Cheap Auto Insurance Quotes in Moscow, ID (January 2022)

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Last Updated: January 2022

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.

$113
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DairylandLiberty Mutual

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.

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.

Average Car Insurance Cost

$117
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$114
IdahoBoiseNampaMeridianIdaho FallsMoscow
Click here to learn about car insurance quotes and save on your current policy.

Moscow, ID Driving Facts

idaho

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)

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.

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.

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:

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.

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

Insurify Insights: How Moscow Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Moscow, ID
suspended licenses
#--
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Moscow drivers measure up to their fellow Idaho motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Most Popular Vehicle in Moscow

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.

DUI/DWIs in Moscow

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: #--
  • Percent of drivers in Moscow with a DUI: {{percentDrivers}}%
  • Drivers in Moscow, ID with a DUI in their driving history paid on average {{overpay}}% more than drivers with a clean record

Speeding in Moscow

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: #--
  • Percent of drivers in Moscow with a speeding ticket: {{percentDrivers}}%
  • Drivers in Moscow, ID with a speeding ticket in their driving history paid on average {{overpay}}% more than drivers with a clean record

FAQs - Moscow, ID Car Insurance

How do I find cheap car insurance in Moscow, ID?

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.

How much does car insurance cost in Moscow, ID?

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.

What drives up car insurance rates in Moscow, ID?

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.

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.


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