Cheapest Car Insurance Quotes in Mountain Home AFB

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Mountain Home AFB 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 AFB

The car insurance rate in Mountain Home AFB is $465 for a six-month policy, which is $63 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $267, making it a popular choice for budget-conscious drivers. Rates in Mountain Home AFB 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 AFB

$465

Avg. Car Insurance in Idaho

$528

National Average

$1140

Cheapest Car Insurance Companies in Mountain Home AFB

1st place: American National P&C

At $267 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 $288 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 $313 for six months, making it the third cheapest auto insurance company in Mountain Home AFB.

Mountain Home AFB Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mountain Home AFB, ID is American National P&C, offering policies at just $267 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $288.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $894 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mountain Home AFB drivers find the best deals.

Cheap Car Insurance Companies in Mountain Home AFB, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$267	$46
Auto-Owners Insurance Co	$288	$48
Idaho Farm Bureau	$313	$54
USAA	$350	$59
Travelers	$366	$62
State Farm	$392	$66
American Family	$423	$71
American National	$466	$77
Mutual of Enumclaw	$476	$81
Farmers	$523	$88
Auto-Owners	$585	$99
Nationwide	$700	$117
Allstate	$894	$152

Key Takeaways

Way's key takeaways about car insurance in Mountain Home AFB

The auto insurance costs in Mountain Home AFB fall around $267 for six months.
The cheapest auto insurance company in Mountain Home AFB is USAA.
Teen drivers pay the highest rate in Mountain Home AFB at $463 per month.

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Cheapest Minimum Liability Car Insurance in Mountain Home AFB

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 AFB are given below.

USAA provides the cheapest minimum car insurance coverage in Mountain Home AFB. Their Average 6 Month Premium is $99. Nationwide is the most expensive at $313 for the same period.

Cheapest Liability Coverage in Mountain Home AFB, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$99	$17
American National	$110	$18
American National P&C	$110	$18
Idaho Farm Bureau	$126	$21
State Farm	$126	$21
Auto-Owners Insurance Co	$131	$22
Mutual of Enumclaw	$157	$26
Auto-Owners	$178	$30
American Family	$183	$31
Farm Bureau	$183	$31
Travelers	$204	$34
Farmers	$215	$36
Allstate	$313	$53
Nationwide	$313	$54

Cheapest Full Coverage Car Insurance in Mountain Home AFB

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 AFB is American National P&C at $46 per month and $267 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mountain Home AFB, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$267	$46
Auto-Owners Insurance Co	$288	$48
Idaho Farm Bureau	$313	$54
USAA	$350	$59
Travelers	$366	$62
State Farm	$392	$66
American Family	$423	$71
American National	$466	$77
Mutual of Enumclaw	$476	$81
Farmers	$523	$88
Auto-Owners	$585	$99
Nationwide	$700	$117
Allstate	$894	$152

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Average Car Insurance in Mountain Home AFB 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 AFB, ID increasing?

Despite maintaining a clean driving record, your car insurance rates in Mountain Home AFB, 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 AFB'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 AFB

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 AFB,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 AFB at $22 per month. At $2749 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	$131	$22
Auto-Owners Insurance Co	$178	$30
Idaho Farm Bureau	$188	$32
Travelers	$935	$158
State Farm	$1051	$177
Farm Bureau	$1181	$197
USAA	$1390	$234
Auto-Owners	$1500	$250
American Family	$1673	$282
Nationwide	$2002	$334
Farmers	$2242	$378
Allstate	$2749	$463

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 AFB, Idaho Farm Bureau is the cheapest car insurance provider. At $194 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 AFB is Allstate, offering rates of around $1275 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$194	$33
State Farm	$439	$74
American Family	$569	$96
Travelers	$590	$99
USAA	$722	$121
Farm Bureau	$816	$139
Farmers	$847	$143
Auto-Owners	$884	$150
Allstate	$1275	$213

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Car Insurance Rates with An Accident in Mountain Home AFB

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 AFB, ID, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Mountain Home AFB include American National and AutoOwners Insurance Co, offering $141 and $151, respectively. Allstate is an expensive provider with an average six-month premium of $1364.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$141	$24
Auto-Owners Insurance Co	$151	$26
American National P&C	$162	$27
Idaho Farm Bureau	$162	$27
State Farm	$340	$57
USAA	$361	$61
Auto-Owners	$549	$92
Farm Bureau	$706	$120
American Family	$722	$121
Travelers	$805	$137
Nationwide	$1040	$173
Farmers	$1140	$192
Allstate	$1364	$230

Mountain Home AFB Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mountain Home AFB ID. For example, the car insurance in Mountain Home AFB after a DUI increases to $434 for a six month policy. While the rate increases by $130 for a six-month policy in the case of a speeding ticket.

Mountain Home AFB auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$638	$106
One Med/PIP claim	$643	$109
Not-at-fault accident	$658	$110
One comp claim	$679	$115
Failure to wear a seat belt	$690	$115
Two Med/PIP claims	$690	$117
Child safety restraint	$737	$123
Driving without lights	$737	$125
Two comp claims	$742	$124
Failure to show documents	$747	$127
Cell phone violation	$763	$128
Driving with expired registration	$763	$129
Following too closely	$763	$128
Illegal turn	$763	$129
Texting while driving	$763	$128
Wrong way/wrong lane	$763	$129
Driving too slowly	$768	$128
Failure to yield	$768	$130
Speeding 11 - 15 MPH over limit	$768	$128
Speeding 6 - 10 MPH over limit	$768	$130
Failure to stop at a red light	$774	$129
Improper passing	$779	$132
Speeding 16 - 20 MPH over limit	$779	$130
In 65 MPH zone	$784	$134
Speeding in school zone	$784	$131
Speeding 21 - 25 MPH over limit	$795	$136
Open container	$847	$141
At-fault accident - less than $1000	$852	$145
Passing school bus	$873	$145
Operating a vehicle without permission	$884	$150
At-fault accident - $1000-$2000	$935	$156
At-fault accident - greater than $2000	$935	$159
Driving with a suspended license	$1024	$171
Reckless driving	$1030	$175
Refusal to submit to a chemical test	$1040	$173
DUI	$1072	$182
Racing	$1072	$179
Leaving scene of an accident/hit and run	$1097	$187

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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 AFB 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 AFB.

The cheapest car insurance premiums in Mountain Home AFB are offered by American National P&C at $183 for a six-month policy. However, it can be as expensive as $1344 with companies like Nationwide.

Mountain Home AFB car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$183	$31
Idaho Farm Bureau	$272	$45
Travelers	$560	$94
State Farm	$612	$103
American Family	$690	$116
USAA	$700	$118
Farmers	$800	$135
Allstate	$1134	$191
Farm Bureau	$1186	$202
Auto-Owners	$1291	$216
Nationwide	$1344	$229

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 AFB are offered by AutoOwners Insurance Co at $131. However, it can be as expensive as $1014 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Mountain Home AFB after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$131	$22
Idaho Farm Bureau	$131	$22
American National P&C	$136	$23
State Farm	$209	$35
USAA	$407	$68
American Family	$429	$72
Farm Bureau	$539	$90
Auto-Owners	$575	$98
Travelers	$727	$121
Farmers	$732	$123
Allstate	$1014	$169

Car Insurance Price Trends in Mountain Home AFB, Idaho

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

The average cost of full coverage in the Mountain Home AFB rose by $117 in December compared to $116 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Mountain Home AFB remained steady at $29 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Mountain Home AFB?

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

What is the cheapest car insurance in Mountain Home AFB?

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

How much is car insurance in Mountain Home AFB for teenagers?

Car insurance for teenagers costs $131 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 AFB?

The average cost of car insurance is $528 for a six-month policy. It will cost around $78 per month to insure your car in Mountain Home AFB.

Is car insurance expensive in Mountain Home AFB?

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

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

The best car insurance company in Mountain Home AFB ID is American National P&C, offering $267 for a six-month policy.