Cheapest Car Insurance Quotes in Mountain Home

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Mountain Home Car Insurance

^$ 17

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Mountain Home

The car insurance rate in Mountain Home is $480 for a six-month policy, which is $48 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $276, making it a popular choice for budget-conscious drivers. Rates in Mountain Home can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Mountain Home

$480

Avg. Car Insurance in Idaho

$528

National Average

$1278

Cheapest Car Insurance Companies in Mountain Home

1st place: American National P&C

At $276 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $298 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Idaho Farm Bureau

Idaho Farm Bureau offers auto insurance rates at $324 for six months, making it the third cheapest auto insurance company in Mountain Home.

Mountain Home Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mountain Home, ID is American National P&C, offering policies at just $276 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $298.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $925 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mountain Home drivers find the best deals.

Cheap Car Insurance Companies in Mountain Home, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$276	$46
Auto-Owners Insurance Co	$298	$51
Idaho Farm Bureau	$324	$54
USAA	$362	$61
Travelers	$379	$63
State Farm	$406	$68
American Family	$438	$74
American National	$481	$82
Mutual of Enumclaw	$492	$82
Farmers	$541	$91
Auto-Owners	$605	$101
Nationwide	$724	$123
Allstate	$925	$154

Key Takeaways

Way's key takeaways about car insurance in Mountain Home

The auto insurance costs in Mountain Home fall around $276 for six months.
The cheapest auto insurance company in Mountain Home is USAA.
Teen drivers pay the highest rate in Mountain Home at $506 per month.

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Cheapest Minimum Liability Car Insurance in Mountain Home

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Mountain Home are given below.

USAA provides the cheapest minimum car insurance coverage in Mountain Home. Their Average 6 Month Premium is $103. Farm Bureau is the most expensive at $189 for the same period.

Cheapest Liability Coverage in Mountain Home, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$103	$17
American National	$114	$19
American National P&C	$114	$19
Idaho Farm Bureau	$130	$22
Auto-Owners Insurance Co	$136	$23
State Farm	$140	$24
Auto-Owners	$162	$27
Mutual of Enumclaw	$162	$27
Travelers	$184	$31
American Family	$189	$32
Farmers	$189	$32
Allstate	$281	$46
Nationwide	$324	$56
Farm Bureau	$189	$32

Cheapest Full Coverage Car Insurance in Mountain Home

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Mountain Home is American National P&C at $46 per month and $276 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mountain Home, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$276	$46
Auto-Owners Insurance Co	$298	$51
Idaho Farm Bureau	$324	$54
USAA	$362	$61
Travelers	$379	$63
State Farm	$406	$68
American Family	$438	$74
American National	$481	$82
Mutual of Enumclaw	$492	$82
Farmers	$541	$91
Auto-Owners	$605	$101
Nationwide	$724	$123
Allstate	$925	$154

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Average Car Insurance in Mountain Home by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Mountain Home, ID increasing?

Despite maintaining a clean driving record, your car insurance rates in Mountain Home, Idaho, may be increasing due to several external factors. Idaho has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Mountain Home's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Mountain Home

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Mountain Home,ID

If you are planning to get a car insurance policy for your teenage dependent, American National P&C provides the cheapest car insurance in the Mountain Home at $23 per month. At $3006 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$136	$23
Auto-Owners Insurance Co	$184	$31
Idaho Farm Bureau	$195	$33
Travelers	$1200	$202
State Farm	$1254	$211
USAA	$1454	$248
Farm Bureau	$1497	$249
Auto-Owners	$1730	$294
Farmers	$1746	$294
American Family	$1844	$310
Nationwide	$2070	$345
Mutual of Enumclaw	$2206	$375
Sentry	$2405	$401
Allstate	$3006	$506

Teen Car Insurance Rates in ID by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Mountain Home, Idaho Farm Bureau is the cheapest car insurance provider. At $200 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Mountain Home is USAA, offering rates of around $746 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$200	$34
Farmers	$248	$42
State Farm	$616	$104
American Family	$638	$107
Travelers	$708	$119
Farm Bureau	$1037	$177
Auto-Owners	$1119	$187
Allstate	$1449	$247
Mutual of Enumclaw	$1460	$243
Sentry	$1643	$279
USAA	$746	$125

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Car Insurance Rates with An Accident in Mountain Home

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Mountain Home, ID, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Mountain Home

The cheapest car insurance companies after an at-fault accident in Mountain Home include American National and AutoOwners Insurance Co, offering $146 and $157, respectively. Sentry is an expensive provider with an average six-month premium of $2179.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$146	$25
Auto-Owners Insurance Co	$157	$26
American National P&C	$167	$28
Idaho Farm Bureau	$167	$28
USAA	$324	$55
State Farm	$395	$66
Auto-Owners	$660	$111
American Family	$784	$132
Farm Bureau	$892	$148
Travelers	$1027	$175
Farmers	$1033	$172
Nationwide	$1076	$183
Allstate	$1487	$250
Mutual of Enumclaw	$1660	$282
Sentry	$2179	$363

Mountain Home Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mountain Home ID. For example, the car insurance in Mountain Home after a DUI increases to $448 for a six month policy. While the rate increases by $134 for a six-month policy in the case of a speeding ticket.

Mountain Home auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$660	$110
One Med/PIP claim	$665	$113
Not-at-fault accident	$681	$114
One comp claim	$703	$119
Failure to wear a seat belt	$713	$119
Two Med/PIP claims	$713	$121
Child safety restraint	$763	$127
Driving without lights	$763	$129
Two comp claims	$767	$128
Failure to show documents	$773	$131
Cell phone violation	$789	$132
Driving with expired registration	$789	$134
Following too closely	$789	$132
Illegal turn	$789	$134
Texting while driving	$789	$132
Wrong way/wrong lane	$789	$134
Driving too slowly	$794	$133
Failure to yield	$794	$135
Speeding 11 - 15 MPH over limit	$794	$133
Speeding 6 - 10 MPH over limit	$794	$135
Failure to stop at a red light	$800	$134
Improper passing	$805	$137
Speeding 16 - 20 MPH over limit	$805	$135
In 65 MPH zone	$811	$138
Speeding in school zone	$811	$136
Speeding 21 - 25 MPH over limit	$822	$140
Open container	$875	$146
At-fault accident - less than $1000	$881	$150
Passing school bus	$903	$150
Operating a vehicle without permission	$914	$156
At-fault accident - $1000-$2000	$967	$161
At-fault accident - greater than $2000	$967	$165
Driving with a suspended license	$1059	$177
Reckless driving	$1065	$181
Refusal to submit to a chemical test	$1076	$179
DUI	$1108	$188
Racing	$1108	$185
Leaving scene of an accident/hit and run	$1135	$193

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Mountain Home after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Mountain Home.

The cheapest car insurance premiums in Mountain Home are offered by American National P&C at $189 for a six-month policy. However, it can be as expensive as $1795 with companies like Mutual of Enumclaw.

Mountain Home car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$189	$32
Idaho Farm Bureau	$281	$46
Farmers	$611	$103
Travelers	$676	$114
USAA	$741	$126
American Family	$757	$127
State Farm	$822	$138
Allstate	$1232	$207
Nationwide	$1390	$237
Farm Bureau	$1502	$250
Auto-Owners	$1611	$274
Sentry	$1649	$275
Mutual of Enumclaw	$1795	$305

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Mountain Home are offered by AutoOwners Insurance Co at $136. However, it can be as expensive as $421 with companies like USAA for a similar six-month premium.

Cheapest Car Insurance in Mountain Home after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$136	$23
Idaho Farm Bureau	$136	$23
American National P&C	$140	$24
Farmers	$211	$35
State Farm	$308	$52
American Family	$476	$80
Farm Bureau	$681	$114
Auto-Owners	$730	$124
Travelers	$925	$154
Allstate	$1151	$196
Mutual of Enumclaw	$1379	$229
Sentry	$2022	$344
USAA	$421	$70

Car Insurance Price Trends in Mountain Home, Idaho

Car insurance rates in Mountain Home have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Mountain Home rose by $136 in January compared to $121 of December. In other words, there has been an increase by $15 when you compare January and December.

The average cost of liability insurance in the Mountain Home dipped to $27 in January, compared to $30 in December. This represents an decrease of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Mountain Home?

The car insurance in Mountain Home is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Mountain Home?

The cheapest car insurance in Mountain Home is $46 per month for full coverage.

How much is car insurance in Mountain Home for teenagers?

Car insurance for teenagers costs $136 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Mountain Home?

The average cost of car insurance is $528 for a six-month policy. It will cost around $80 per month to insure your car in Mountain Home.

Is car insurance expensive in Mountain Home?

Car insurance can be expensive in Mountain Home if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Mountain Home can be affordable.

What is the best car insurance in Mountain Home, ID?

The best car insurance company in Mountain Home ID is American National P&C, offering $276 for a six-month policy.