Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Updated November 20, 2024
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Table of contents
Drivers in Pocatello pay an overall average of $97 per month for car insurance, slightly higher than the Idaho state average of $100 but cheaper than the national average of $154 per month.
Pocatello is the sixth-largest city in Idaho, contributing to its higher-than-average rates.[1] If you’re looking for cheaper rates, it’s a good idea to compare car insurance quotes from multiple insurers.
Here’s what you need to know about cheap car insurance in Pocatello.
National General, Progressive, and Dairyland are the cheapest car insurance companies for Pocatello drivers.
Unless you own more than 25 vehicles, you must carry liability car insurance in Idaho.[2]
Insurers in Idaho can consider your credit history when determining your rates.
Cheapest car insurance companies in Pocatello
Fortunately, a variety of reputable car insurance companies serve drivers in the Pocatello, Idaho, community. Factors like your location, marital status, and driving record all play a role in which car insurance agencies can provide you with the cheapest auto insurance coverage. Liberty Mutual, Safeco, and Progressive are three options you might want to consider.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
---|---|---|---|---|
Liberty Mutual | 7.7 | $135 | $70 | Safe drivers |
Safeco | 8.3 | $105 | $64 | Personalized service |
Progressive | 8.4 | $92 | $58 | Student drivers |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for safe drivers: Liberty Mutual
User Reviews | 3.7 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $68/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $131/mo |
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
Michael
November 19, 2024
Go Elsewhere
Deborah
November 12, 2024
Examine Every Inch of Your Policy
Lee
November 12, 2024
Ugh!
Liberty Mutual offers RightTrack, a usage-based insurance program, which can help responsible Pocatello drivers save on car insurance costs. It uses telematics technology to collect data on driving behaviors and understand your driver profile.
If you can prove that you’re a good driver, you might be able to score a discount of up to 30%. You’ll save 10% right away just for signing up.
Discounts available via RightTrack usage-based insurance program
Car replacement coverage available
Below-average J.D. Power customer satisfaction score in the Northwest region
Car replacement coverage not available for old cars
Best insurer for personalized service: Safeco
User Reviews | 4.5 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $62/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $103/mo |
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
Sarah
November 10, 2024
Too Expensive
Bonnie
November 2, 2024
The Price of Car Insurance
Harris
October 31, 2024
Just Fine
Safeco, which is a subsidiary of Liberty Mutual and a separate entity, has a number of independent insurance agents in the Pocatello area who can answer your insurance questions and offer great rates and effective insurance solutions. They can inform you of the various coverage options and discounts available so you can land the best deal on a car insurance policy. You can communicate with them via phone, text message, or email.[3]
Personalized customer service from a local car insurance agent
Wide range of available coverage options
Can’t get a quote online
Fewer available discounts than other insurers
Best insurer for student drivers: Progressive
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 819 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $89/mo |
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
Steven
November 19, 2024
I'll Stay with Them, No One Can Beat Them!
Lesley
November 16, 2024
Disappointed
Joyce
November 14, 2024
Unfair Pricing
Because Pocatello is home to Idaho State University, many students and young drivers are on the area’s roads. If you’re a student, teen, or young driver in Pocatello, you may be able to score a discount from Progressive, such as a good student discount, distant student discount, or teen driver discount.
Gap insurance available
Offers SR-22 filings
New-car replacement coverage not available
Below-average J.D. Power customer satisfaction score in the Northwest region
How to get the cheapest car insurance in Pocatello
No matter your driving history, you have ways to find cheap car insurance in Pocatello. Here are some tips to help you secure affordable coverage:
Shop around. You should get quotes from at least three different car insurance companies. Then, compare rates, coverage levels, and customer satisfaction reviews to figure out the right coverage for your needs.
Look for discounts. Most car insurance companies offer a plethora of discounts for policyholders who meet certain criteria, such as the autopay discount, anti-theft device discount, homeowners insurance discount, and loyalty discount. You can visit an insurance company’s website or consult a car insurance agent to learn about which discounts are available.
Bundle policies. If you purchase your auto insurance from the same company as your home insurance, renters insurance, health insurance, or life insurance, you may be able to land a great deal on your auto policy.
Consider usage-based insurance plans. If you only drive on occasion because you’re retired or work from home, for example, you can lower your car insurance costs with a pay-per-mile policy. You’ll only pay for the miles you drive.
Drive safely. Incidents like speeding, at-fault accidents, and DUIs can lead to higher car insurance premiums. Practice safe driving habits to maintain a clean record and cheaper rates.
Cheapest liability-only car insurance in Pocatello: National General
Idaho law requires liability car insurance to drive in Pocatello. It pays for the other party’s property damage and medical bills after an at-fault accident. It’s typically the cheapest type of auto insurance available.
National General offers the most affordable liability-only policies in Pocatello, at $52 per month.
This table shows car insurance companies with the cheapest rates for liability coverage in Pocatello.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
National General | $52 |
Progressive | $56 |
Dairyland | $59 |
Safeco | $62 |
Direct Auto | $64 |
Liberty Mutual | $68 |
Bristol West | $80 |
Foremost | $83 |
The General | $101 |
Cheapest full-coverage car insurance in Pocatello: Progressive
Full-coverage car insurance usually includes liability, collision, and comprehensive coverage. It can provide you with extra protection and might be mandatory if you have a loan or lease on your vehicle.
Pocatello residents can find the cheapest full-coverage insurance with Progressive, with rates of $89 per month.
The table below shows the cheapest auto insurers in the city for full-coverage insurance.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Progressive | $89 |
National General | $103 |
Safeco | $103 |
Direct Auto | $115 |
Dairyland | $126 |
Liberty Mutual | $131 |
Foremost | $164 |
The General | $189 |
Bristol West | $195 |
Cheapest recent rates near Pocatello, Idaho
Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $71/mo for full coverage in Pocatello and other Idaho cities.
*Quotes generated for Insurify users in and around Pocatello, Idaho within the last 10 days. Last updated on November 20, 2024
*Quotes generated for Insurify users in and around Pocatello, Idaho within the last 10 days. Last updated on November 20, 2024
Car insurance requirements in Idaho
Idaho is an at-fault, or tort, state. This means the driver who caused the accident is responsible for any property damage or medical bills the drivers or passengers in another vehicle face. Be sure to carry your car insurance card when you drive so you can show proof of insurance. Otherwise, you might be on the hook for hefty fees and other consequences.
Here are the minimum car insurance requirements in Idaho:[4]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $25,000 per person / $50,000 per accident |
Property damage liability | $15,000 per accident |
Idaho requires car insurance companies to offer uninsured motorist coverage at the same limits above unless the driver rejects the coverage in writing.
While Idaho car insurance laws require bodily injury and property damage liability, you may invest in optional auto insurance coverage for extra protection and peace of mind. These additional insurance products include:
Collision coverage
Comprehensive coverage pays for damages from non-collision events, like fire, theft, and vandalism.
Comprehensive coverage
Collision coverage pays for repairs or a replacement after an accident with another vehicle or object, regardless of fault.
Uninsured/underinsured motorist coverage
Uninsured motorist coverage kicks in if a driver without car insurance causes a car accident and you face injuries or property damage.
Medical payments coverage
Medical payments coverage is similar to personal injury protection (PIP) and covers medical bills after an accident, no matter who caused it.
Cheapest car insurance for drivers with an incident
Incidents such as at-fault accidents, speeding tickets, and DUIs on your driving record can lead to higher car insurance rates. This is because car insurance companies will perceive you as a high-risk driver who’s more likely to file a claim. Pocatello drivers with clean records typically secure the lowest rates.
Here’s an overview of the insurance companies with the cheapest average car insurance quotes in Pocatello, based on driving history.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
National General | $52 | $71 | $73 | $88 |
Progressive | $56 | $76 | $79 | $95 |
Dairyland | $59 | $80 | $82 | $100 |
Safeco | $62 | $86 | $86 | $97 |
Direct Auto | $64 | $87 | $92 | $108 |
Liberty Mutual | $68 | $99 | $101 | $115 |
Bristol West | $80 | $110 | $112 | $135 |
Foremost | $83 | $121 | $124 | $140 |
The General | $101 | $140 | $144 | $171 |
Average cost of car insurance by age
Your age can have a significant effect on your car insurance rates. Teen drivers and young adults typically pay the highest car insurance rates due to their lack of experience behind the wheel.
Average premiums typically decrease around age 35 and increase again around age 70. This is due to physical and mental limitations senior drivers usually experience, such as poor vision and slower reflexes.
The table below shows the cheapest car insurance quotes for Pocatello residents by age.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $247 |
20s | $164 |
30s | $118 |
40s | $107 |
50s | $94 |
60s | $90 |
70s | $103 |
Pocatello car insurance quotes by credit tier
Unlike some states, Idaho allows auto insurance companies to consider your credit history when they underwrite your policy and determine your premium — but it can’t be the only factor they consider.[5]
Drivers with good or excellent credit typically pay less than drivers with poor credit. Here’s a look at average premiums for Pocatello drivers with various credit scores.
Rates by Credit Tier
Pocatello car insurance FAQs
Finding the right car insurance can be a challenge. Below are answers to some of the most commonly asked questions about car insurance in Pocatello.
How much is car insurance in Pocatello?
The average cost of car insurance in Pocatello is $97 per month. Pocatello drivers pay $71 per month for liability coverage and $123 for full-coverage car insurance, on average. Your exact car insurance premium will depend on your driving record, age, credit history, and other factors.
Which company has the cheapest car insurance in Pocatello?
National General offers the cheapest liability car insurance in Pocatello, at $52 per month. Progressive is the second-cheapest insurer in the city, with a rate of $56. The third-cheapest insurer, Dairyland, has a liability-only rate of $59 per month.
Comparing quotes from multiple insurance companies is the best way to find the cheapest car insurance for your coverage needs.
What are the best car insurance companies in Pocatello?
Progressive is the best car insurance company in Pocatello, with an Insurify Quality (IQ) Score of 3.9 out of 5, an AM Best financial strength rating of A+ (Superior), and high customer satisfaction ratings. Other top insurers include Liberty Mutual and Safeco.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Idaho
Sources
- CUBIT. "Idaho Cities by Population."
- Idaho Transportation Department. "Idaho’s Motor Vehicle Self-Insurance Program."
- Safeco. "Find Agents: 83201."
- Idaho Department of Insurance. "Required Auto Coverage."
- Idaho Legislature. "TITLE 41 INSURANCE CHAPTER 18 THE INSURANCE CONTRACT."
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
Featured in