Arco, Idaho Auto Insurance (Cheapest Companies, Rates, + More)

Arco, Idaho auto insurance rates average at $238 per month, but Arco, Idaho auto insurance laws will determine what kind of coverage you need. USAA and State Farm have the cheapest Arco auto insurance quotes, but yours will depend on your driving history, age, gender, and location. Enter your ZIP code below to start comparing Arco auto insurance costs in your neighborhood.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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Arco, Idaho Auto Insurance Facts
Arco, ID StatisticsDetailsSource
City population743Data USA
City density743 ppl./sq mi City-Data
Average auto insurance cost$2,857.29/year
$238.10/month
Quadrant Data LLC
Cheapest auto insurance providerUSAAQuadrant Data LLC
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Finding the cheapest Arco, ID auto insurance shouldn’t be a hassle. You don’t have time to research all of the companies and Idaho auto insurance laws that apply to your Arco car insurance policy, right? Don’t worry, we have done it for you. All the details on how to get the best auto insurance in Arco are right here. Read on for a breakdown of rates and the best companies available in Arco.

If you’re in the market for Arco auto insurance and want to start now, you can get free auto insurance quotes by entering your ZIP code here.

Auto Insurance Rates in Arco

In this article, we’ll take the headache out of insuring your vehicle by providing you with comprehensive information on the auto insurance costs in Arco. We’ve compiled data on companies with the best auto insurance rates in Arco so you’re free to make the most informed decision.

Your auto insurance policy has to meet all Idaho requirements. If you’re not covered, now is the time to get insurance, or risk having your car impounded, as this video explains.

Are there multiple drivers in your household? We’ll provide recent information on auto insurance by age and gender to help you make the right choice for you and your family members.

Car Insurance Agents in Arco

Here’s a short list:

Farm Bureau Insurance of Idaho
225 W Grand, Arco, ID 83213
(208) 5273431

L Dean Moncur
325 North Front, Arco, ID 83213
(208) 5278274

Valley Insurance Center
410 S Front St, Arco, ID 83213
(208) 5273494

Do gender and age affect my auto insurance in Arco?

The median age in Arco is 42.8 years old. 2018 auto insurance data for Arco shows that the average auto insurance rates for men were typically higher than the rates for women across age groups. Many insurance companies set higher rates for men because studies have shown they are more likely to file a claim.

As the Quadrant USA data below shows, for both men and women, the cheapest age for auto insurance is 60 years old.

Arco, Idaho Average Auto Insurance Rates by Age
Driver Age and Marital StatusAverage Rates
Married 60-year-old female$1,507.03
Married 60-year-old male$1,543.07
Married 35-year-old female$1,664.43
Married 35-year-old male$1,679.08
Single 25-year-old female$1,909.44
Single 25-year-old male$2,016.20
Single 17-year-old female$5,621.41
Single 17-year-old male$6,917.70
Average$2,857.29
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Certain age groups are associated with more claims than others, and thus rates for these groups are often higher. Inexperienced teenage drivers paid higher auto insurance premiums than drivers in their 20s and 30s, and elderly drivers saw their rates increase as they advanced past age 60.

Which companies have the best auto insurance rates in Arco?

When shopping for the best auto insurance rates in Arco, we know you’ll want a variety of options to choose from. We’ve streamlined the process for you by collecting information on the auto insurance companies who offer lower auto insurance rates without compromising on quality of coverage.

Cheapest Auto Insurance Rates in Arco by Company

USAA has the cheapest auto insurance rates in Arco, but they only insure active-duty military, their immediate family members, and veterans. For civilian drivers, State Farm may be a good option, as they provide the second cheapest rates.

These savings apply across all age groups, including teenage drivers, who are typically charged much more expensive auto insurance rates than adults.

Arco, Idaho Average Auto Insurance Age-Based Rates by Comany
CompaniesMarried 35-Year-Old
Female Rates
Married 35-Year-Old
Male Rates
Married 60-Year-Old
Female Rates
Married 60-Year-Old
Male Rates
Single 17-Year-Old
Female Rates
Single 17-Year-Old
Male Rates
Single 25-Year-Old
Female Rates
Single 25-Year-Old
Male Rates
Average Rates
USAA$1,100.02$1,103.17$1,069.72$1,059.30$3,565.41$3,999.12$1,458.40$1,578.52$1,866.71
State Farm$1,198.72$1,198.72$1,075.38$1,075.38$3,481.06$4,408.95$1,350.51$1,545.99$1,916.84
Liberty Mutual$1,425.78$1,537.68$1,157.65$1,290.10$4,492.79$4,991.61$1,515.48$1,606.11$2,252.15
Nationwide$1,885.56$1,932.09$1,699.29$1,806.15$4,597.11$5,673.94$2,202.60$2,373.95$2,771.34
Geico$2,016.35$1,991.06$1,918.61$1,863.47$4,278.10$5,328.29$2,718.22$2,106.14$2,777.53
Farmers$1,509.21$1,497.81$1,332.11$1,411.15$7,333.43$7,579.79$1,736.86$1,827.22$3,028.45
Travelers$1,361.51$1,383.35$1,365.10$1,358.92$6,627.68$10,440.22$1,446.46$1,666.09$3,206.17
American Family$2,088.27$2,088.27$1,856.56$1,856.56$7,355.27$9,596.34$2,088.27$2,628.73$3,695.28
Allstate$2,394.42$2,379.61 $2,086.84$2,164.60$8,861.85$10,241.03$2,668.14$2,813.06$4,201.19
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Price is not the only determining factor in choosing auto insurance, but we want to help you make your dollars go further by connecting you with multiple sources on how to get affordable auto insurance.

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Best Auto Insurance Rates in Arco by Commute

According to recent data, the average driver in Idaho drives 14,315 miles a year. This is a little over the highest annual mileage recorded in the following table, so there might be some variation in prices.

As you can see from Quadrant USA’s data, some insurance companies charge drivers that put in more miles higher rates (because the longer you’re on the road, the more likely it is you’ll be involved in an accident). USAA and State Farm again held the first and second-cheapest spots on the list, regardless of commute mileage.

Arco, Idaho Average Auto Insurances Rates by Commute
CompaniesRates with 10-Mile Commute
6,000 Annual Mileage
Rates with 25-Mile Commute
12,000 Annual Mileage
Average Rates
USAA$1,844.26$1,889.16$1,866.71
State Farm$1,869.88$1,963.80$1,916.84
Liberty Mutual$2,252.15$2,252.15$2,252.15
Nationwide$2,771.34$2,771.34$2,771.34
Geico$2,729.62$2,825.43$2,777.53
Farmers$3,028.45$3,028.45$3,028.45
Travelers$3,206.17$3,206.17$3,206.17
American Family$3,619.16$3,771.41$3,695.29
Allstate$4,201.19$4,201.19$4,201.19
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Are you stuck at home because of travel restrictions and social distancing recommendations related to the coronavirus pandemic? If you’re currently working from home or limiting your travel in other ways, you may be able to take advantage of the coronavirus car insurance rates and discounts being offered by some auto insurance companies.

Best Auto Insurance Rates in Arco by Coverage Level

Does trying to figure out which companies provide the best price for your coverage requirements have you stumped? Different auto insurance companies offer different rates based on the level of coverage.

The table below allows you to compare rates across companies based on high, low, and medium coverage levels.

Arco, Idaho Average Auto Insurance Rates by Coverage Level
CompaniesRates with High CoverageRates with Medium CoverageRates with Low CoverageAverage Rates
USAA$1,919.79$1,863.59$1,816.75$1,866.71
State Farm$2,023.13$1,921.19$1,806.20$1,916.84
Liberty Mutual$2,367.34$2,248.51$2,140.60$2,252.15
Nationwide$2,669.43$2,912.44$2,732.13$2,771.33
Geico$2,919.74$2,773.28$2,639.56$2,777.53
Farmers$3,215.10$2,993.57$2,876.67$3,028.45
Travelers$3,199.36$3,252.82$3,166.31$3,206.16
American Family$3,501.83$3,878.82$3,705.20$3,695.28
Allstate$4,393.16$4,191.92$4,018.49$4,201.19
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If you’re paying off or leasing your vehicle, your auto dealership will likely expect you to purchase full coverage for your vehicle. We can show you how to choose cheap on full coverage auto insurance without cutting corners on quality.

Best Auto Insurance Rates in Arco by Credit History

Your credit score can have a huge impact on what you pay for insurance. Insurance providers tend to charge higher rates to policyholders with poor credit, so improving your credit score can save you a significant sum of money.

In this video, an insurance expert provides information explaining how auto insurance companies use credit history when deciding insurance premiums.

The table below illustrates the rate differences between drivers with fair, good, and poor credit histories.

Acrco, Idaho Auto Insurance Rates by Credit Score
CompaniesRates with Good CreditRates with Fair CreditRates with Poor CreditAverage Rates
USAA$1,273.21$1,585.11$2,741.80$1,866.71
State Farm$1,355.30$1,702.13$2,693.10$1,916.84
Liberty Mutual $1,565.30$1,973.80$3,217.34$2,252.15
Nationwide$2,336.26$2,665.94$3,311.82$2,771.34
Geico$2,259.75$2,695.95$3,376.88$2,777.53
Farmers$2,769.95$2,899.30$3,416.09$3,028.45
Travelers$2,857.18$3,087.50$3,673.82$3,206.17
American Family$2,905.41$3,404.35$4,776.10$3,695.29
Allstate$3,287.97$3,763.91$5,551.70$4,201.19
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With most major companies, drivers with poor credit paid at least $1,000 more a year for car insurance than those with good credit. In 2018, Farmers had the lowest rate increase for drivers with poor credit, while Allstate had the highest increase.

Best Auto Insurance Rates in Arco by Driving Record

Along with your credit, your driving history can make a considerable difference in how much you pay for auto insurance. A clean driving record can save you hundreds, or even thousands of dollars on auto insurance.

Arco, Idaho Average Auto Insurance Rates Based on Driving Record
CompaniesRates with Clean RecordRates with 1 AccidentRates with 1 DUIRates with 1 Speeding ViolationAverage
State Farm$1,754.35$2,079.35$1,916.83$1,916.83$1,916.84
USAA$1,341.10$1,907.87$2,594.59$1,623.27$1,947.85
Liberty Mutual$1,871.43$2,339.96$2,419.63$2,377.56$2,210.34
Geico$1,703.56$2,720.13$3,807.65$2,878.78$2,743.78
Nationwide$2,112.94$2,747.94$3,847.80$2,376.67$2,902.89
Farmers$2,642.59$3,349.07$3,138.13$2,984.00$3,043.26
Travelers$1,984.75$2,815.42$4,879.66$3,144.84$3,226.61
American Family$2,916.69$4,121.97$4,443.59$3,298.89$3,827.42
Allstate$3,462.87$4,363.37$4,868.90$4,109.63$4,231.71
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Typically, DUIs cause rates to increase the most, followed by accidents, then speeding violations. These offenses usually stop being counted against you by your insurance company after a few years, but sometimes a poor driving record can be difficult to recover from.

If you’re worried about how your driving record is affecting your auto insurance rate, talk to your insurance agent about which incidents from your driving history are being factored into your premium.

What affects auto insurance rates in Arco?

Now that you’re all filled in on the information you’ll need to start comparing auto insurance quotes on your own, here’s a review of some factors that affect auto insurance rates:

  • Gender and age of the driver
  • Driver’s marital status
  • Driver’s ZIP code
  • Miles driven annually
  • Desired coverage
  • Credit history
  • Driving record

Remember, while most of us prefer cheap auto insurance, price shouldn’t be the only factor you consider when choosing an auto insurance policy. It’s important to understand how car insurance companies calculate risk and to compare rates as well as company reputation.

Median Household Income in Arco

Income and employment have been on a downward trend in Arco. According to DataUSA, the median household income in Arco in 2017 was $31,607. This represented a decline of 5.7 percent from the previous year. Overall employment was down 15.1 percent from 2016.

There is also a gender wage gap in Arco. Based on 2017 data, the salary for the average male working in the city was 1.45 times that of the salary for the average female.

The most common careers in Arco fall into the category of Sales and Related Professions. The next most common careers are Transportation Occupations, followed by Food Preparation and Serving Related Occupations.

Homeownership in Arco

Owning a home instead of renting an apartment or condo could mean you pay less for auto insurance. According to information from Data USA, 64.8 percent of Arco residents are homeowners, which is slightly above the national average.

In 2017, the median property value was $72,000, which represented a decline from the $73,800 that was recorded the previous year. Median property values in Arco are just over a third of the national average of $229,700. It makes sense that the city has a high homeownership rate since properties are relatively inexpensive.

Education in Arco

The high school graduation rate for Arco residents who are 25 years or older is 89.9 percent, but only 10 percent are college graduates.

Only 8.5 percent of adults living in Arco have a Bachelor’s degree or higher. The percentage of citizens in Arco with a graduate or professional degree is 4.6 percent.

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Driving in Arco

If it’s your first time driving in Arco, there’s no reason to be intimidated. The flat, grassy terrain allows you to gaze across endless stretches of highway as far as your eye can see. The uncluttered rural landscape provides an escape from cramped concrete jungles with neverending lines of bumper-to-bumper rush hour traffic.

What are the major roads in Arco?

US-93 is a major Idaho highway that briefly becomes N. Front St. as it passes through Arco. Grand Ave, which runs west to east, is another major road in Arco.

Major Highways in Arco

US-20 and US-93 intersect Arco. US-20 becomes US-26 as it enters the small town.

Does Arco use speeding or red-light cameras?

Based on information from the Idaho Transportation Department website, there are no speeding or red-light cameras in Arco. There are cameras on US-93 that are used to monitor traffic and weather conditions, but they are not used for detecting traffic violations.

How many cars per household?

Most households in Arco have two cars. As of 2017, there were four households without a car (out of 63 total households). Most Arco residents have an unusually short commute to work, spending less than 17 minutes on average behind the wheel before they arrive at their destination.

Speed Traps in Arco

There is only one recorded speed trap for Arco. It was last recorded between mile markers 250 and 253 on US-20 in October of 2010.

How is traffic in Arco?

Arco is a small town that is intersected by two major highways. Congestion is typically very minimal. Arco commuters who wish to receive live traffic information can visit the official website for the Idaho Transportation Department and utilize a free traffic app that will inform them on road conditions throughout the state.

Transportation

Idaho has an intercity bus system that runs through Butte County, where Arco is located.

Busiest Highways

US-20 and US-93 are the busiest highways that intersect Arco.

How safe are Arco streets and roads?

According to 2018 traffic safety data from the Idaho Department of Safety, there were no fatal car collisions in Arco in 2018, or anywhere in Butte County that year. Traffic collisions on US-20 and US-93 were down more than four percent from the previous year.

Butte County, ID Auto Collisions
YearFatal CrashesInjury CrashesTotal Crashes
201801036
20172941
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Even accounting for Arco’s small size, these are low collision rates. For responsible drivers, Arco roads are safer than those in most other cities.

Allstate America’s Best Drivers Report

In 2019, Boise, Idaho, 189 miles west of Arco, ranked as the second safest place to drive in the country on Allstate America’s Best Drivers Report. It was outranked only by Brownsville, Texas.

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Frequently Asked Questions: Arco, Idaho Auto Insurance

Looking for a little more information? Check out these commonly asked questions about Arco.

#1 – Where is Arco, ID?

Arco, ID is located in Butte County, Idaho, in District 6. The closest major city to Arco is Idaho Falls, which is 64.17 miles to the east.

#2 – What is Arco, ID known for?

In 1955 Arco became known as the world’s first nuclear-powered city. In 1961 it became the site of the only fatal nuclear accident in the U.S. when a core meltdown occurred at the National Reactor Testing Station, killing three workers.

Arco is also known for its proximity to the Craters of the Moon National Monument and Preserve, one of the best-preserved flood basalt areas in the continental United States.

#3 – Are there any nuclear power plants in Arco, ID?

Arco did not replace its nuclear reactor after the meltdown in 1961. There are no commercial-scale nuclear reactors in Idaho right now, but Idaho Falls was previously the home of 52 nuclear reactors, the largest number of nuclear reactors in the world (all but three of them have been decommissioned).

#4 – Why are there numbers on the mountain in Arco, ID?

Every year in Arco, the graduating class of Butte County High School climbs the mountain to paint large white numbers representing the year of their graduation. This tradition goes all the way back to 1929, and there are now so many painted numbers that the mountain goes by the name “Number Hill.”

#5 – Is ARCO gas connected to Arco, ID?

ARCO is not connected to Arco, ID in any way. ARCO is a southwestern U.S. company whose product is currently only available in the following five states: Arizona, California, Nevada, Oregon, and Washington.

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