Cheapest Car Insurance Quotes in Coolin

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Coolin Car Insurance

^$ 20

/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 Coolin

The car insurance rate in Coolin is $549 for a six-month policy, which is $21 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $315, making it a popular choice for budget-conscious drivers. Rates in Coolin 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 Coolin

$549

Avg. Car Insurance in Idaho

$528

National Average

$1140

Cheapest Car Insurance Companies in Coolin

1st place: American National P&C

At $315 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 $340 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 $370 for six months, making it the third cheapest auto insurance company in Coolin.

Coolin Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Coolin, ID is American National P&C, offering policies at just $315 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $340.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1057 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Coolin drivers find the best deals.

Cheap Car Insurance Companies in Coolin, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$315	$54
Auto-Owners Insurance Co	$340	$56
Idaho Farm Bureau	$370	$63
USAA	$414	$70
Travelers	$433	$74
State Farm	$464	$78
American Family	$500	$84
American National	$550	$92
Mutual of Enumclaw	$563	$96
Farmers	$618	$104
Auto-Owners	$692	$118
Nationwide	$828	$138
Allstate	$1057	$180

Key Takeaways

Way's key takeaways about car insurance in Coolin

The auto insurance costs in Coolin fall around $315 for six months.
The cheapest auto insurance company in Coolin is USAA.
Teen drivers pay the highest rate in Coolin at $547 per month.

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Cheapest Minimum Liability Car Insurance in Coolin

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 Coolin are given below.

USAA provides the cheapest minimum car insurance coverage in Coolin. Their Average 6 Month Premium is $118. Nationwide is the most expensive at $370 for the same period.

Cheapest Liability Coverage in Coolin, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$118	$20
American National	$130	$22
American National P&C	$130	$22
Idaho Farm Bureau	$149	$25
State Farm	$149	$25
Auto-Owners Insurance Co	$155	$26
Mutual of Enumclaw	$185	$31
Auto-Owners	$210	$35
American Family	$216	$36
Farm Bureau	$216	$36
Travelers	$241	$41
Farmers	$254	$43
Allstate	$370	$62
Nationwide	$370	$63

Cheapest Full Coverage Car Insurance in Coolin

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 Coolin is American National P&C at $54 per month and $315 for six months.

Cheapest Full Coverage Car Insurance Quotes in Coolin, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$315	$54
Auto-Owners Insurance Co	$340	$56
Idaho Farm Bureau	$370	$63
USAA	$414	$70
Travelers	$433	$74
State Farm	$464	$78
American Family	$500	$84
American National	$550	$92
Mutual of Enumclaw	$563	$96
Farmers	$618	$104
Auto-Owners	$692	$118
Nationwide	$828	$138
Allstate	$1057	$180

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Average Car Insurance in Coolin 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 Coolin, ID increasing?

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

Car Insurance Premiums by Age in Coolin

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 Coolin,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 Coolin at $26 per month. At $3249 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	$155	$26
Auto-Owners Insurance Co	$210	$35
Idaho Farm Bureau	$223	$37
Travelers	$1106	$186
State Farm	$1242	$209
Farm Bureau	$1396	$233
USAA	$1643	$277
Auto-Owners	$1773	$295
American Family	$1977	$333
Nationwide	$2366	$394
Farmers	$2650	$446
Allstate	$3249	$547

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 Coolin, Idaho Farm Bureau is the cheapest car insurance provider. At $229 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 Coolin is Allstate, offering rates of around $1507 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$229	$38
State Farm	$519	$87
American Family	$673	$113
Travelers	$698	$118
USAA	$853	$142
Farm Bureau	$964	$164
Farmers	$1000	$168
Auto-Owners	$1044	$178
Allstate	$1507	$252

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Car Insurance Rates with An Accident in Coolin

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

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

The cheapest car insurance companies after an at-fault accident in Coolin include American National and AutoOwners Insurance Co, offering $166 and $179, respectively. Allstate is an expensive provider with an average six-month premium of $1612.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$166	$28
Auto-Owners Insurance Co	$179	$30
American National P&C	$191	$32
Idaho Farm Bureau	$191	$32
State Farm	$401	$68
USAA	$426	$72
Auto-Owners	$649	$109
Farm Bureau	$834	$141
American Family	$853	$144
Travelers	$952	$162
Nationwide	$1229	$205
Farmers	$1347	$227
Allstate	$1612	$271

Coolin Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Coolin ID. For example, the car insurance in Coolin after a DUI increases to $513 for a six month policy. While the rate increases by $154 for a six-month policy in the case of a speeding ticket.

Coolin auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$754	$126
One Med/PIP claim	$760	$129
Not-at-fault accident	$778	$130
One comp claim	$803	$136
Failure to wear a seat belt	$815	$136
Two Med/PIP claims	$815	$138
Child safety restraint	$872	$146
Driving without lights	$872	$148
Two comp claims	$877	$147
Failure to show documents	$883	$150
Cell phone violation	$902	$151
Driving with expired registration	$902	$153
Following too closely	$902	$151
Illegal turn	$902	$153
Texting while driving	$902	$151
Wrong way/wrong lane	$902	$153
Driving too slowly	$908	$152
Failure to yield	$908	$154
Speeding 11 - 15 MPH over limit	$908	$152
Speeding 6 - 10 MPH over limit	$908	$154
Failure to stop at a red light	$914	$153
Improper passing	$920	$156
Speeding 16 - 20 MPH over limit	$920	$154
In 65 MPH zone	$927	$158
Speeding in school zone	$927	$155
Speeding 21 - 25 MPH over limit	$939	$160
Open container	$1000	$166
At-fault accident - less than $1000	$1007	$172
Passing school bus	$1032	$172
Operating a vehicle without permission	$1044	$178
At-fault accident - $1000-$2000	$1106	$184
At-fault accident - greater than $2000	$1106	$188
Driving with a suspended license	$1211	$202
Reckless driving	$1217	$207
Refusal to submit to a chemical test	$1229	$205
DUI	$1267	$215
Racing	$1267	$211
Leaving scene of an accident/hit and run	$1297	$220

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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 Coolin 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 Coolin.

The cheapest car insurance premiums in Coolin are offered by American National P&C at $216 for a six-month policy. However, it can be as expensive as $1588 with companies like Nationwide.

Coolin car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$216	$36
Idaho Farm Bureau	$321	$53
Travelers	$661	$111
State Farm	$723	$122
American Family	$815	$137
USAA	$828	$139
Farmers	$945	$159
Allstate	$1341	$226
Farm Bureau	$1402	$238
Auto-Owners	$1526	$255
Nationwide	$1588	$270

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 Coolin are offered by AutoOwners Insurance Co at $155. However, it can be as expensive as $1198 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Coolin after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$155	$26
Idaho Farm Bureau	$155	$26
American National P&C	$160	$27
State Farm	$248	$42
USAA	$482	$80
American Family	$506	$85
Farm Bureau	$636	$106
Auto-Owners	$679	$115
Travelers	$859	$144
Farmers	$865	$146
Allstate	$1198	$200

Car Insurance Price Trends in Coolin, Idaho

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

The average cost of full coverage in the Coolin rose by $138 in December compared to $137 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 Coolin remained steady at $34 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 Coolin?

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

What is the cheapest car insurance in Coolin?

The cheapest car insurance in Coolin is $54 per month for full coverage.

How much is car insurance in Coolin for teenagers?

Car insurance for teenagers costs $155 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 Coolin?

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 Coolin.

Is car insurance expensive in Coolin?

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

What is the best car insurance in Coolin, ID?

The best car insurance company in Coolin ID is American National P&C, offering $315 for a six-month policy.