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Cheap Auto Insurance Quotes in Moscow, ID (June 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

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Moscow, ID

Because Idaho law requires drivers to have auto insurance coverage, finding the right car insurance policy is an important step towards safe driving in Moscow. With Insurify, you can compare quotes from national insurance companies like State Farm, Nationwide, and GEICO along with local providers so you can quickly find the cheapest deal on auto insurance rates.

Quick Facts

  • The average cost of car insurance in Moscow is $124 per month, or $1488 annually.
  • Car insurance in Moscow is $10 less than the average cost of car insurance in Idaho.
  • The cheapest car insurance provider in Moscow on average is Travelers, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Dairyland
$113
Liberty Mutual
$115

Cheapest Car Insurance in Moscow, ID

The cost of car insurance can vary between insurance providers. That’s because every insurance company weighs information like your driving history and your age a little bit differently. differently. While the following car insurance companies offer the cheapest premiums on average, it’s important to compare quotes to make sure you’re getting the best possible deal.

Insurance Provider in MoscowQuotes
Dairyland$113 /mo
Liberty Mutual$115 /mo

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Best Car Insurance in Moscow, ID

While buying cheap car insurance is important, the insurance company with the lowest premium and highest deductible might not always be the best option. The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. The following is our top rated provider that offers car insurance in Moscow.

Best CompaniesScoreQuotes
Liberty Mutual82$115 /mo

Average Car Insurance Cost

Idaho Cities
Boise$112/mo
Nampa$121/mo
Meridian$129/mo
Idaho Falls$108/mo
Moscow$114/mo
Idaho$117/mo
Idaho Falls
$108
Boise
$112
Moscow
$114
Average for ID
$117
Nampa
$121
Meridian
$129
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Idaho

All motor vehicles operated or parked on Idaho roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Idaho[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Idaho is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Idaho, this coverage is optional but recommended for all drivers.

Moscow Car Insurance Rates by Driver Age

Did you know that your age can affect your insurance rates? Young drivers are the most expensive to insure due to their inexperience on the road, while older drivers see the lowest premiums. Here’s what you can expect to pay for an auto insurance policy in Idaho based on your age. Keep in mind that these are statewide averages and rates may vary in Moscow.
Driver's AgeAvg. Monthly Cost
Teens$266
20s$142
30s$104
40s$92
50s$83
60s$81
70s$94
80+$105

Moscow Car Insurance Rates by Driving and Accident History

Your driving history will largely impact what you pay for car insurance. If you have an infraction on your driving record, insurance companies tend to view you as a higher risk to insure. Here’s what drivers with any of these incidents pay compared to a driver with a clean record in the state of Idaho. Keep in mind that rates may differ in Moscow.
Driving HistoryAvg. Monthly Cost
Clean Record$122
Speeding Ticket$159
At-Fault Accident$164
DUI$242

Moscow Car Insurance Rates by Credit Tier

About 95 percent of insurance providers will use your credit score when determining your premium. That’s because research shows that drivers with good credit file fewer claims. If you have bad credit, you’ll likely see higher rates. Here’s what you can expect to pay for car insurance Idaho based on your credit score:
Credit TierAvg. Monthly Cost
Excellent$123
Good$131
Average$153
Bad$190

Find local Moscow agents

  • American Insurance Agency

    604 S Washington,
    Moscow, ID 83843-0179
  • Kuespert Insurance

    127 S Washington St #4,
    Moscow, ID 83843
  • Farmers Insurance - Jon Kimberling

    205 S Main St,
    Moscow, ID 83843
  • Ted Curet: Allstate Insurance

    117 W D St,
    Moscow, ID 83843
  • Jamie Knudson - State Farm Insurance Agent

    318 S Main St,
    Moscow, ID 83843
  • Leavitt Group - Leavitt Inland Pacific Insurance Services

    317 W 6th St #107,
    Moscow, ID 83843
  • Elissa Edmonds - State Farm Insurance Agent

    116 W C St,
    Moscow, ID 83843
  • Farmers Insurance - Gregory Kimberling

    114 E 5th St,
    Moscow, ID 83843
  • Farm Bureau Insurance

    220 Farm Rd,
    Moscow, ID 83843
  • Farmers Insurance - Matt Manderville

    108 Short St,
    Moscow, ID 83843
View more

Moscow DMV Information

Drivers in Moscow, Idaho can visit the Latah County Department of Motor Vehicles for all of their licensing and registration needs. The office is open from 9:00 a.m. to 4:00 p.m. Monday through Friday, and visitors can either make an appointment or just walk in. The Latah County DMV is located at: 

200 S Almon St #101
Moscow, ID 83843

Public Transportation in Moscow

The Sustainable Moscow Area Regional Transit (SMART) provides bus service in Moscow for residents in and around the city. Rides are completely free, and all buses are ADA wheelchair accessible. Residents can find a ride from 6:40 a.m. to 7:00 p.m. Monday through Friday, and from 8:10 a.m. to 4:00 p.m. Saturday. 

Still, many people choose to drive to get around Moscow, and all drivers should ensure that they are properly ensured before they get behind the wheel. 

How to get the cheapest car insurance in Moscow

Shopping for insurance can seem like a daunting task, but it doesn’t need to be. There’s no need to waste time calling multiple insurance agents and visiting a variety of insurance agencies to find the perfect auto insurance policy. Instead, use Insurify to find the best rates available by comparing dozens of insurance quotes side-by-side in under five minutes. 

Give yourself peace of mind with sufficient car insurance coverage. Don’t become just one more uninsured motorist — use Insurify to find the best and cheapest car insurance out there. You can also use Insurify to shop for home insurance and life insurance.

FAQs - Moscow, ID Car Insurance

  • You can use Insurify to find the car insurance companies that can offer you the cheapest premiums in Moscow. You’ll just need to enter your information once to get started. From there, we’ll provide quotes from national insurance providers like Allstate and Farmers insurance along with quotes from local agents so you can find the best rate for you.

  • The average cost of car insurance in Moscow, Idaho is $99 per month, or $1,188 per year. However, keep in mind that rates will vary based on a driver's age, gender, driving record, and credit score. That’s why it’s important to compare quotes in order to find the best deal in car insurance for you. You can also save by bundling your auto insurance policy with renters insurance, homeowners insurance, or business insurance.
  • Individual factors such as a bad driving record or poor credit can cause your car insurance rates to increase. The coverage options you choose can also make car insurance more expensive. For example, a full-coverage car insurance policy will cost more than the minimum required liability only insurance.

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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 Moscow 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 Moscow, 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 Moscow 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 Moscow

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City with the Most Speeding Tickets Rank in Idaho

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City with the Most Moving Violations Rank in Idaho

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City with the Most DUIs Rank in Idaho

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City with the Most Suspended Licenses in Idaho

  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Moscow is the Ford F-Series Pickup.

  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Moscow drivers rank in the number of DUI’s per driver across all cities in Idaho.

    • Rank within state: N/A
    • Percent of drivers in Moscow with a DUI: N/A
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Idaho, Moscow drivers rank in the number of speeding infractions per driver.

    • Rank within state: N/A
    • Percent of drivers in Moscow with a speeding ticket: N/A
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.

Learn More

Sources

  1. Idaho Department of Insurance. "State Minimum Car Insurance." Accessed May 28, 2022