Jerome drivers pay an average of $1,275/year — $496 less than the national average. With 162 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $267/year.
(888) 217-6781Estimated full coverage auto insurance rates for Jerome, ID from top carriers. Rates are adjusted for Jerome's 162 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| Idaho Farm Bureau ⭐ | $466 | $78/mo |
| GEICO | $482 | $80/mo |
| Progressive | $543 | $91/mo |
| State Farm | $599 | $100/mo |
| Farmers | $682 | $114/mo |
Estimates based on 2026 rate filings for ZIP 83338. Idaho Farm Bureau is cheapest at ~$78/mo. Actual rates vary by driver profile and exact Jerome location.
These Jerome-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Jerome, ID. Takes under 2 minutes.
(888) 217-6781Jerome is a smaller city in Idaho with a population of 12,349. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as snow, ice, wildlife crossings, wildfire smoke, mountain roads, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Jerome.
For official Idaho insurance regulations, visit the Idaho Department of Insurance. For driver licensing, see the Idaho Transportation Department.
Your specific ZIP code within Jerome can swing your premium by hundreds of dollars. Here's how rates compare across Jerome neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 83353 | Jerome South Side | $1,195/yr | $100/mo |
| 83341 | Jerome North Side | $1,252/yr | $104/mo |
| 83342 | Jerome West Side | $1,272/yr | $106/mo |
| 83346 | Jerome East Side | $1,286/yr | $107/mo |
| 83338 | Jerome Downtown/Central | $1,367/yr | $114/mo |
The cheapest ZIP is 83353 (Jerome South Side) at $1,195/yr. The most expensive is 83338 (Jerome Downtown/Central) at $1,367/yr — a $172/year difference for the same driver.
Your Jerome ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Jerome. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $2,678/yr | $223/mo | +110% vs avg |
| Young Adult (20-25) | $1,785/yr | $149/mo | +40% vs avg |
| Adult (26-35) | $1,275/yr | $106/mo | 0% vs avg |
| Mid-Career (36-50) | $1,122/yr | $94/mo | -12% vs avg |
| Senior (51-65) | $1,058/yr | $88/mo | -17% vs avg |
| 65+ | $1,135/yr | $95/mo | -11% vs avg |
Teens in Jerome pay an average of $2,678/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,058/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Idaho cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Jerome drivers can save up to $267/year. ZIP 83353 (Jerome South Side) has the lowest rates starting at $1,195/yr.
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