Cheap Auto Insurance Quotes in Twin Falls, ID (2021)

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Just over 50,000 people call Twin Falls home, and driving is the primary mode of transportation. Finding the best car insurance rate is a victory that tastes as sweet as potato ice cream.

Over 95 percent of Twin Fall households own cars. With that many people commuting, the right auto insurance policy shines forth in the Gem State.

Car Insurance in Twin Falls, 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 Twin Falls, ID to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$28
$45
$60
$102
$152
ProgressiveAllstateState FarmNationwideLiberty Mutual
Monthly $

Cheapest Car Insurance in Twin Falls, ID

Here are the cheapest carriers in Twin Falls for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Twin Falls, ID

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Twin Falls. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$115
$112
$121
$129
$108
$104
IdahoBoiseNampaMeridianIdaho FallsTwin Falls
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Twin Falls, 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)

Twin Falls Car Insurance Rates by Driver Age

As demonstrated by the table below, younger drivers cost more to insure in Twin Falls than those their parents’ and grandparents’ age. Why? Immature drivers often make careless mistakes. These mistakes end up as claims that cost car insurance companies money. To recoup these losses, insurance companies charge higher rates for this age group overall. Teen drivers in Twin pay $237 to insure their ride monthly, while the twentysomething crowd pays premiums averaging out to $165.

Driving History
No Violation$129
Speeding Ticket$149
At-Fault Accident$123
Failure to Stop for Red Light / Stop Sign$151

Twin Falls Car Insurance Rates by Driving and Accident History

If you care about insurance costs, it makes no sense to speed in Twin Falls. Though you may have a perfect driving record now, speeders pay $148 a month on average for car insurance. That’s $20 more a month than someone without a violation. How does your insurance company even know you got a ticket? Insurance companies review behind-the-wheel behavior when they write a policy for you and when you renew. If your rates have gone up because you made a driving mistake, it may be an excellent time to compare policy rates at other places.

Twin Falls Car Insurance Rates by Credit Tier

Car insurance companies use credit-based insurance scores to calculate risk and assign rates. What does your credit score have to do with driving? Studies have shown that if you manage your money well (as revealed by your credit score), you’re less likely to file a claim. Insurance companies like this because they don’t want to lose money. Paying your bills on time is just one way you can keep your credit score intact. Drivers in Twin Falls who have a good credit score can expect to pay on average $140 for their insurance policy.

Twin Falls, ID DMV Information

The Twin Falls Department of Motor Vehicle Title and Registration office is at 630 Addison Ave. W, Twin Falls, ID 83301. The hours are Monday through Friday 8 a.m. to 4:30 p.m., and the phone number is 1 (208) 736-4000. If you want to skip the hassle, you can renew your vehicle online along with other choice services.

Public Transportation in Twin Falls, ID

Most Twin Falls residents drive, but the city has public transportation. The Trans IV Buses are a limited service provided by CSI. Buses not your speed? You can choose rideshare services like Uber or Lyft. Traditional tax companies like Central Idaho Taxi and Magic Valley can also get the job done.

Conclusion: How to get the best and cheapest car insurance in Twin Falls, ID

Someone once said there's nothing more beautiful than an Idaho sunset. Well, there might be a car insurance deal in Twin Falls that can change their mind. Try Insurify to see the best rates and compare dozens of insurance quotes in just a few seconds.

When over 8 percent of Idaho drivers have no insurance, you can't roll the dice on protection. Use Insurify to lasso the coverage and rate that's worthy enough to earn you a spot in the Snake River Stampede.

Find local Twin Falls agents

HUB International
157 River Vista Place, Twin Falls, ID 83330
Debbie Lattin Insurance
409 Fairfield St N, Twin Falls, ID 83301
Trinity Insurance Services, LLC
920 Applewood Dr, Twin Falls, ID 83316
Starley-Leavitt Ins
715 Shoshone St N, Twin Falls, ID 83301-6155
Farmers Insurance Group
356 2nd Ave N, Twin Falls, ID 83301
Magic Valley Insurance
710 Fillmore St Suite 100, Twin Falls, ID 83301
Mindy Payne: Allstate Insurance
1176 Blue Lakes Blvd N, Twin Falls, ID 83301
Matt Stokes - State Farm Insurance Agent
1821 Addison Ave E, Twin Falls, ID 83301
Doug Stokes - State Farm Insurance Agent
760 Blue Lakes Blvd N # 1, Twin Falls, ID 83301
Kristi Maier: Allstate Insurance
1411 Falls Ave E #101, Twin Falls, ID 83301

Insurify Insights: How Twin Falls Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Twin Falls, ID
suspended licenses
#3
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 Twin Falls 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.

Accidents Twin Falls

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. Twin Falls drivers rank 21 in the number of car accidents per driver across all cities in Idaho.

  • Rank within state: #21
  • Percent of drivers in Twin Falls with an accident: 8.4%
  • Drivers in Twin Falls, ID with an accident in their driving history paid on average 7.27% more than drivers with a clean record

Speeding Twin Falls

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Idaho, Twin Falls drivers rank 9 in the number of speeding infractions per driver.

  • Rank within state: #9
  • Percent of drivers in Twin Falls with a speeding ticket: 10.35%
  • Drivers in Twin Falls, ID with a speeding ticket in their driving history paid on average 38.18% more than drivers with a clean record

DUI/DWIs Twin Falls

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Twin Falls drivers rank 7 in the number of DUI’s per driver across all cities in Idaho.

  • Rank within state: #7
  • Percent of drivers in Twin Falls with a DUI: 2.93%
  • Drivers in Twin Falls, ID with a DUI in their driving history paid on average 0.91% more than drivers with a clean record

Most Popular Vehicle Twin Falls

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

Rude Twin Falls

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, Twin Falls drivers rank 5 in rude driving infractions.

  • Rank within state: #5
  • Percent of drivers in Twin Falls with a reckless driving violation: 3.13%
  • Drivers in Twin Falls, ID with a reckless driving violation in their driving history paid on average 28.18% more than drivers with a clean record.

Safest Drivers Twin Falls

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Twin Falls drivers rank 1 in clean driving records across all cities in Idaho.

  • Rank within state: #1
  • Percent of drivers in Twin Falls with clean record: 80.66%

Failure to Yield the Right of Way Twin Falls

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Twin Falls drivers rank 6 in failure to yield violations per driver across all cities in Idaho.

  • Rank within state: #6
  • Percent of drivers in Twin Falls with a failure to yield violation: 0.59%
  • Drivers in Twin Falls, ID with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Twin Falls

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, Twin Falls drivers rank 2 in the number of reckless driving offenses per driver.

  • Rank within state: #2
  • Percent of drivers in Twin Falls with a reckless driving offense: 0.39%

FAQs - Twin Falls, ID Car Insurance

Why is car insurance so expensive in Twin Falls?

More than 8 percent of Idaho drivers have no insurance. Expect more heavily congested, relatively urban areas to also have higher rates. Insurers try to set the premium by the level of risk.

How can I get the cheapest car insurance in Twin Falls?

If you want to save a buck, get state minimum coverage. It's the least amount of insurance Idaho allows. If you've financed your vehicle, you may need comprehensive and collision coverage. In that case, to reduce your bill, increase your deductibles as much as you can while still being able to afford out of pocket if an accident happens.

Who offers the cheapest car insurance in Twin Falls?

Auto insurance rates differ by city, company, and driver. If you want a price that's tailored to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock savings and discounts and find the coverage you deserve at a premium you can afford.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.