For a 40-year-old driver with a clean record, Caldwell car insurance averages about $151 a month ($1,807 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Idaho average of $153 a month. State Farm has the lowest full-coverage average among the insurers we rank, at about $113 a month.
Caldwell, the Canyon County seat, is priced close to the Idaho average for our benchmark driver, about $2 a month less, and about the same as Nampa.
GEICO, marked with an asterisk in our Caldwell table, averages about $111 a month for full coverage, close to State Farm’s $113. Of the two 2026 rate studies we reviewed that name a cheapest insurer in Caldwell, one picks GEICO and the other State Farm.
Cost data comes from the auto rates insurers file with state regulators, priced across both Caldwell ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
How Much Is Car Insurance in Caldwell, ID?
Full coverage in Caldwell averages $1,807 a year, or about $151 a month, for our benchmark driver. Liability-only coverage at Idaho’s 25/50/15 minimum averages $558 a year ($47 a month), and 50/100/50 liability with comprehensive and collision averages $1,786 ($149 a month).
- Full coverage (100/300/100, $500 deductibles): $1,807 a year ($151 a month)
- 50/100/50 with $500 deductibles: $1,786 a year ($149 a month)
- Liability only (25/50/15): $558 a year ($47 a month)
- Canyon County: $1,788 a year ($149 a month) for full coverage
- Idaho average: $1,841 a year ($153 a month) for full coverage
- ZIP code range: $150 (83605) to $152 (83607) a month for full coverage
Cheap Car Insurance in Caldwell: Companies Compared
- Lowest average among insurers we rank, full coverage: State Farm, at about $113 a month ($1,352 a year).
- Next lowest: Safeco, Idaho Farm Bureau and Farmers, effectively tied at about $139 to $142 a month.
- Lowest liability-only average among insurers we rank (25/50/15): State Farm, at about $33 a month, then Safeco and Idaho Farm Bureau at about $37 each. Auto-Owners and GEICO are a little lower in our table, at about $31 and $32.
- Also on our list: USAA at about $73 a month, GEICO at $111, Auto-Owners at $121, Travelers at $146 and Nationwide at $147 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $217 a month, $1,256 a year more than State Farm for the same driver and car.
State Farm has the lowest full-coverage average among the five insurers in our Caldwell rate data. The recent statewide Idaho rate studies we reviewed don’t agree on which insurer is cheapest for full coverage. Leaving out USAA, which sells only to military families, GEICO, State Farm and Auto-Owners each come out first in two of the eight, and American National and Travelers in one each. For liability-only coverage at 25/50/15 limits, State Farm has the lowest average among the insurers we rank, at about $33 a month, followed by Safeco and Idaho Farm Bureau at about $37 each.
Full-coverage averages by insurer in Caldwell
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/15 (Yearly): | Minimum Liability 25/50/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| State Farm | $400 | $33 | $1,352 | $113 |
| Safeco | $438 | $37 | $1,670 | $139 |
| Idaho Farm Bureau | $448 | $37 | $1,697 | $141 |
| Farmers | $668 | $56 | $1,706 | $142 |
| Allstate | $838 | $70 | $2,608 | $217 |
| USAA (military families)* | $298 | $25 | $874 | $73 |
| GEICO* | $378 | $32 | $1,332 | $111 |
| Auto-Owners* | $371 | $31 | $1,454 | $121 |
| Travelers* | $584 | $49 | $1,747 | $146 |
| Nationwide* | $1,000 | $83 | $1,766 | $147 |
| Caldwell average | $558 | $47 | $1,807 | $151 |
This table uses Caldwell ZIP codes only. See how we calculated these rates.
Your ZIP code matters
How Much More Does Better Coverage Cost in Caldwell?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Caldwell data: with the same $500 deductibles, full coverage averages $1,807 a year and 50/100/50 averages $1,786. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Farmers charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Caldwell?
Yes, for our benchmark driver. Comparing the same insurers in the same Caldwell ZIP codes, full coverage averaged $1,752 a year in rates as of Nov. 30, 2025, and $1,807 as of Aug. 31, 2026, a 3.1% increase. Allstate raised its average 7.5%, Farmers 3.1% and State Farm 2.9%, while Idaho Farm Bureau’s and Safeco’s averages were unchanged. Liability-only coverage at 25/50/15 limits rose 7.7%, led by Farmers, which raised its liability-only average 18.4%.
What Shapes Car Insurance Costs in Caldwell
Canyon County averages about $149 a month for full coverage, the ninth-least expensive of the 32 Idaho counties we price. Both Caldwell ZIP codes we price are close: 83605 averages about $150 a month and 83607, on the west side, about $152.
The smaller towns around Caldwell cost a little less: Middleton, to the northeast, averages about $149 a month, Wilder, to the west, $148 and Parma, to the northwest, $145. Prices depend on where in Idaho you live, not just on your car and driving record.
How Caldwell Car Insurance Compares With Other Idaho Cities
More Idaho cities and towns are in the Idaho rates by city table, and you can compare states on our car insurance rates by state page.
Nampa, about seven miles southeast, averages $150 a month, and Meridian, about 15 miles east, $136.
What Car Insurance Is Required in Caldwell?
Drivers in Caldwell follow Idaho’s rules. Every registered vehicle must be covered by at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $15,000 per crash
Your policy also includes uninsured and underinsured motorist coverage at the same 25/50 limits unless you reject it in writing. Our Idaho requirements guide covers how the state checks your coverage and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Caldwell
- Compare State Farm and GEICO first. State Farm has the lowest full-coverage average among the insurers we rank in Caldwell, about $113 a month, and GEICO, marked with an asterisk in our table, averages about $111.
- Quote several insurers. Among the insurers we rank in Caldwell, the lowest and highest averages are about $104 a month apart for the same driver and car.
- Think before you reject uninsured motorist coverage. Idaho policies include it unless you reject it in writing, and a rejection can carry over to your renewals, under Idaho Code 41-2502. It pays for your injuries when the at-fault driver has no insurance or too little. Our full-coverage prices include it at 100/300.
- Compare at every renewal. Since November 2025, Allstate has raised its average 7.5%, Farmers 3.1% and State Farm 2.9%, so the order in our table can shift.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Idaho home insurance rates before you shop.
Ready to compare
How We Calculated Caldwell Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 10 full-coverage premiums from five insurers across two Caldwell ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Idaho’s 25/50/15 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from recent published Idaho rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Idaho law and the Idaho Department of Insurance. We refresh these figures when new rate data is released.
Caldwell Car Insurance FAQ
For our benchmark driver, full coverage in Caldwell averages about $151 a month ($1,807 a year) and liability-only coverage about $47 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Idaho average of $153 a month.
State Farm has the lowest full-coverage average in our Caldwell rate data, at about $113 a month, followed by Safeco, Idaho Farm Bureau and Farmers, effectively tied at about $139 to $142 a month. For liability-only coverage, State Farm has the lowest average among the insurers we rank, at about $33 a month. Auto-Owners and GEICO are a little lower in our table, at about $31 and $32. The recent statewide Idaho rate studies we reviewed don’t agree on which insurer is cheapest for full coverage: leaving out USAA, GEICO, State Farm and Auto-Owners each come out first in two of the eight. Rates vary by driver, so compare quotes for your own car and ZIP code.
They’re about the same for our benchmark driver: Caldwell full coverage averages about $151 a month and Nampa about $150, about $1 a month apart.
Boise, for our benchmark driver. Caldwell full coverage averages about $151 a month and Boise about $136, a difference of about $15 a month for the same driver and car.
In our Caldwell data, full coverage (100/300/100 with $500 deductibles) averages about $151 a month and liability-only coverage at 25/50/15 limits about $47, a difference of about $104 a month ($1,249 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Yes, for our benchmark driver. Comparing the same insurers and ZIP codes, Caldwell full coverage rose 3.1% between November 2025 and August 2026, from about $1,752 to $1,807 a year. Allstate raised its average 7.5%, Farmers 3.1% and State Farm 2.9%. Liability-only coverage at 25/50/15 limits rose 7.7%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
