Cost of Car Insurance in Meridian, ID – 2024 Rates + Cheapest to Insure

• Average car insurance cost in Meridian is $1,330 per year, which is 34.4% less than the national average rate of $1,883.
• Auto insurance rates for a few popular vehicles in Meridian include the Jeep Cherokee at $120 per month, Toyota Highlander at $101, and Nissan Sentra at $102.
• For cheap auto insurance in Meridian, ID, SUV models like the Buick Encore, Volkswagen Tiguan, Toyota Corolla Cross, and Kia Soul rank near the top.
• A few vehicles with the most affordable car insurance in Meridian for their segment include the Acura RDX ($1,112 per year), Acura Integra ($1,184 per year), Chevrolet Tahoe ($1,252 per year), and Toyota GR Corolla ($1,156 per year).

What is average car insurance cost in Meridian?

Average car insurance cost in Meridian is $1,330 per year, which is 34.4% less than the overall national average rate of $1,883 per year. The average monthly cost of car insurance in Meridian is $111 for a full-coverage car insurance policy.

The average cost to insure a vehicle in Idaho is $1,406 per year, so Meridian, Idaho, drivers pay an average of $76 less per year than the overall Idaho state-wide average rate. The cost to insure a vehicle in Meridian compared to other Idaho locations is $124 per year less than in Idaho Falls, $6 per year cheaper than in Boise, and $106 per year less than in Pocatello.

The next chart summarizes auto insurance cost in Meridian, Idaho, for different common policy situations. Rates are averaged for all Meridian Zip Codes and shown for a number of different driver ages, risk profiles, and policy deductibles.

The average cost of auto insurance per month in Meridian is $111, with policy prices ranging from $92 to $256 for drivers age 20 to 60 and the risk profiles included in the previous chart.

Meridian auto insurance rates are different for every driver and can also be very different depending on the company. Since the chances of having many different rates is high, this reinforces the need for accurate free car insurance quotes when trying to find a cheaper auto insurance policy.

The age of the driver influences the price you pay for car insurance. The list below illustrates these differences by breaking down average car insurance rates in Meridian for drivers from 16 to 60.

Average cost of car insurance in Meridian for drivers age 16 to 60

• 16-year-old rated driver – $4,748 per year or $396 per month
• 17-year-old rated driver – $4,602 per year or $384 per month
• 18-year-old rated driver – $4,122 per year or $344 per month
• 19-year-old rated driver – $3,754 per year or $313 per month
• 20-year-old rated driver – $2,684 per year or $224 per month
• 30-year-old rated driver – $1,424 per year or $119 per month
• 40-year-old rated driver – $1,330 per year or $111 per month
• 50-year-old rated driver – $1,182 per year or $99 per month
• 60-year-old rated driver – $1,106 per year or $92 per month

Insurance rates for Meridian’s favorite vehicles

The previously referenced auto insurance rates consist of an average based on every 2024 vehicle model, which is handy when making overall comparisons like the cost difference between two locations.

For deeper rate comparisons, however, the rates will be more accurate if we instead use rates for the specific model of vehicle being insured. In the next few article sections, we compare lots of rates for all different kinds of vehicles, but for now, we will just use the more popular vehicles to discover how auto insurance rates size up in Meridian.

This next chart shows average auto insurance rates for popular cars, trucks, and SUVs found on the streets of Meridian.

Which cars have cheap insurance in Meridian?

When comparing rates for all models, the vehicles with the most affordable car insurance quotes in Meridian, ID, tend to be small SUVs like the Chevrolet Trailblazer, Kia Soul, and Buick Envision.

Average auto insurance rates for those compact SUVs cost $1,082 or less per year, or $90 per month, for full coverage car insurance.

A few other models that rank very well in our cost comparison are the Subaru Outback, Honda CR-V, Nissan Murano, and Volkswagen Taos.

Average insurance cost is marginally higher for those models than the cheapest small SUVs and crossovers at the top of the list, but they still have average rates of $1,142 or less per year, or $95 per month.

The table below details the 30 car, truck, and SUV models with the cheapest auto insurance in Meridian, ordered by annual cost.

The table above that contains 30 vehicle models with cheap Meridian car insurance is great if you just want the lowest rates. Considering the fact that we rate over 700 vehicles, only about 4% of vehicles are displayed. Let’s rethink this, dig deeper, and display the cheapest models in a more sensible format, by vehicle segment.

This next article section talks about the cost of insurance based on different automotive segments. The rates shown will give you a better understanding of which vehicles have the best rates. After the chart, the next sections show the 20 vehicles with the cheapest insurance rates in each unique segment.

Meridian car insurance rates by automotive segment

When comparing new or used vehicles, it’s a good idea to know which styles of vehicles have cheaper insurance rates. For instance, you may be curious if midsize cars cost less to insure than midsize SUVs or if full-size pickups are more expensive to insure than midsize pickups.

The next chart shows average auto insurance cost by vehicle segment in Meridian. When comparing rates from a segment perspective, compact SUVs, vans, and midsize pickups tend to have the most affordable rates, while exotic performance cars have the highest average cost of insurance.

Rates by different vehicle segments are suitable for making an overall comparison, but rates range greatly within each automotive segment shown in the above chart.

For example, in the small luxury car segment, Meridian insurance rates range from the Acura Integra at $1,184 per year for a full coverage policy to the BMW M340i at $1,628 per year.

For another example, in the midsize truck segment, average rates range from the Chevrolet Colorado at $1,140 per year up to the Rivian R1T costing $1,664 per year.

In these next sections, we will remove much of this variability by looking at the cost of auto insurance in Meridian for specific vehicles.

Cheapest cars to insure in Meridian

Ranking at the top for the most affordable Meridian auto insurance rates in the car segment (excluding luxury models) are the Toyota GR Corolla, Honda Civic, Nissan Leaf, Subaru Impreza, and Nissan Sentra. Rates for these vehicles average $1,226 or less per year.

Not the cheapest cars to insure, but still affordable, are models like the Honda Accord, Kia K5, Toyota Prius, and Hyundai Ioniq 6, with an average car insurance cost of $1,294 per year or less.

Auto insurance in Meridian for this segment for an average middle-age driver can cost as low as $96 per month, depending on your location.

If rates are ranked based on vehicle size, the most budget-friendly compact car to insure in Meridian is the Toyota GR Corolla at $1,156 per year. For midsize models, the Hyundai Ioniq 6 has the cheapest rates at $1,222 per year. And for large cars, the Chrysler 300 is most affordable to insure at $1,264 per year.

The table below ranks the twenty cars with the most affordable auto insurance rates in Meridian.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Meridian car insurance quotes from the best companies in Idaho.

Cheapest SUV insurance rates in Meridian

The three top-ranked SUVs with the lowest-cost average auto insurance rates in Meridian are the Subaru Crosstrek at $982 per year, the Chevrolet Trailblazer at $1,002 per year, and the Kia Soul at $1,038 per year.

Some other SUVs that have affordable average insurance rates are the Toyota Corolla Cross, Buick Envision, Hyundai Venue, and Mazda CX-5, with average insurance cost of $1,090 per year or less.

On a monthly basis, car insurance in this segment for the average driver can cost as low as $82 per month, depending on where you live and the company you use.

The next table ranks the SUVs with the cheapest insurance in Meridian, starting with the Subaru Crosstrek at $982 per year ($82 per month) and ending with the Honda HR-V at $1,160 per year ($97 per month).

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Don’t see insurance cost for your SUV? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Meridian car insurance quotes from top-rated car insurance companies in Idaho.

Cheapest pickup insurance rates in Meridian, ID

Ranked at #1 in Meridian for the most affordable average insurance rates in the pickup truck segment is the Chevrolet Colorado, with a cost of $1,140 per year. Second place is the Nissan Titan at $1,248 per year, and coming in third is the Nissan Frontier, costing an average of $1,262 per year.

Also ranking well in our comparison are pickups like the GMC Canyon, GMC Sierra 2500 HD, Honda Ridgeline, and Toyota Tacoma, with an average cost of $1,372 per year or less.

Full-coverage car insurance in this segment for a good driver can cost as low as $95 per month, depending on your company and location. The comparison table below ranks the pickups with the most affordable car insurance rates in Meridian, starting with the Chevrolet Colorado at $1,140 per year and ending with the Ram Truck at $1,544 per year.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Looking for insurance rates for a different truck? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Meridian car insurance quotes from the best companies in Idaho.

Cheapest luxury cars to insure in Meridian

Ranking highest for the lowest-cost Meridian auto insurance rates in the luxury car segment are the Acura Integra, Acura TLX, Mercedes-Benz CLA250, BMW 330i, and Lexus IS 300. Auto insurance rates for these vehicles average $1,378 or less per year.

Other luxury cars that are affordable to insure are the Cadillac CT4, Lexus ES 350, Mercedes-Benz AMG CLA35, and Genesis G70, with average rates of $1,400 per year or less.

In the bottom half of the top 20, models like the Audi S3, Lexus ES 300h, Lexus IS 350, Lexus ES 250, Cadillac CT5, and BMW 230i cost between $1,400 and $1,494 per year for insurance.

From a cost per month standpoint, car insurance in Meridian on this segment starts at around $99 per month, depending on the company and your location.

If insurance rates are ranked by vehicle size, the cheapest small luxury car to insure in Meridian is the Acura Integra at $1,184 per year, or $99 per month. For midsize luxury car models, the Mercedes-Benz CLA250 is the cheapest model to insure at $1,370 per year, or $114 per month. And for full-size luxury car models, the Audi A5 has the most affordable rates at $1,578 per year, or $132 per month.

The rate comparison table below ranks the cars with the lowest-cost average auto insurance rates in Meridian, starting with the Acura Integra at $99 per month and ending with the Audi S3 at $125 per month.

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Idaho.

Cheapest luxury SUV insurance rates in Meridian

Ranking at the top for the cheapest Meridian auto insurance rates in the luxury SUV segment are the Lexus NX 250, Cadillac XT4, Acura RDX, Jaguar E-Pace, and Cadillac XT5. Rates for these models average $1,258 or less per year, or around $105 per month.

Not the cheapest, but still in the top 10, are SUVs like the Lexus UX 250h, Mercedes-Benz GLB 250, Lexus NX 350h, and Lexus NX 450h, with an average cost of $1,284 per year or less.

In the bottom half of the top 20, models like the Lexus NX 350, Cadillac XT6, Mercedes-Benz GLA35 AMG, Mercedes-Benz AMG GLB35, Acura MDX, and Land Rover Evoque average between $1,284 and $1,336 per year for insurance.

From a cost per month standpoint, full-coverage insurance in this segment for a safe driver can cost as low as $93 per month, depending on your location and insurance company. The table below ranks the twenty SUVs with the most affordable car insurance rates in Meridian, starting with the Acura RDX at $93 per month and ending with the Lexus NX 350 at $111 per month.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see rates for your luxury SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Idaho.

Cheapest sports car insurance rates in Meridian

The top four sports cars with the most affordable average auto insurance rates in Meridian are the Mazda MX-5 Miata at $1,232 per year, Toyota GR86 at $1,404 per year, Ford Mustang at $1,466 per year, and BMW Z4 at $1,474 per year.

Also ranking in the top 10 are cars like the Toyota GR Supra, Nissan Z, BMW M2, and Lexus RC F, with an average cost to insure of $1,594 per year or less.

From a cost per month standpoint, car insurance in Meridian on this segment for a good driver can cost as low as $103 per month, depending on where you live and the company you use.

The rate comparison table below ranks the sports cars with the most affordable average car insurance rates in Meridian.

Looking for rates for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Meridian.

Tips for saving money on Meridian auto insurance

Meridian drivers are always looking to cut the monthly cost of car insurance, so take a minute or two to look through the savings concepts in this next list to see if you can save some money on your next policy.

• Higher deductibles mean lower cost. Jacking up your deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
• Be a safe driver and save on Meridian auto insurance. At-fault accidents raise insurance rates, to the tune of $1,908 per year for a 20-year-old driver and as much as $558 per year for a 40-year-old driver. So be safe and save.
• Get a discount from your job. The vast majority of auto insurance companies offer policy discounts for specific occupations like high school and elementary teachers, college professors, nurses, engineers, dentists, and others. If you qualify, you could save between $40 and $130 on your annual auto insurance bill, depending on the policy coverages.
• Avoid driving violations to reduce insurance cost. To get cheap auto insurance in Meridian, it makes good sense to be a safe driver. Just a couple of minor incidents on your driving report have the potential to raise auto insurance cost by up to $358 per year.
• Choose a vehicle with lower auto insurance rates. The vehicle you choose to drive is a huge factor in the cost of car insurance. As an example, a Subaru Outback costs $358 less per year to insure in Meridian than a Nissan 370Z. Choose cheaper models and save money.
• Shop around and save. Take a couple of minutes to get some free car insurance quotes could significantly reduce the cost of insurance. Companies change rates often and switching companies is very easy to do.