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The most affordable insurer may vary depending on your coverage needs, preferences and driver profile. American National P&C has the cheapest rates for full and minimum coverage in Meridian. It also offers the lowest premiums for military-affiliated drivers and those with a speeding ticket or an at-fault accident. Teen drivers and those with a DUI will find the best value from State Farm. For the best balance of affordability and service, we recommend American National P&C.

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2023

Cheapest and Best Car Insurance in Meridian, ID

Cheapest Minimum Liability Car Insurance in Meridian

The cheapest car insurance companies for a minimum coverage policy in Meridian are:

  • American National P&C: $145 per year
  • Auto-Owners Insurance Co: $179 per year

Dairyland is the most expensive provider for minimum coverage, with premiums averaging $664 per year. American National P&C offers the cheapest auto insurance in Idaho and not just in Meridian, at an average cost of $127 per year for a minimum coverage policy. This makes getting insured with this provider roughly $18 more expensive in Meridian than in most other cities in the state.

Company
Annual Premium
Monthly Premium

American National P&C

$145

$12

American National P&C

$166

$14

American National P&C

$174

$15

State Farm

$176

$15

Auto-Owners Insurance Co

$179

$15

Auto-Owners Insurance Co

$184

$15

State Farm

$185

$15

State Farm

$225

$19

Auto-Owners Insurance Co

$245

$20

Idaho Farm Bureau

$247

$21

Idaho Farm Bureau

$296

$25

American National P&C

$303

$25

GEICO

$305

$25

American National P&C

$317

$26

GEICO

$327

$27

American Family

$336

$28

Farmers

$337

$28

American Family

$337

$28

Nationwide

$340

$28

Farmers

$347

$29

Nationwide

$352

$29

American Family

$353

$29

State Farm

$363

$30

Travelers

$376

$31

American National P&C

$388

$32

State Farm

$390

$33

Farmers

$391

$33

GEICO

$395

$33

Travelers

$400

$33

Auto-Owners Insurance Co

$419

$35

Auto-Owners Insurance Co

$419

$35

Travelers

$424

$35

Idaho Farm Bureau

$437

$36

Allstate

$472

$39

Allstate

$477

$40

Allstate

$495

$41

State Farm

$497

$41

Idaho Farm Bureau

$525

$44

American Family

$551

$46

Nationwide

$561

$47

Nationwide

$568

$47

Auto-Owners Insurance Co

$571

$48

American Family

$575

$48

American Family

$602

$50

GEICO

$610

$51

Dairyland

$632

$53

Nationwide

$640

$53

Idaho Farm Bureau

$640

$53

Farmers

$641

$53

GEICO

$652

$54

Dairyland

$664

$55

Farmers

$691

$58

Travelers

$728

$61

GEICO

$786

$66

Travelers

$790

$66

Dairyland

$819

$68

Nationwide

$820

$68

Allstate

$821

$68

Travelers

$824

$69

Allstate

$830

$69

Farmers

$835

$70

Allstate

$886

$74

Idaho Farm Bureau

$944

$79

Dairyland

$1,253

$104

Dairyland

$1,401

$117

Dairyland

$1,800

$150

The state determines liability limits for minimum coverage insurance. In Idaho, minimum coverage extends to bodily injury and property damage with these limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

The liability limits in your policy tell you how much your insurer will pay for injuries and damages to other drivers and their passengers if you’re at fault in an accident. If your policy only meets Idaho’s minimum bodily injury liability limit of $25,000 per person and $50,000 per accident, your insurer will pay for medical expenses up to $25,000 but not exceeding $50,000 per incident, regardless of how many people were injured. Any costs exceeding this limit must come out of your pocket.

Cheapest Full Coverage Car Insurance in Meridian

The cheapest car insurance companies for a full coverage policy in Meridian are:

  • American National P&C: $303 per year
  • State Farm: $390 per year

Dairyland is the most expensive insurer for full coverage at an average annual rate of $1,401. American National P&C offers the cheapest full coverage auto insurance in Idaho at $299 per year as of October 2022, almost identical to Meridian's average rate.

Company
Annual Premium
Monthly Premium

American National P&C

$145

$12

American National P&C

$166

$14

American National P&C

$174

$15

State Farm

$176

$15

Auto-Owners Insurance Co

$179

$15

Auto-Owners Insurance Co

$184

$15

State Farm

$185

$15

State Farm

$225

$19

Auto-Owners Insurance Co

$245

$20

Idaho Farm Bureau

$247

$21

Idaho Farm Bureau

$296

$25

American National P&C

$303

$25

GEICO

$305

$25

American National P&C

$317

$26

GEICO

$327

$27

American Family

$336

$28

Farmers

$337

$28

American Family

$337

$28

Nationwide

$340

$28

Farmers

$347

$29

Nationwide

$352

$29

American Family

$353

$29

State Farm

$363

$30

Travelers

$376

$31

American National P&C

$388

$32

State Farm

$390

$33

Farmers

$391

$33

GEICO

$395

$33

Travelers

$400

$33

Auto-Owners Insurance Co

$419

$35

Auto-Owners Insurance Co

$419

$35

Travelers

$424

$35

Idaho Farm Bureau

$437

$36

Allstate

$472

$39

Allstate

$477

$40

Allstate

$495

$41

State Farm

$497

$41

Idaho Farm Bureau

$525

$44

American Family

$551

$46

Nationwide

$561

$47

Nationwide

$568

$47

Auto-Owners Insurance Co

$571

$48

American Family

$575

$48

American Family

$602

$50

GEICO

$610

$51

Dairyland

$632

$53

Nationwide

$640

$53

Idaho Farm Bureau

$640

$53

Farmers

$641

$53

GEICO

$652

$54

Dairyland

$664

$55

Farmers

$691

$58

Travelers

$728

$61

GEICO

$786

$66

Travelers

$790

$66

Dairyland

$819

$68

Nationwide

$820

$68

Allstate

$821

$68

Travelers

$824

$69

Allstate

$830

$69

Farmers

$835

$70

Allstate

$886

$74

Idaho Farm Bureau

$944

$79

Dairyland

$1,253

$104

Dairyland

$1,401

$117

Dairyland

$1,800

$150

Full coverage insurance increases your level of protection because it has higher liability limits and adds comprehensive and collision insurance to your policy.

  • Collision Insurance: Covers the costs to repair or replace your vehicle if it sustains damage in an at-fault accident, such as a collision with another car or an object.
  • Comprehensive Insurance: Covers expenses to repair or replace your vehicle if it sustains damage in a non-accident incident like theft, vandalism or a weather-related event.

A full coverage policy isn’t always advisable if you have an older, less valuable car, but we highly encourage that drivers of newer and more expensive cars get this type of policy.

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Cheapest Car Insurance in Meridian After a Driving Offense

The cheapest car insurance companies for a full coverage policy after driving violations in Meridian are:

  • Speeding ticket: American National P&C ($372 per year)
  • At-fault accident: American National P&C ($437 per year)
  • DUI: State Farm ($436 per year)

Dairyland is the most expensive provider following a speeding ticket ($1,590) and an at-fault accident ($1,791). GEICO charges the highest rates after a DUI, an average annual rate of $2,030. Compared to drivers with clean records, those with offenses often pay higher premiums, even with the cheapest companies.

Company
Annual Premium
Monthly Premium

American National P&C

$175

$15

Auto-Owners Insurance Co

$179

$15

Auto-Owners Insurance Co

$184

$15

State Farm

$199

$17

State Farm

$199

$17

American National P&C

$202

$17

Auto-Owners Insurance Co

$206

$17

American National P&C

$208

$17

State Farm

$209

$17

State Farm

$209

$17

American National P&C

$211

$18

Auto-Owners Insurance Co

$213

$18

State Farm

$219

$18

State Farm

$230

$19

American National P&C

$236

$20

American National P&C

$240

$20

Auto-Owners Insurance Co

$245

$20

Idaho Farm Bureau

$247

$21

American National P&C

$250

$21

State Farm

$254

$21

State Farm

$254

$21

American National P&C

$272

$23

State Farm

$279

$23

Auto-Owners Insurance Co

$283

$24

American National P&C

$283

$24

Idaho Farm Bureau

$296

$25

Idaho Farm Bureau

$308

$26

Nationwide

$340

$28

American Family

$349

$29

American Family

$349

$29

American Family

$349

$29

American Family

$351

$29

American Family

$351

$29

American Family

$351

$29

Nationwide

$352

$29

GEICO

$357

$30

American Family

$365

$30

American Family

$365

$30

American Family

$365

$30

Idaho Farm Bureau

$369

$31

American National P&C

$372

$31

GEICO

$381

$32

American National P&C

$389

$32

State Farm

$407

$34

State Farm

$407

$34

Nationwide

$413

$34

Auto-Owners Insurance Co

$419

$35

Auto-Owners Insurance Co

$419

$35

Nationwide

$424

$35

State Farm

$436

$36

State Farm

$436

$36

Idaho Farm Bureau

$437

$36

American National P&C

$437

$36

Farmers

$440

$37

Farmers

$445

$37

State Farm

$446

$37

American National P&C

$458

$38

GEICO

$460

$38

Auto-Owners Insurance Co

$465

$39

American National P&C

$474

$40

Auto-Owners Insurance Co

$474

$40

Auto-Owners Insurance Co

$475

$40

State Farm

$477

$40

Auto-Owners Insurance Co

$480

$40

Farmers

$485

$40

American National P&C

$492

$41

Travelers

$502

$42

Farmers

$506

$42

American National P&C

$517

$43

Allstate

$521

$43

Idaho Farm Bureau

$525

$44

Idaho Farm Bureau

$525

$44

Allstate

$526

$44

Travelers

$527

$44

Farmers

$529

$44

Travelers

$532

$44

GEICO

$536

$45

Farmers

$540

$45

Idaho Farm Bureau

$547

$46

Allstate

$548

$46

Farmers

$553

$46

State Farm

$556

$46

State Farm

$556

$46

American National P&C

$558

$47

Travelers

$558

$47

GEICO

$560

$47

Nationwide

$561

$47

Farmers

$566

$47

Nationwide

$568

$47

Auto-Owners Insurance Co

$571

$48

Travelers

$574

$48

American Family

$575

$48

American Family

$575

$48

American Family

$575

$48

Farmers

$576

$48

Allstate

$578

$48

Allstate

$586

$49

Travelers

$591

$49

American Family

$600

$50

American Family

$600

$50

American Family

$600

$50

State Farm

$609

$51

Allstate

$610

$51

Travelers

$611

$51

Travelers

$621

$52

American Family

$628

$52

American Family

$628

$52

American Family

$628

$52

Idaho Farm Bureau

$629

$52

American National P&C

$630

$53

Allstate

$631

$53

Dairyland

$632

$53

Auto-Owners Insurance Co

$637

$53

GEICO

$639

$53

Allstate

$640

$53

Nationwide

$640

$53

Idaho Farm Bureau

$640

$53

Auto-Owners Insurance Co

$654

$54

Nationwide

$654

$55

Idaho Farm Bureau

$656

$55

Dairyland

$664

$55

Allstate

$668

$56

Travelers

$677

$56

Nationwide

$706

$59

GEICO

$713

$59

Dairyland

$739

$62

Nationwide

$755

$63

GEICO

$761

$63

Dairyland

$774

$64

Idaho Farm Bureau

$800

$67

Nationwide

$817

$68

Dairyland

$819

$68

Nationwide

$820

$68

Nationwide

$834

$70

Dairyland

$870

$72

Dairyland

$872

$73

Farmers

$887

$74

Farmers

$909

$76

GEICO

$917

$76

Idaho Farm Bureau

$931

$78

Nationwide

$935

$78

Allstate

$937

$78

Travelers

$943

$79

Idaho Farm Bureau

$944

$79

Allstate

$953

$79

Dairyland

$977

$81

Travelers

$987

$82

Farmers

$988

$82

Travelers

$990

$83

Dairyland

$996

$83

Farmers

$996

$83

Auto-Owners Insurance Co

$1,005

$84

Auto-Owners Insurance Co

$1,006

$84

GEICO

$1,015

$85

Allstate

$1,016

$85

Travelers

$1,018

$85

Nationwide

$1,028

$86

Farmers

$1,031

$86

Travelers

$1,039

$87

GEICO

$1,041

$87

Farmers

$1,043

$87

Farmers

$1,054

$88

Travelers

$1,069

$89

GEICO

$1,072

$89

Allstate

$1,075

$90

Idaho Farm Bureau

$1,082

$90

Allstate

$1,097

$91

Travelers

$1,101

$92

GEICO

$1,120

$93

Farmers

$1,133

$94

Nationwide

$1,145

$95

Travelers

$1,157

$96

Allstate

$1,168

$97

Farmers

$1,176

$98

Idaho Farm Bureau

$1,179

$98

Allstate

$1,185

$99

Travelers

$1,187

$99

GEICO

$1,190

$99

Nationwide

$1,209

$101

Allstate

$1,211

$101

Dairyland

$1,253

$104

GEICO

$1,277

$106

Allstate

$1,287

$107

Idaho Farm Bureau

$1,318

$110

Dairyland

$1,401

$117

Auto-Owners Insurance Co

$1,404

$117

Dairyland

$1,487

$124

Dairyland

$1,590

$133

Nationwide

$1,666

$139

Dairyland

$1,791

$149

Dairyland

$1,800

$150

Dairyland

$1,840

$153

Dairyland

$1,911

$159

Idaho Farm Bureau

$1,942

$162

GEICO

$2,030

$169

GEICO

$2,084

$174

Dairyland

$2,192

$183

GEICO

$2,375

$198

In most cases, violations will cause your premiums to increase relative to the seriousness of the offense. In Meridian, a full coverage policy will cost an average of $102 more per year after a speeding ticket and $436 more after a DUI. There are still several affordable car insurance options for drivers with bad records.

Cheapest Car Insurance in Meridian for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in Meridian are:

  • State Farm: $1,072 per year for female teens; $1,360 per year for male teens
  • Nationwide: $1,249 per year for female teens; $1,386 per year for male teens

Travelers has the highest rates for teens, with a full coverage policy costing around $1,794 for girls and $2,289 for boys per year when added to a family policy. On average, male teens are higher-risk and more expensive to insure than female teens. The gender-specific rate differences drop off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$380

$1,168

State Farm

$417

$1,282

State Farm

$440

$1,560

State Farm

$456

$1,403

GEICO

$485

$1,590

GEICO

$547

$1,793

GEICO

$584

$1,914

GEICO

$609

$2,689

Auto-Owners Insurance Co

$644

$1,417

State Farm

$648

$1,302

Auto-Owners Insurance Co

$663

$1,537

Auto-Owners Insurance Co

$705

$1,635

State Farm

$708

$1,708

Auto-Owners Insurance Co

$725

$1,595

Auto-Owners Insurance Co

$728

$1,858

State Farm

$732

$1,471

GEICO

$737

$1,859

Auto-Owners Insurance Co

$745

$1,729

Auto-Owners Insurance Co

$765

$1,989

Nationwide

$771

$1,411

State Farm

$778

$1,856

Travelers

$786

$1,270

Auto-Owners Insurance Co

$788

$1,736

Nationwide

$789

$1,529

Auto-Owners Insurance Co

$805

$2,239

State Farm

$807

$1,621

State Farm

$809

$1,950

State Farm

$809

$2,197

Farmers

$833

$1,784

Auto-Owners Insurance Co

$842

$1,993

Nationwide

$846

$1,986

Travelers

$857

$1,326

GEICO

$871

$2,195

State Farm

$872

$2,081

Travelers

$879

$1,420

Travelers

$887

$1,575

Farmers

$888

$1,967

Allstate

$889

$1,369

Nationwide

$892

$1,632

GEICO

$895

$2,256

Nationwide

$897

$2,235

GEICO

$899

$2,763

Nationwide

$905

$1,850

GEICO

$906

$2,831

Travelers

$910

$1,471

Auto-Owners Insurance Co

$916

$2,167

Auto-Owners Insurance Co

$923

$2,392

Allstate

$932

$1,396

State Farm

$933

$2,526

Nationwide

$935

$1,812

Auto-Owners Insurance Co

$939

$2,612

Auto-Owners Insurance Co

$944

$3,026

Nationwide

$946

$2,069

Nationwide

$949

$1,738

Travelers

$975

$1,510

Allstate

$989

$1,524

Nationwide

$992

$1,924

GEICO

$998

$3,055

Travelers

$1,007

$1,723

Travelers

$1,013

$1,810

Allstate

$1,013

$1,887

State Farm

$1,022

$2,439

State Farm

$1,022

$2,799

Allstate

$1,029

$1,797

Travelers

$1,050

$1,625

Allstate

$1,060

$3,867

Farmers

$1,070

$1,458

State Farm

$1,070

$2,896

State Farm

$1,072

$3,280

Allstate

$1,073

$1,654

Farmers

$1,085

$1,504

Farmers

$1,087

$1,482

Allstate

$1,097

$2,043

Allstate

$1,104

$1,654

GEICO

$1,111

$4,040

Allstate

$1,112

$2,180

GEICO

$1,117

$3,431

Nationwide

$1,121

$3,169

Farmers

$1,122

$1,632

GEICO

$1,133

$5,266

Farmers

$1,135

$1,573

Farmers

$1,136

$1,550

Allstate

$1,142

$2,453

Allstate

$1,143

$1,982

Nationwide

$1,150

$3,732

Nationwide

$1,168

$2,742

State Farm

$1,183

$3,203

Farmers

$1,184

$1,806

Travelers

$1,185

$2,028

GEICO

$1,188

$3,636

Travelers

$1,189

$2,025

Travelers

$1,194

$2,377

Farmers

$1,213

$1,681

Allstate

$1,215

$1,821

Nationwide

$1,237

$3,836

Nationwide

$1,249

$4,274

Auto-Owners Insurance Co

$1,259

$3,492

Auto-Owners Insurance Co

$1,264

$2,626

Nationwide

$1,275

$3,178

Nationwide

$1,277

$4,457

GEICO

$1,278

$5,938

Nationwide

$1,281

$4,159

Allstate

$1,284

$2,842

Allstate

$1,289

$2,526

GEICO

$1,291

$5,160

Farmers

$1,294

$3,444

Allstate

$1,298

$4,863

Farmers

$1,305

$6,825

GEICO

$1,320

$6,454

Travelers

$1,329

$2,989

Farmers

$1,343

$7,102

Allstate

$1,349

$4,919

GEICO

$1,353

$7,671

State Farm

$1,355

$3,670

State Farm

$1,360

$4,178

Farmers

$1,364

$3,732

Auto-Owners Insurance Co

$1,367

$2,841

Nationwide

$1,386

$5,095

Auto-Owners Insurance Co

$1,398

$3,879

Allstate

$1,399

$6,520

Nationwide

$1,421

$4,959

Travelers

$1,427

$2,430

Auto-Owners Insurance Co

$1,440

$3,511

Travelers

$1,440

$2,905

Farmers

$1,442

$3,091

Auto-Owners Insurance Co

$1,476

$4,910

Farmers

$1,497

$7,827

Allstate

$1,510

$5,658

Farmers

$1,520

$3,366

Farmers

$1,526

$8,067

Allstate

$1,538

$6,762

Farmers

$1,614

$10,677

GEICO

$1,619

$7,918

Farmers

$1,643

$10,895

Travelers

$1,655

$3,724

GEICO

$1,677

$10,226

Travelers

$1,794

$4,996

Travelers

$1,831

$4,118

Travelers

$2,289

$6,496

Travelers

$2,326

$5,235

If you have a teen driver in the family, one of the best ways to save on insurance is to add the teen to a family policy. Buying separate policies is usually more expensive. For example, the average 16-year-old boy in Meridian who purchases a separate policy pays around $4,081 per year for full coverage. Piggybacking on a family policy only costs $1,667 per year, a $2,414 difference. This is just one of several ways families can save when purchasing the cheapest auto insurance for teens.

Cheapest Car Insurance in Meridian for Military Drivers

The cheapest car insurance companies for military families and veterans in Meridian are:

  • American National P&C: $303 per year
  • State Farm: $390 per year

These rates are for full coverage insurance. USAA is also worth considering, ranking third on our list of the cheapest providers and offering services tailored to the needs of the military. If you prefer to purchase a minimum coverage policy, American National P&C and Auto-Owners Insurance Co offer the lowest premiums at $145 and $179 per year, respectively.

Company
Annual Premium
Monthly Premium

American National P&C

$145

$12

American National P&C

$166

$14

American National P&C

$174

$15

State Farm

$176

$15

Auto-Owners Insurance Co

$179

$15

Auto-Owners Insurance Co

$184

$15

State Farm

$185

$15

USAA

$192

$16

USAA

$215

$18

State Farm

$225

$19

USAA

$241

$20

Auto-Owners Insurance Co

$245

$20

Idaho Farm Bureau

$247

$21

Idaho Farm Bureau

$296

$25

American National P&C

$303

$25

GEICO

$305

$25

American National P&C

$317

$26

GEICO

$327

$27

American Family

$336

$28

Farmers

$337

$28

American Family

$337

$28

Nationwide

$340

$28

Farmers

$347

$29

Nationwide

$352

$29

American Family

$353

$29

State Farm

$363

$30

Travelers

$376

$31

American National P&C

$388

$32

State Farm

$390

$33

Farmers

$391

$33

GEICO

$395

$33

Travelers

$400

$33

USAA

$407

$34

Auto-Owners Insurance Co

$419

$35

Auto-Owners Insurance Co

$419

$35

Travelers

$424

$35

USAA

$427

$36

Idaho Farm Bureau

$437

$36

Allstate

$472

$39

Allstate

$477

$40

Allstate

$495

$41

State Farm

$497

$41

USAA

$509

$42

Idaho Farm Bureau

$525

$44

American Family

$551

$46

Nationwide

$561

$47

Nationwide

$568

$47

Auto-Owners Insurance Co

$571

$48

American Family

$575

$48

American Family

$602

$50

GEICO

$610

$51

Dairyland

$632

$53

Idaho Farm Bureau

$640

$53

Nationwide

$640

$53

Farmers

$641

$53

GEICO

$652

$54

Dairyland

$664

$55

Farmers

$691

$58

Travelers

$728

$61

GEICO

$786

$66

Travelers

$790

$66

Dairyland

$819

$68

Nationwide

$820

$68

Allstate

$821

$68

Travelers

$824

$69

Allstate

$830

$69

Farmers

$835

$70

Allstate

$886

$74

Idaho Farm Bureau

$944

$79

Dairyland

$1,253

$104

Dairyland

$1,401

$117

Dairyland

$1,800

$150

How to Compare Cheap Meridian Car Insurance Quotes Online

Many insurers offer personalized quotes for free. But completing the online form could take 15 minutes or longer per company, and you’ll need to provide a lot of personal information.

Use MoneyGeek’s car insurance calculator for a quick ballpark figure of your premium. Enter your age, vehicle type, preferred coverage level and driving record, and our database will automatically scan thousands of quotes to give you a reliable estimate.

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USAA

Best Car Insurance in Meridian: Summary

The best car insurance for you depends on your preferences regarding affordability, service quality, coverage options and other factors. These are the best car insurance companies in Meridian, Idaho, for several categories, according to our research:

  • Best overall: American National P&C (MoneyGeek 83 score out of 100)
  • Best for service: American National P&C (MoneyGeek score 67 out of 100)
  • Best cheap: American National P&C (MoneyGeek score 83 out of 100)

A company’s MoneyGeek score can vary depending on how we adjust criteria weights for a specific category. Based on our study, American National P&C is the best overall auto insurer in Meridian and the best car insurance in Idaho. For drivers with a military background, the next-best option is USAA, earning a MoneyGeek score of 82 out of 100.

Best Overall Car Insurance in Meridian

The following car insurance companies offer the cheapest car insurance with great customer service in Meridian:

  • American National P&C: MoneyGeek score 83 out of 100 ($303 per year)
  • Auto-Owners Insurance Co: MoneyGeek score 78 out of 100 ($419 per year)

As of October 2022, American National P&C offers the cheapest rates out of nine providers and received the highest marks on customer satisfaction. USAA also ranks highly in our system, scoring 82 out of 100, providing its first-rate service alongside the third-cheapest full coverage policies in Meridian at $407 per year.

How was this MoneyGeek score calculated?

American National Insurance Company

pros

Has the cheapest premiums out of nine providers

Ranks first in customer satisfaction

Offers gap insurance, roadside assistance and rental car coverages

cons

Weak claims management score

Doesn’t offer deductible modification and accident forgiveness

COMPANY HIGHLIGHTS

American National P&C only offers a few add-ons, but these include three of the four essential coverages. It has the cheapest full coverage rates in Meridian out of nine insurers, and its comprehensive and collision coverage policies already include free car rental coverage, making American National P&C's standard full coverage policies a great bargain.

With the company's roadside assistance coverage, you don't have to worry about getting stuck on the road with a flat tire or a dead battery, especially if traveling solo. You're guaranteed round-the-clock services. We also recommend getting gap insurance if you purchased your car through a loan. With this add-on, your policy will cover the difference between what you owe and what your totaled car is worth.

Best Car Insurance in Meridian for Customer Service

We recommend these companies if you want to receive the best customer experience in Meridian without considering cost:

  • American National P&C: MoneyGeek score 67 out of 100 ($303 per year)
  • Auto-Owners Insurance Co: MoneyGeek score 66 out of 100 ($419 per year)

American National P&C has a strong reputation for delivering exceptional service while providing a good selection of essential coverages. Another upside is that this insurer won’t charge you higher rates for these perks, being the most affordable insurer for full coverage out of nine companies in Meridian.

How was this MoneyGeek score calculated?

American National Insurance Company

pros

Excellent ratings on customer service – the highest out of nine providers

Has three out of the four essential coverages

Offers antique/classic car insurance and spare parts coverage

cons

Doesn’t offer original equipment manufacturer (OEM), accident forgiveness and deductible modification coverages

Weak claims management score

COMPANY HIGHLIGHTS

American National P&C offers three essential coverages, which most drivers might find sufficient – rental car coverage, roadside assistance and gap insurance. It also has a few rare add-ons that some drivers might find useful.

If you're concerned about the costs of replacing spare car parts, it's worth paying a few extra dollars per year to add spare parts coverage to your American National P&C policy. You're guaranteed to receive up to $1,000 to restock if your spare car parts are damaged in a covered loss.

It's also one of a handful of insurers offering collector car insurance. With this add-on, you'll have peace of mind knowing that your policy will pay for any specialized repairs or restoration that your classic car needs after an accident. These repairs are usually more expensive than those for newer cars.

Best Cheap Car Insurance in Meridian

The best auto insurance companies in Meridian that meet Idaho’s minimum coverage requirements are:

  • American National P&C: MoneyGeek score 83 out of 100 ($145 per year)
  • Auto-Owners Insurance Co: MoneyGeek score 82 out of 100 ($179 per year)

Minimum coverage is often the cheapest auto insurance option for most drivers, but be aware that it gives you the least protection against liability costs and won’t cover damages to your car if you are involved in an accident.

How was this MoneyGeek score calculated?

American National Insurance Company

pros

An affordable minimum coverage policy costs $145 per year

Ranks first in affordability and customer satisfaction out of nine providers

Offers discounts for bundling policies, insuring multiple cars and for early renewal of policy

cons

Below-average claims management score

Has very few discounts

COMPANY HIGHLIGHTS

American National P&C provides the best balance of affordable rates and efficient customer service out of the nine companies we studied in Meridian. It might have a short list of discounts, but its rates are very affordable, with minimum coverage policies costing only around $145 per year. This rate is the cheapest in the city, costing $34 less than the next cheapest provider.

American National P&C only offers three discounts, but these are broadly applicable, so you'll likely qualify for at least one. For example, you'll get savings by bundling your auto insurance with a home or life insurance policy. You'll also get a discount by insuring multiple cars. But the easiest way to get a discount without purchasing additional policies is to simply sign up for an auto policy before your current one expires.

Average Cost of Car Insurance in Meridian

The average cost of car insurance in Meridian is $656 per year. This is $14 less than the average cost of car insurance in Idaho ($670) and cheaper by $595 than the national average ($1,265) as of October 2022. These costs apply to a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident. Keep in mind that location is just one of several factors that affect car insurance rates.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.