Cheapest Car Insurance Quotes in Bonners Ferry

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Bonners Ferry Car Insurance

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Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Bonners Ferry

The car insurance rate in Bonners Ferry is $560 for a six-month policy, which is $32 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $321, making it a popular choice for budget-conscious drivers. Rates in Bonners Ferry can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Bonners Ferry

$560

Avg. Car Insurance in Idaho

$528

National Average

$1140

Cheapest Car Insurance Companies in Bonners Ferry

1st place: American National P&C

At $321 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $347 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Idaho Farm Bureau

Idaho Farm Bureau offers auto insurance rates at $377 for six months, making it the third cheapest auto insurance company in Bonners Ferry.

Bonners Ferry Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bonners Ferry, ID is American National P&C, offering policies at just $321 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $347.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1077 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bonners Ferry drivers find the best deals.

Cheap Car Insurance Companies in Bonners Ferry, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$321	$55
Auto-Owners Insurance Co	$347	$57
Idaho Farm Bureau	$377	$65
USAA	$422	$71
Travelers	$441	$75
State Farm	$473	$80
American Family	$510	$86
American National	$561	$93
Mutual of Enumclaw	$573	$98
Farmers	$630	$106
Auto-Owners	$705	$120
Nationwide	$844	$141
Allstate	$1077	$183

Key Takeaways

Way's key takeaways about car insurance in Bonners Ferry

The auto insurance costs in Bonners Ferry fall around $321 for six months.
The cheapest auto insurance company in Bonners Ferry is USAA.
Teen drivers pay the highest rate in Bonners Ferry at $558 per month.

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Cheapest Minimum Liability Car Insurance in Bonners Ferry

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Bonners Ferry are given below.

USAA provides the cheapest minimum car insurance coverage in Bonners Ferry. Their Average 6 Month Premium is $120. Nationwide is the most expensive at $377 for the same period.

Cheapest Liability Coverage in Bonners Ferry, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$120	$20
American National	$133	$22
American National P&C	$133	$22
Idaho Farm Bureau	$152	$25
State Farm	$152	$25
Auto-Owners Insurance Co	$158	$27
Mutual of Enumclaw	$189	$32
Auto-Owners	$214	$36
American Family	$220	$37
Farm Bureau	$220	$37
Travelers	$246	$41
Farmers	$259	$43
Allstate	$377	$64
Nationwide	$377	$65

Cheapest Full Coverage Car Insurance in Bonners Ferry

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Bonners Ferry is American National P&C at $55 per month and $321 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bonners Ferry, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$321	$55
Auto-Owners Insurance Co	$347	$57
Idaho Farm Bureau	$377	$65
USAA	$422	$71
Travelers	$441	$75
State Farm	$473	$80
American Family	$510	$86
American National	$561	$93
Mutual of Enumclaw	$573	$98
Farmers	$630	$106
Auto-Owners	$705	$120
Nationwide	$844	$141
Allstate	$1077	$183

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Average Car Insurance in Bonners Ferry by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Bonners Ferry, ID increasing?

Despite maintaining a clean driving record, your car insurance rates in Bonners Ferry, Idaho, may be increasing due to several external factors. Idaho has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Bonners Ferry's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bonners Ferry

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Bonners Ferry,ID

If you are planning to get a car insurance policy for your teenage dependent, American National P&C provides the cheapest car insurance in the Bonners Ferry at $27 per month. At $3311 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$158	$27
Auto-Owners Insurance Co	$214	$36
Idaho Farm Bureau	$227	$38
Travelers	$1127	$190
State Farm	$1266	$213
Farm Bureau	$1423	$237
USAA	$1675	$282
Auto-Owners	$1807	$301
American Family	$2015	$339
Nationwide	$2412	$402
Farmers	$2701	$455
Allstate	$3311	$558

Teen Car Insurance Rates in ID by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Bonners Ferry, Idaho Farm Bureau is the cheapest car insurance provider. At $233 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Bonners Ferry is Allstate, offering rates of around $1536 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$233	$39
State Farm	$529	$89
American Family	$686	$116
Travelers	$711	$120
USAA	$869	$145
Farm Bureau	$983	$167
Farmers	$1020	$172
Auto-Owners	$1064	$181
Allstate	$1536	$257

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Car Insurance Rates with An Accident in Bonners Ferry

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Bonners Ferry, ID, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Bonners Ferry

The cheapest car insurance companies after an at-fault accident in Bonners Ferry include American National and AutoOwners Insurance Co, offering $170 and $182, respectively. Allstate is an expensive provider with an average six-month premium of $1643.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$170	$29
Auto-Owners Insurance Co	$182	$31
American National P&C	$195	$33
Idaho Farm Bureau	$195	$33
State Farm	$409	$69
USAA	$435	$73
Auto-Owners	$661	$111
Farm Bureau	$850	$144
American Family	$869	$146
Travelers	$970	$165
Nationwide	$1253	$209
Farmers	$1373	$231
Allstate	$1643	$277

Bonners Ferry Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bonners Ferry ID. For example, the car insurance in Bonners Ferry after a DUI increases to $522 for a six month policy. While the rate increases by $156 for a six-month policy in the case of a speeding ticket.

Bonners Ferry auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$769	$128
One Med/PIP claim	$775	$131
Not-at-fault accident	$793	$133
One comp claim	$818	$139
Failure to wear a seat belt	$831	$139
Two Med/PIP claims	$831	$141
Child safety restraint	$888	$148
Driving without lights	$888	$151
Two comp claims	$894	$149
Failure to show documents	$900	$153
Cell phone violation	$919	$154
Driving with expired registration	$919	$156
Following too closely	$919	$154
Illegal turn	$919	$156
Texting while driving	$919	$154
Wrong way/wrong lane	$919	$156
Driving too slowly	$925	$155
Failure to yield	$925	$157
Speeding 11 - 15 MPH over limit	$925	$155
Speeding 6 - 10 MPH over limit	$925	$157
Failure to stop at a red light	$932	$156
Improper passing	$938	$159
Speeding 16 - 20 MPH over limit	$938	$157
In 65 MPH zone	$944	$161
Speeding in school zone	$944	$158
Speeding 21 - 25 MPH over limit	$957	$163
Open container	$1020	$170
At-fault accident - less than $1000	$1026	$175
Passing school bus	$1052	$175
Operating a vehicle without permission	$1064	$181
At-fault accident - $1000-$2000	$1127	$188
At-fault accident - greater than $2000	$1127	$192
Driving with a suspended license	$1234	$206
Reckless driving	$1240	$211
Refusal to submit to a chemical test	$1253	$209
DUI	$1291	$219
Racing	$1291	$215
Leaving scene of an accident/hit and run	$1322	$225

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Bonners Ferry after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Bonners Ferry.

The cheapest car insurance premiums in Bonners Ferry are offered by American National P&C at $220 for a six-month policy. However, it can be as expensive as $1619 with companies like Nationwide.

Bonners Ferry car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$220	$37
Idaho Farm Bureau	$328	$54
Travelers	$674	$113
State Farm	$737	$124
American Family	$831	$140
USAA	$844	$142
Farmers	$964	$162
Allstate	$1366	$230
Farm Bureau	$1429	$243
Auto-Owners	$1555	$260
Nationwide	$1619	$276

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Bonners Ferry are offered by AutoOwners Insurance Co at $158. However, it can be as expensive as $1221 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bonners Ferry after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$158	$27
Idaho Farm Bureau	$158	$27
American National P&C	$163	$28
State Farm	$252	$42
USAA	$491	$82
American Family	$516	$87
Farm Bureau	$649	$108
Auto-Owners	$692	$118
Travelers	$876	$146
Farmers	$882	$148
Allstate	$1221	$204

Car Insurance Price Trends in Bonners Ferry, Idaho

Car insurance rates in Bonners Ferry have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Bonners Ferry rose by $141 in December compared to $140 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Bonners Ferry remained steady at $35 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Bonners Ferry?

The car insurance in Bonners Ferry is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Bonners Ferry?

The cheapest car insurance in Bonners Ferry is $55 per month for full coverage.

How much is car insurance in Bonners Ferry for teenagers?

Car insurance for teenagers costs $158 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Bonners Ferry?

The average cost of car insurance is $528 for a six-month policy. It will cost around $94 per month to insure your car in Bonners Ferry.

Is car insurance expensive in Bonners Ferry?

Car insurance can be expensive in Bonners Ferry if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Bonners Ferry can be affordable.

What is the best car insurance in Bonners Ferry, ID?

The best car insurance company in Bonners Ferry ID is American National P&C, offering $321 for a six-month policy.