Cheapest Car Insurance Quotes in Cascade

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Cascade Car Insurance

^$ 18

/mo

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 Cascade

The car insurance rate in Cascade is $507 for a six-month policy, which is $21 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $291, making it a popular choice for budget-conscious drivers. Rates in Cascade 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 Cascade

$507

Avg. Car Insurance in Idaho

$528

National Average

$1140

Cheapest Car Insurance Companies in Cascade

1st place: American National P&C

At $291 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 $314 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 $342 for six months, making it the third cheapest auto insurance company in Cascade.

Cascade Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cascade, ID is American National P&C, offering policies at just $291 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $314.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $975 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cascade drivers find the best deals.

Cheap Car Insurance Companies in Cascade, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$291	$50
Auto-Owners Insurance Co	$314	$52
Idaho Farm Bureau	$342	$59
USAA	$382	$64
Travelers	$399	$68
State Farm	$428	$72
American Family	$462	$78
American National	$508	$84
Mutual of Enumclaw	$519	$88
Farmers	$570	$96
Auto-Owners	$638	$108
Nationwide	$764	$128
Allstate	$975	$166

Key Takeaways

Way's key takeaways about car insurance in Cascade

The auto insurance costs in Cascade fall around $291 for six months.
The cheapest auto insurance company in Cascade is USAA.
Teen drivers pay the highest rate in Cascade at $505 per month.

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Cheapest Minimum Liability Car Insurance in Cascade

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 Cascade are given below.

USAA provides the cheapest minimum car insurance coverage in Cascade. Their Average 6 Month Premium is $108. Nationwide is the most expensive at $342 for the same period.

Cheapest Liability Coverage in Cascade, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$108	$18
American National	$120	$20
American National P&C	$120	$20
Idaho Farm Bureau	$137	$23
State Farm	$137	$23
Auto-Owners Insurance Co	$143	$24
Mutual of Enumclaw	$171	$29
Auto-Owners	$194	$33
American Family	$200	$34
Farm Bureau	$200	$34
Travelers	$223	$37
Farmers	$234	$39
Allstate	$342	$58
Nationwide	$342	$59

Cheapest Full Coverage Car Insurance in Cascade

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 Cascade is American National P&C at $50 per month and $291 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cascade, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$291	$50
Auto-Owners Insurance Co	$314	$52
Idaho Farm Bureau	$342	$59
USAA	$382	$64
Travelers	$399	$68
State Farm	$428	$72
American Family	$462	$78
American National	$508	$84
Mutual of Enumclaw	$519	$88
Farmers	$570	$96
Auto-Owners	$638	$108
Nationwide	$764	$128
Allstate	$975	$166

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Average Car Insurance in Cascade 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 Cascade, ID increasing?

Despite maintaining a clean driving record, your car insurance rates in Cascade, 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, Cascade's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Cascade

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 Cascade,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 Cascade at $24 per month. At $2999 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	$143	$24
Auto-Owners Insurance Co	$194	$33
Idaho Farm Bureau	$205	$35
Travelers	$1020	$172
State Farm	$1146	$193
Farm Bureau	$1288	$215
USAA	$1517	$255
Auto-Owners	$1637	$273
American Family	$1825	$307
Nationwide	$2184	$364
Farmers	$2446	$412
Allstate	$2999	$505

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 Cascade, Idaho Farm Bureau is the cheapest car insurance provider. At $211 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 Cascade is Allstate, offering rates of around $1391 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$211	$36
State Farm	$479	$81
American Family	$621	$105
Travelers	$644	$108
USAA	$787	$132
Farm Bureau	$890	$152
Farmers	$924	$156
Auto-Owners	$964	$164
Allstate	$1391	$232

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Car Insurance Rates with An Accident in Cascade

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 Cascade, ID, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cascade

The cheapest car insurance companies after an at-fault accident in Cascade include American National and AutoOwners Insurance Co, offering $154 and $165, respectively. Allstate is an expensive provider with an average six-month premium of $1488.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$154	$26
Auto-Owners Insurance Co	$165	$28
American National P&C	$177	$30
Idaho Farm Bureau	$177	$30
State Farm	$371	$62
USAA	$394	$66
Auto-Owners	$599	$101
Farm Bureau	$770	$131
American Family	$787	$132
Travelers	$878	$150
Nationwide	$1135	$189
Farmers	$1243	$209
Allstate	$1488	$251

Cascade Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cascade ID. For example, the car insurance in Cascade after a DUI increases to $473 for a six month policy. While the rate increases by $142 for a six-month policy in the case of a speeding ticket.

Cascade auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$696	$116
One Med/PIP claim	$702	$119
Not-at-fault accident	$718	$120
One comp claim	$741	$126
Failure to wear a seat belt	$753	$126
Two Med/PIP claims	$753	$128
Child safety restraint	$804	$134
Driving without lights	$804	$136
Two comp claims	$809	$135
Failure to show documents	$815	$138
Cell phone violation	$832	$139
Driving with expired registration	$832	$141
Following too closely	$832	$139
Illegal turn	$832	$141
Texting while driving	$832	$139
Wrong way/wrong lane	$832	$141
Driving too slowly	$838	$140
Failure to yield	$838	$142
Speeding 11 - 15 MPH over limit	$838	$140
Speeding 6 - 10 MPH over limit	$838	$142
Failure to stop at a red light	$844	$141
Improper passing	$850	$144
Speeding 16 - 20 MPH over limit	$850	$142
In 65 MPH zone	$855	$146
Speeding in school zone	$855	$143
Speeding 21 - 25 MPH over limit	$867	$148
Open container	$924	$154
At-fault accident - less than $1000	$929	$158
Passing school bus	$952	$158
Operating a vehicle without permission	$964	$164
At-fault accident - $1000-$2000	$1020	$170
At-fault accident - greater than $2000	$1020	$174
Driving with a suspended license	$1117	$186
Reckless driving	$1123	$191
Refusal to submit to a chemical test	$1135	$189
DUI	$1169	$199
Racing	$1169	$195
Leaving scene of an accident/hit and run	$1197	$204

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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 Cascade 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 Cascade.

The cheapest car insurance premiums in Cascade are offered by American National P&C at $200 for a six-month policy. However, it can be as expensive as $1466 with companies like Nationwide.

Cascade car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$200	$34
Idaho Farm Bureau	$297	$49
Travelers	$611	$103
State Farm	$667	$112
American Family	$753	$127
USAA	$764	$129
Farmers	$873	$147
Allstate	$1237	$208
Farm Bureau	$1294	$220
Auto-Owners	$1408	$235
Nationwide	$1466	$250

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 Cascade are offered by AutoOwners Insurance Co at $143. However, it can be as expensive as $1106 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cascade after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$143	$24
Idaho Farm Bureau	$143	$24
American National P&C	$148	$25
State Farm	$228	$38
USAA	$444	$74
American Family	$468	$79
Farm Bureau	$588	$98
Auto-Owners	$627	$107
Travelers	$793	$132
Farmers	$799	$134
Allstate	$1106	$184

Car Insurance Price Trends in Cascade, Idaho

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

The average cost of full coverage in the Cascade rose by $128 in December compared to $127 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 Cascade remained steady at $32 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 Cascade?

The car insurance in Cascade is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Cascade?

The cheapest car insurance in Cascade is $50 per month for full coverage.

How much is car insurance in Cascade for teenagers?

Car insurance for teenagers costs $143 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 Cascade?

The average cost of car insurance is $528 for a six-month policy. It will cost around $85 per month to insure your car in Cascade.

Is car insurance expensive in Cascade?

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

What is the best car insurance in Cascade, ID?

The best car insurance company in Cascade ID is American National P&C, offering $291 for a six-month policy.