Compare Garden Valley, ID Car Insurance Rates (2021)

Car insurance in Garden Valley, ID averages $233 a month. Garden Valley, Idaho car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Garden Valley car insurance rates, compare quotes from the top car insurance companies in Garden Valley, ID.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Garden Valley for teen drivers is USAA
  • Average car insurance rates in Garden Valley, ID are $2,802/year
  • Average car insurance rates in Garden Valley, ID after a DUI are $3,475/year

If you need to buy Garden Valley, Idaho car insurance, the options can be confusing. Everything you need to know about car insurance in Garden Valley, ID is right here.

You’ll find Garden Valley car insurance rates, the cheapest Garden Valley, ID car insurance companies, and information on Idaho car insurance laws. You can also compare Garden Valley, Idaho car insurance rates to Twin Falls car insurance rates, Caldwell car insurance rates, and Lewiston car insurance rates.

Ready to find affordable Garden Valley, ID car insurance today? Enter your ZIP code for fast, free Garden Valley car insurance quotes.

Cheapest Garden Valley, ID Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Garden Valley, ID car insurance rates? Every Garden Valley, Idaho car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Garden Valley, Idaho

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,172 $2,151 $1,904 $1,972 $8,183 $9,491 $2,404 $2,533
American Family $2,088 $2,088 $1,859 $1,859 $7,355 $9,596 $2,088 $2,629
Farmers $1,505 $1,495 $1,326 $1,406 $7,398 $7,662 $1,729 $1,815
GEICO $2,016 $1,991 $1,919 $1,863 $4,278 $5,328 $2,718 $2,106
Liberty Mutual $1,426 $1,538 $1,158 $1,290 $4,493 $4,992 $1,515 $1,606
Nationwide $1,886 $1,932 $1,699 $1,806 $4,597 $5,674 $2,203 $2,374
State Farm $1,208 $1,208 $1,086 $1,086 $3,616 $4,542 $1,363 $1,586
Travelers $1,276 $1,296 $1,280 $1,274 $6,191 $9,765 $1,354 $1,557
USAA $1,100 $1,103 $1,070 $1,059 $3,565 $3,999 $1,458 $1,579

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Minimum Car Insurance in Garden Valley, ID

Every driver must carry the minimum car insurance in Garden Valley, ID. Take a look at the Idaho car insurance requirements.

Minimum Required Car Insurance Coverage in Garden Valley, Idaho

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Garden Valley, ID Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Garden Valley, ID. Compare credit history car insurance rates in Garden Valley from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Garden Valley, Idaho

Insurance Company Poor Fair Good
Allstate $5,080 $3,455 $3,018
American Family $4,776 $3,404 $2,905
Farmers $3,426 $2,915 $2,785
GEICO $3,377 $2,696 $2,260
Liberty Mutual $3,217 $1,974 $1,565
Nationwide $3,312 $2,666 $2,336
State Farm $2,757 $1,742 $1,387
Travelers $3,436 $2,888 $2,673
USAA $2,742 $1,585 $1,273

Cheapest Garden Valley, ID Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Garden Valley, ID to rates for a clean record with top companies.

Annual Garden Valley, Idaho Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,160 $3,988 $4,487 $3,770
American Family $2,917 $4,122 $4,444 $3,299
Farmers $2,651 $3,363 $3,158 $2,995
GEICO $1,704 $2,720 $3,808 $2,879
Liberty Mutual $1,871 $2,340 $2,420 $2,378
Nationwide $2,113 $2,748 $3,848 $2,377
State Farm $1,789 $2,134 $1,962 $1,962
Travelers $1,858 $2,634 $4,559 $2,944
USAA $1,341 $1,908 $2,595 $1,623

Cheapest Garden Valley, ID Car Insurance for Teen Drivers

Teen car insurance in Garden Valley, ID can be expensive. Take a look at rates from the top car insurance companies in Garden Valley for teenagers.

Annual Car Insurance Rates for Teen Drivers in Garden Valley, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,183 $9,491
American Family $7,355 $9,596
Farmers $7,398 $7,662
GEICO $4,278 $5,328
Liberty Mutual $4,493 $4,992
Nationwide $4,597 $5,674
State Farm $3,616 $4,542
Travelers $6,191 $9,765
USAA $3,565 $3,999

Cheapest Garden Valley, ID Car Insurance for Seniors

Take a look at Garden Valley, ID senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Garden Valley, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,904 $1,972
American Family $1,859 $1,859
Farmers $1,326 $1,406
GEICO $1,919 $1,863
Liberty Mutual $1,158 $1,290
Nationwide $1,699 $1,806
State Farm $1,086 $1,086
Travelers $1,280 $1,274
USAA $1,070 $1,059

Cheapest Garden Valley, ID Car Insurance Rates After a DUI

A DUI in Garden Valley, ID increases car insurance rates. Compare Garden Valley, Idaho DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Garden Valley, Idaho

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,487
American Family $4,444
Farmers $3,158
GEICO $3,808
Liberty Mutual $2,420
Nationwide $3,848
State Farm $1,962
Travelers $4,559
USAA $2,595

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Cheapest Garden Valley, ID Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Garden Valley, ID by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Garden Valley, Idaho

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,851 $3,851
American Family $3,619 $3,771
Farmers $3,042 $3,042
GEICO $2,730 $2,825
Liberty Mutual $2,252 $2,252
Nationwide $2,771 $2,771
State Farm $1,916 $2,007
Travelers $2,999 $2,999
USAA $1,844 $1,889

The Best Cheap Car Insurance Companies in Garden Valley, ID

Take a look at a side-by-side comparison of the top car insurance companies in Garden Valley, ID to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Garden Valley, Idaho

Insurance Company Average Annual Rates
Allstate $3,851
American Family $3,695
Farmers $3,042
GEICO $2,778
Liberty Mutual $2,252
Nationwide $2,771
State Farm $1,962
Travelers $2,999
USAA $1,867

Category Winners: Cheapest Car Insurance in Garden Valley, Idaho

Find the cheapest car insurance companies in Garden Valley, ID for each category right here.

Best Annual Car Insurance Rates by Company in Garden Valley, Idaho

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Garden Valley, ID Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Garden Valley car insurance rates. Find the cheapest Garden Valley, ID car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Garden Valley, Idaho

Insurance Company Low Medium High
Allstate $3,686 $3,843 $4,025
American Family $3,705 $3,879 $3,502
Farmers $2,880 $3,004 $3,241
GEICO $2,640 $2,773 $2,920
Liberty Mutual $2,141 $2,249 $2,367
Nationwide $2,732 $2,912 $2,669
State Farm $1,865 $1,965 $2,055
Travelers $2,953 $3,043 $3,001
USAA $1,817 $1,864 $1,920

What affects car insurance rates in Garden Valley, Idaho?

What factors can have an impact on Garden Valley, ID car insurance? There are several reasons why Garden Valley car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Garden Valley, Idaho.

Commute Time in Garden Valley

The more time you spend in your car the higher the risk of an accident. The average commute length in Garden Valley, ID is 29.9 minutes according to City-Data.

Compare Car Insurance Quotes in Garden Valley, ID

Ready to find affordable Garden Valley, Idaho car insurance today? Enter your ZIP code for fast, free Garden Valley, ID car insurance quotes.

Free Car Insurance Comparison

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