Pocatello families can leverage for savings on multiple policies.
Cons
- Higher Average Premiums: Pocatello residents may find Farmers’ rates higher than some competitors.
- Limited Discounts: Offers fewer discounts, which may be a disadvantage for Pocatello drivers seeking budget-friendly coverage.
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#8 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Flexible options appeal to Pocatello drivers who need specific coverage.
- Accident Forgiveness: Pocatello customers can benefit from stable premiums after their first at-fault accident.
- Diverse Discount Options: Includes multi-car, safe driving, and other discounts to suit a range of Pocatello residents.
Cons
- Higher Rates for Some: Premiums may be higher for young or high-risk drivers in Pocatello. Refer to our Liberty Mutual auto insurance review.
- Mixed Reviews on Claims: Pocatello residents have reported varying experiences with the claims process.
#9 – American Family: Best for Teen Discounts
Pros
- Teen Driver Discounts: Pocatello families with teen drivers can save through specific discount programs.
- Bundling Benefits: Offers discounts on combined policies, making it a cost-effective choice for Pocatello families.
- Personalized Local Support: Known for attentive, individualized service to meet Pocatello residents’ needs.
Cons
- Location Limitations: Coverage offerings may vary, potentially limiting options for some Pocatello residents. Refer to our American Family auto insurance review.
- Higher Premiums for Young Drivers: Younger drivers in Pocatello may face higher rates compared to older policyholders.
#10 – Nationwide: Best for Accident Forgiveness
Pros
- Rate Stability: Offers accident forgiveness, keeping rates stable for Pocatello drivers after a first accident.
- Broad Coverage Options: Includes options like vanishing deductibles, which may appeal to long-term Pocatello residents.
- Convenient Online Tools: Pocatello customers benefit from an intuitive website and mobile app. Read more through our Nationwide auto insurance review.
Cons
- Higher Overall Rates: Nationwide may be pricier for some Pocatello drivers compared to other insurers.
- Limited Discount Selection: Offers fewer discounts, which might affect Pocatello residents seeking maximum savings.
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Minimum Auto Insurance Coverage Requirements in Idaho
Liability coverage is a wonderfully affordable option if you are driving around in an older, less expensive vehicle, and it can be even more budget-friendly if you qualify for a safe driver discount.
Best Pocatello, ID Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$60 $150
$53 $138
$58 $140
$80 $185
$75 $170
$55 $140
$50 $130
$95 $195
$52 $135
$48 $125
By maintaining a clean driving record, you could reduce your premiums while still meeting essential insurance requirements.
Anything that’s still shiny and new, however, will necessitate a more comprehensive auto policy. Right now, your typical Idaho driver is paying around $88 per month for their automotive insurance.
Auto Insurance Discounts From the Top Providers in Pocatello, ID
Insurance Company Available Discount
Safe Driver Discount, Multi-Policy Discount, New Car Discount, Anti-Theft Device Discount, Good Student Discount, Early Signing Discount, Auto-Pay Discount
Multi-Policy Discount, Good Student Discount, Safe Driver Discount, Defensive Driver Discount, Low Mileage Discount, Teen Safe Driver Discount
Multi-Policy Discount, Signal® Safe Driving Discount, Good Student Discount, Anti-Theft Discount, Bundling Discount, Senior Driver Discount
Multi-Policy Discount, Safe Driver Discount, Hybrid Vehicle Discount, Anti-Theft Discount, New Car Discount, Low Mileage Discount
Multi-Policy Discount, Safe Driver Discount, Defensive Driving Discount, Anti-Theft Discount, Paperless Discount, Accident-Free Discount, SmartRide® Discount
Snapshot® Discount, Multi-Car Discount, Multi-Policy Discount, Homeowner Discount, Good Student Discount, Paperless Discount, Pay-in-Full Discount
Multi-Policy Discount, Good Driver Discount, Accident-Free Discount, Good Student Discount, Anti-Theft Discount, Safe Vehicle Discount
AARP Member Discount, Multi-Policy Discount, Defensive Driver Discount, Bundling Discount, Vehicle Safety Feature Discount, Pay-in-Full Discount
Safe Driver Discount, Multi-Policy Discount, Hybrid Vehicle Discount, Good Payer Discount, Good Student Discount, Continuous Insurance Discount, Homeownership Discount
Military Discount, Safe Driver Discount, Good Student Discount, Multi-Policy Discount, Vehicle Storage Discount, Defensive Driving Discount, Loyalty Discount
If this sounds like you, then we have good news: you can get as low as $25/month just for living in Pocatello. Keep reading, and we’ll show you some of the best ways to get a lower rate. Enter your ZIP code now to begin.
Pocatello, Idaho Cheapest Auto Insurance
There are a variety of companies offering competitive rates, such as Guzman Insurance Pocatello, Idaho, James Insurance Pocatello, Idaho, Progressive Insurance Pocatello, Idaho, Mutual Insurance Associates Inc. Pocatello ID, and more.
Pocatello, ID Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | A | Low traffic density reduces the likelihood of accidents. |
| Vehicle Theft Rate | A- | Below national average, leading to lower premiums. |
| Weather-Related Risk | B+ | Moderate risk due to occasional snow and ice in winter months. |
| Uninsured Drivers Rate | B | Slightly above average but not a major concern for insurers. |
| Average Claim Size | B | Claims are average, reflecting the rural-urban mix in the region. |
Liberty Mutual, as well as State Farm and Oregon Mutual, are fighting a bidding war for the lowest rates in Pocatello right now. But do those low rates come with a higher standard of customer service? Or a simple and stress-free claims filing process?
These are important questions to ask before you decide to switch Pocatello, Idaho auto insurance companies. Take, for example, Allstate Pocatello, Idaho. There are a number of Allstate Pocatello jobs, but of note is an Allstate call center near Pocatello, Idaho.
Chris Abrams
Licensed Insurance Agent
Auto insurance carriers evaluate various elements when figuring out Pocatello, ID auto insurance quotes, including gender, marital status, occupation, years of driving experience, and business use of the vehicle.
In addition, premiums differ from company to company, and rates may be affected by the driving records associated with each insurer’s policyholders.
Pocatello, ID Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents Per Year | 1,500 |
| Claims Per Year | 1,300 |
| Average Claim Cost | $3,200 |
| Percentage of Uninsured Drivers | 10.8% |
| Vehicle Theft Rate | 0.9% |
| Traffic Density | 600 vehicles/mile |
| Weather-Related Incidents | 12% |
Some companies with worst drunk driving records might have higher rates due to increased risk. To make sure you’re still getting the most favorable rate, compare and find cheap car insurance in Idaho here. Enter your ZIP code now to begin comparing.
Major Factors in Cheap Car Insurance in Pocatello, Idaho
There is a variety of various items that might factor into the rate quotes you are provided with. Even though a portion of these factors aren’t really something you can do something about, some of them are elements which you can change for the better.
Here are a few things that might change your car insurance premium:
Your ZIP Code
The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Pocatello is 54,350 and the median household income is $38,746.
Automotive Accidents
If you live in a densely populated area with a lot of accidents, that increases your risk for not only getting into an accident yourself, but also for paying higher rates on car insurance. Thankfully, the most recent accident statistics for Pocatello are very low. This means that you should be getting lower rates automatically.
Auto Thefts in Pocatello
Living in a large city will increase your risk of being a victim of auto theft. If your general location has high rates of theft and claims, you can expect to pay more for auto insurance to offset these costs.
The total number of stolen vehicles in Pocatello was 83 back in 2013. That’s almost double the amount of theft from the year before. If you don’t want to be financially responsible in the event that your vehicle gets stolen, try adding Comprehensive coverage to your policy.
Your Credit Score
People with excellent credit also tend to get offered excellent rates on their automobile insurance. Poor credit, on the other hand, will get you a hefty monthly premium. Just take a look at the chart – people with poor credit are paying double or even triple what everyone else is being charged.
Your Age
Because younger drivers don’t have as much experience on the road as older adults, they are much riskier for insurance companies to cover. Due to this, motorists under the age of 25 get charged exorbitant rates. Thankfully, there are Driver’s Ed and Good Student discounts available.
Your Vehicle
You don’t necessarily need a “Cadillac Plan” to insure an old, used clunker of a car. But if you have the money to splurge on a luxury vehicle, you’re going to have to splurge on a comprehensive insurance policy, too. It’s the only way to protect your investment.
With these factors in mind, drivers in Pocatello, Idaho, can make informed decisions to help reduce their car insurance premiums.
By understanding the impact of location, accident rates, theft risk, credit score, age, and vehicle type, you can work toward securing the most affordable and suitable coverage for your needs. Enter your ZIP code now to begin comparing rates.
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Frequently Asked Questions
Which insurance provider is known for personalized service in Pocatello, Idaho?
State Farm is known for its highly personalized service, provided through local agents who understand the specific needs of Pocatello residents. This personal touch helps drivers feel more supported and connected to their insurance provider.
What program does Progressive offer to help safe drivers lower their rates?
Progressive offers the snapshot program, which rewards Pocatello drivers for safe driving habits with potential rate reductions. This program is ideal for drivers who want to save by maintaining a clean record. Enter your ZIP code now to begin comparing.
How can Pocatello drivers with good driving records benefit from Allstate?
Allstate offers Drivewise, a program that allows Pocatello drivers with good driving records to access special discounts, including the good student discount. Safe drivers and students with good grades can benefit from these discounts, reducing their monthly premiums even further.
Why might The Hartford be a good option for senior drivers in Pocatello?
The Hartford is a top choice for senior drivers in Pocatello, particularly those with AARP membership. It provides tailored coverage options and benefits that are specifically designed for seniors.
Which insurance company offers green discounts specifically for hybrid drivers?
Travelers offers eco-friendly green discounts for drivers with hybrid vehicles, making it a good choice for environmentally conscious Pocatello residents.
These discounts help hybrid drivers save money while supporting sustainable practices. Enter your ZIP code now to begin comparing.
Who is eligible for USAA’s military benefits in Pocatello?
USAA provides exclusive military benefits, available only to Pocatello drivers who are current or former military members or their families.
This makes USAA ideal for military families who want affordable coverage and special perks, including the “Anti-Theft Device Discount“, which can lower premiums for vehicles equipped with security features.
What advantage does Farmers offer Pocatello residents for bundling policies?
Farmers offers a bundling discount that helps Pocatello residents save money when combining home and auto policies. This discount can be especially helpful for families seeking affordable, comprehensive coverage.
How does Liberty Mutual’s accident forgiveness benefit Pocatello drivers?
Liberty Mutual offers accident forgiveness, which keeps rates stable for Pocatello drivers after their first at-fault accident.
This feature allows drivers to avoid premium hikes following a single incident. Enter your ZIP code now to begin comparing.
What discount does American Family provide for families with teen drivers?
American Family provides discounts specifically for families with teen drivers, helping to offset the higher rates that young drivers typically face.
Additionally, they offer a renters discount for families who rent their homes, which can make it an even more affordable option for Pocatello families with new, young drivers.
How does Nationwide help Pocatello drivers keep rates stable after an accident?
Nationwide offers accident forgiveness to help Pocatello drivers maintain stable rates after their first accident. This feature is ideal for drivers looking for long-term rate stability and peace of mind.