Compare Spencer, ID Car Insurance Rates (2021)

Car insurance in Spencer, ID averages $244 a month. Spencer, Idaho car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Spencer car insurance rates, compare quotes from the top car insurance companies in Spencer, ID.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Spencer, ID are $2,928/year
  • Average car insurance rates in Spencer, ID after a DUI are $3,627/year
  • The cheapest car insurance company in Spencer is USAA

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

You’ll find Spencer car insurance rates, the cheapest Spencer, ID car insurance companies, and information on Idaho car insurance laws. You can also compare Spencer, Idaho car insurance rates to Coeur d’Alene car insurance rates, Lewiston car insurance rates, and Pocatello car insurance rates.

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

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

How do age, gender, and marital status affect Spencer, ID car insurance rates? Every Spencer, 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 Spencer, 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 $2,449 $2,433 $2,134 $2,214 $9,098 $10,515 $2,728 $2,875
American Family $2,088 $2,088 $1,859 $1,859 $7,355 $9,596 $2,088 $2,629
Farmers $1,616 $1,607 $1,426 $1,507 $7,794 $8,074 $1,862 $1,966
GEICO $2,016 $1,991 $1,919 $1,863 $4,278 $5,328 $2,718 $2,106
Liberty Mutual $1,508 $1,627 $1,215 $1,358 $4,956 $5,517 $1,602 $1,696
Nationwide $1,975 $2,021 $1,780 $1,890 $4,898 $6,036 $2,317 $2,497
State Farm $1,182 $1,182 $1,062 $1,062 $3,470 $4,385 $1,332 $1,531
Travelers $1,358 $1,380 $1,362 $1,356 $6,645 $10,490 $1,443 $1,659
USAA $1,100 $1,103 $1,070 $1,059 $3,565 $3,999 $1,458 $1,579

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Spencer, ID

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

Minimum Required Car Insurance Coverage in Spencer, 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 Spencer, ID Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Spencer, Idaho

Insurance Company Poor Fair Good
Allstate $5,693 $3,857 $3,368
American Family $4,776 $3,404 $2,905
Farmers $3,645 $3,093 $2,956
GEICO $3,377 $2,696 $2,260
Liberty Mutual $3,475 $2,138 $1,692
Nationwide $3,494 $2,818 $2,468
State Farm $2,670 $1,688 $1,344
Travelers $3,678 $3,093 $2,863
USAA $2,742 $1,585 $1,273

Cheapest Spencer, 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 Spencer, ID to rates for a clean record with top companies.

Annual Spencer, Idaho Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,548 $4,471 $4,992 $4,212
American Family $2,917 $4,122 $4,444 $3,299
Farmers $2,822 $3,571 $3,347 $3,188
GEICO $1,704 $2,720 $3,808 $2,879
Liberty Mutual $2,022 $2,535 $2,611 $2,571
Nationwide $2,233 $2,903 $4,061 $2,511
State Farm $1,737 $2,064 $1,901 $1,901
Travelers $1,988 $2,822 $4,884 $3,152
USAA $1,341 $1,908 $2,595 $1,623

Cheapest Spencer, ID Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Spencer, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,098 $10,515
American Family $7,355 $9,596
Farmers $7,794 $8,074
GEICO $4,278 $5,328
Liberty Mutual $4,956 $5,517
Nationwide $4,898 $6,036
State Farm $3,470 $4,385
Travelers $6,645 $10,490
USAA $3,565 $3,999

Cheapest Spencer, ID Car Insurance for Seniors

Take a look at Spencer, 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 Spencer, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,134 $2,214
American Family $1,859 $1,859
Farmers $1,426 $1,507
GEICO $1,919 $1,863
Liberty Mutual $1,215 $1,358
Nationwide $1,780 $1,890
State Farm $1,062 $1,062
Travelers $1,362 $1,356
USAA $1,070 $1,059

Cheapest Spencer, ID Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Spencer, Idaho

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,992
American Family $4,444
Farmers $3,347
GEICO $3,808
Liberty Mutual $2,611
Nationwide $4,061
State Farm $1,901
Travelers $4,884
USAA $2,595

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Spencer, ID Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Spencer, Idaho

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,306 $4,306
American Family $3,619 $3,771
Farmers $3,232 $3,232
GEICO $2,730 $2,825
Liberty Mutual $2,435 $2,435
Nationwide $2,927 $2,927
State Farm $1,855 $1,947
Travelers $3,212 $3,212
USAA $1,844 $1,889

The Best Cheap Car Insurance Companies in Spencer, ID

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

Average Annual Car Insurance Rates by Company in Spencer, Idaho

Insurance Company Average Annual Rates
Allstate $4,306
American Family $3,695
Farmers $3,232
GEICO $2,778
Liberty Mutual $2,435
Nationwide $2,927
State Farm $1,901
Travelers $3,212
USAA $1,867

Category Winners: Cheapest Car Insurance in Spencer, Idaho

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

Best Annual Car Insurance Rates by Company in Spencer, Idaho

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Spencer, ID Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Spencer, Idaho

Insurance Company Low Medium High
Allstate $4,123 $4,297 $4,498
American Family $3,705 $3,879 $3,502
Farmers $3,076 $3,195 $3,424
GEICO $2,640 $2,773 $2,920
Liberty Mutual $2,297 $2,431 $2,576
Nationwide $2,884 $3,077 $2,819
State Farm $1,793 $1,905 $2,004
Travelers $3,168 $3,259 $3,208
USAA $1,817 $1,864 $1,920

Compare Car Insurance Quotes in Spencer, ID

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption