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Finding the cheapest car insurance quotes in Careywood shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Careywood
The car insurance rate in Careywood is $554 for a six-month policy, which is $26 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $318, making it a popular choice for budget-conscious drivers. Rates in Careywood 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.
At $318 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 $343 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 $374
for six months, making it
the third cheapest auto insurance company in Careywood.
Careywood Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Careywood, ID is American National P&C, offering policies at just $318 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $343.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1067 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Careywood drivers find the best deals.
Way's key takeaways about car insurance in Careywood
The auto insurance costs in Careywood fall around $318 for six
months.
The cheapest auto insurance company in Careywood is USAA.
Teen drivers pay the highest rate in Careywood at $552 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Careywood
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 Careywood are given below.
USAA provides
the cheapest minimum car insurance
coverage in Careywood. Their Average 6 Month Premium is $119.
Nationwide is the most
expensive at $374 for the same
period.
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 Careywood is American National P&C
at $55 per month and $318
for six months.
Cheapest Full Coverage Car Insurance Quotes in Careywood,
ID
Get Your Car Insurance Quote in Careywood
Instantly!
Average Car Insurance in Careywood 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 Careywood, ID increasing?
Despite maintaining a clean driving record, your car insurance rates
in Careywood, 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, Careywood's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Careywood
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Careywood,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 Careywood at $26
per
month. At $3280 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Careywood.
As young drivers face the highest rates in Careywood, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Careywood,
Idaho Farm Bureau is
the cheapest car insurance provider. At $231 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
Careywood is Allstate, offering
rates of around $1521 for six
months.
Save up to $971/yr on car insurance rates in Careywood.
Car Insurance Rates with An Accident in Careywood
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 Careywood, ID,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Careywood
The cheapest car insurance companies after an at-fault accident in
Careywood include American National
and AutoOwners Insurance Co, offering $168
and $181,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1628.
Here is a list of driving violations that can increase your car
insurance rates in Careywood ID. For example, the car
insurance in Careywood
after a DUI increases to $518 for a six
month policy. While the rate increases by $156 for a six-month policy in the case of
a speeding ticket.
Careywood auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$761
$127
One Med/PIP claim
$768
$130
Not-at-fault accident
$785
$131
One comp claim
$811
$138
Failure to wear a seat belt
$823
$138
Two Med/PIP claims
$823
$140
Child safety restraint
$880
$147
Driving without lights
$880
$149
Two comp claims
$885
$148
Failure to show documents
$891
$151
Cell phone violation
$910
$152
Driving with expired registration
$910
$154
Following too closely
$910
$152
Illegal turn
$910
$154
Texting while driving
$910
$152
Wrong way/wrong lane
$910
$154
Driving too slowly
$917
$153
Failure to yield
$917
$155
Speeding 11 - 15 MPH over limit
$917
$153
Speeding 6 - 10 MPH over limit
$917
$155
Failure to stop at a red light
$923
$154
Improper passing
$929
$158
Speeding 16 - 20 MPH over limit
$929
$155
In 65 MPH zone
$936
$160
Speeding in school zone
$936
$156
Speeding 21 - 25 MPH over limit
$948
$162
Open container
$1010
$168
At-fault accident - less than $1000
$1016
$173
Passing school bus
$1042
$173
Operating a vehicle without permission
$1054
$180
At-fault accident - $1000-$2000
$1116
$186
At-fault accident - greater than $2000
$1116
$190
Driving with a suspended license
$1222
$204
Reckless driving
$1229
$209
Refusal to submit to a chemical test
$1241
$207
DUI
$1279
$217
Racing
$1279
$213
Leaving scene of an accident/hit and run
$1309
$223
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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 Careywood 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 Careywood.
The cheapest car insurance premiums in
Careywood are
offered by American National P&C at $218 for a six-month policy.
However, it can be as
expensive as $1603 with companies
like Nationwide.
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 Careywood are offered by AutoOwners Insurance Co
at $156. However,
it can be as expensive as $1210
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Careywood after Speeding ticket
Car insurance rates in Careywood have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Careywood rose by
$140 in December
compared to $139 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 Careywood remained steady at $35 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Careywood by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Careywood. At $1108 for a
six-month policy, insuring
your car at 83809 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Careywood?
The car insurance in Careywood is $20 per month, which is lower than the national average.
What is the cheapest car insurance in Careywood?
The cheapest car insurance in Careywood
is $55 per month
for full coverage.
How much is car insurance in Careywood for teenagers?
Car insurance for teenagers costs $156 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
Careywood?
The average cost of car insurance is $528 for a six-month
policy. It will cost around $93 per month to insure your
car in Careywood.
Is car insurance expensive in Careywood?
Car insurance can be expensive in Careywood if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Careywood can be
affordable.
What is the best car insurance in Careywood,
ID?
The best car insurance company in Careywood
ID is
American National P&C, offering $318 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Careywood, ID
Car Insurance Rates by State in the USA (2025 Update)
Careywood Car Insurance
