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Cheap Auto Insurance Quotes in Meridian, ID (May 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Quick Facts

  • The average cost of car insurance in Meridian is $133 per month, or $1596 annually.
  • Car insurance in Meridian is $1 less than the average cost of car insurance in Idaho.
  • The cheapest car insurance provider in Meridian on average is Foremost GroupSelect℠, but you should always compare quotes to find your best personal rate.

Car Insurance in Meridian, ID

The average cost of Idaho car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Meridian, ID to find you the cheapest quotes in the area.

Quotes by Top Companies

State Farm
$66
Progressive
$77
American Family
$162
Liberty Mutual
$163
The General
$177

Cheapest Car Insurance in Meridian, ID

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in MeridianQuotes
State Farm$66 /mo
Progressive$77 /mo
American Family$162 /mo
Liberty Mutual$163 /mo
The General$177 /mo

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Average Car Insurance Cost

Idaho Cities
Boise$112/mo
Nampa$121/mo
Idaho Falls$108/mo
Pocatello$99/mo
Meridian$129/mo
Idaho$114/mo
Pocatello
$99
Idaho Falls
$108
Boise
$112
Average for ID
$114
Nampa
$121
Meridian
$129
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in ID

Every state is unique when it comes to car insurance requirementsThe requirements in Idaho are only slightly higher than the national averageMinimum coverage in Idaho includes:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Optional coverage includes $25,000/$50,000 uninsured and underinsured motorist coverage. However, to waive that coverage Idaho drivers must do so in writing (according to Idaho Insurance Code §41-2502)

Green Driving in Meridian ID

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint.

Idaho has well-documented air pollution issues. Among the most pressing concerns in the state are the smoke levels that are obscuring the Foothills region, which is said to have contributed to a rise in pulmonary disease. The state of Idaho offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Insurify's Greenest Cities

Meridian

1%% of Hybrids / Electrics

FAQs - Meridian, ID Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Meridian Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Meridian, Idaho below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Meridian drivers measure up to their fellow motorists across Idaho in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Meridian

#1

City with the Most Speeding Tickets Rank in Idaho

#10

City with the Most Moving Violations Rank in Idaho

#9

City with the Most DUIs Rank in Idaho

#8

City with the Most Suspended Licenses in Idaho

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Meridian drivers rank 18 in the number of car accidents per driver across all cities in Idaho.

    • Rank within state: #18
    • Percent of drivers in Meridian with an accident: 10.12%
    • Drivers in Meridian, ID with an accident in their driving history pay on average 18.57% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Idaho, Meridian drivers rank 1 in the number of speeding infractions per driver.

    • Rank within state: #1
    • Percent of drivers in Meridian with a speeding ticket: 14.58%
    • Drivers in Meridian, ID with a speeding ticket in their driving history pay on average 8.57% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Meridian drivers rank 9 in the number of DUI’s per driver across all cities in Idaho.

    • Rank within state: #9
    • Percent of drivers in Meridian with a DUI: 2.53%
    • Drivers in Meridian, ID with a DUI in their driving history pay on average -95% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Meridian is the Ford F-Series Pickup.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Idaho, Meridian drivers rank 7 in rude driving infractions.

    • Rank within state: #7
    • Percent of drivers in Meridian with a reckless driving violation: 2.98%
    • Drivers in Meridian, ID with a reckless driving violation in their driving history pay on average 4.29% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Meridian drivers rank 4 in clean driving records across all cities in Idaho.

    • Rank within state: #4
    • Percent of drivers in Meridian with clean record: 75.89%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Meridian drivers rank 4 in failure to yield violations per driver across all cities in Idaho.

    • Rank within state: #4
    • Percent of drivers in Meridian with a failure to yield violation: 0.89%
    • Drivers in Meridian, ID with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Idaho, Meridian drivers rank 4 in the number of reckless driving offenses per driver.

    • Rank within state: #4
    • Percent of drivers in Meridian with a reckless driving offense: 0.3%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Meridian drivers rank 1 in hybrid and electric vehicle ownership across all cities in Idaho.

    • Rank within state: #1
    • Percent of drivers in Meridian with a hybrid/electric vehicle: 1.14%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others

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