Cheapest Car Insurance Quotes in Dalton Gardens

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Dalton Gardens Car Insurance

^$ 19

/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 Dalton Gardens

The car insurance rate in Dalton Gardens is $528 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $303, making it a popular choice for budget-conscious drivers. Rates in Dalton Gardens 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 Dalton Gardens

$528

Avg. Car Insurance in Idaho

$528

National Average

$1140

Cheapest Car Insurance Companies in Dalton Gardens

1st place: American National P&C

At $303 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 $327 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 $356 for six months, making it the third cheapest auto insurance company in Dalton Gardens.

Dalton Gardens Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dalton Gardens, ID is American National P&C, offering policies at just $303 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $327.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1016 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dalton Gardens drivers find the best deals.

Cheap Car Insurance Companies in Dalton Gardens, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$303	$52
Auto-Owners Insurance Co	$327	$54
Idaho Farm Bureau	$356	$61
USAA	$398	$67
Travelers	$416	$71
State Farm	$446	$75
American Family	$481	$81
American National	$529	$88
Mutual of Enumclaw	$541	$92
Farmers	$594	$100
Auto-Owners	$665	$113
Nationwide	$796	$133
Allstate	$1016	$173

Key Takeaways

Way's key takeaways about car insurance in Dalton Gardens

The auto insurance costs in Dalton Gardens fall around $303 for six months.
The cheapest auto insurance company in Dalton Gardens is USAA.
Teen drivers pay the highest rate in Dalton Gardens at $526 per month.

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Cheapest Minimum Liability Car Insurance in Dalton Gardens

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 Dalton Gardens are given below.

USAA provides the cheapest minimum car insurance coverage in Dalton Gardens. Their Average 6 Month Premium is $113. Nationwide is the most expensive at $356 for the same period.

Cheapest Liability Coverage in Dalton Gardens, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$113	$19
American National	$125	$21
American National P&C	$125	$21
Idaho Farm Bureau	$143	$24
State Farm	$143	$24
Auto-Owners Insurance Co	$149	$25
Mutual of Enumclaw	$178	$30
Auto-Owners	$202	$34
American Family	$208	$35
Farm Bureau	$208	$35
Travelers	$232	$39
Farmers	$244	$41
Allstate	$356	$60
Nationwide	$356	$61

Cheapest Full Coverage Car Insurance in Dalton Gardens

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 Dalton Gardens is American National P&C at $52 per month and $303 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dalton Gardens, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$303	$52
Auto-Owners Insurance Co	$327	$54
Idaho Farm Bureau	$356	$61
USAA	$398	$67
Travelers	$416	$71
State Farm	$446	$75
American Family	$481	$81
American National	$529	$88
Mutual of Enumclaw	$541	$92
Farmers	$594	$100
Auto-Owners	$665	$113
Nationwide	$796	$133
Allstate	$1016	$173

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Average Car Insurance in Dalton Gardens 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 Dalton Gardens, ID increasing?

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

Car Insurance Premiums by Age in Dalton Gardens

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 Dalton Gardens,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 Dalton Gardens at $25 per month. At $3124 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	$149	$25
Auto-Owners Insurance Co	$202	$34
Idaho Farm Bureau	$214	$36
Travelers	$1063	$179
State Farm	$1194	$201
Farm Bureau	$1342	$224
USAA	$1580	$266
Auto-Owners	$1705	$284
American Family	$1901	$320
Nationwide	$2275	$379
Farmers	$2548	$429
Allstate	$3124	$526

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 Dalton Gardens, Idaho Farm Bureau is the cheapest car insurance provider. At $220 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 Dalton Gardens is Allstate, offering rates of around $1449 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$220	$37
State Farm	$499	$84
American Family	$647	$109
Travelers	$671	$113
USAA	$820	$137
Farm Bureau	$927	$158
Farmers	$962	$162
Auto-Owners	$1004	$171
Allstate	$1449	$242

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Car Insurance Rates with An Accident in Dalton Gardens

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

Cheapest Car Insurance Companies after an At-Fault Accident in Dalton Gardens

The cheapest car insurance companies after an at-fault accident in Dalton Gardens include American National and AutoOwners Insurance Co, offering $160 and $172, respectively. Allstate is an expensive provider with an average six-month premium of $1550.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$160	$27
Auto-Owners Insurance Co	$172	$29
American National P&C	$184	$31
Idaho Farm Bureau	$184	$31
State Farm	$386	$65
USAA	$410	$69
Auto-Owners	$624	$105
Farm Bureau	$802	$136
American Family	$820	$138
Travelers	$915	$156
Nationwide	$1182	$197
Farmers	$1295	$218
Allstate	$1550	$261

Dalton Gardens Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dalton Gardens ID. For example, the car insurance in Dalton Gardens after a DUI increases to $493 for a six month policy. While the rate increases by $148 for a six-month policy in the case of a speeding ticket.

Dalton Gardens auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$725	$121
One Med/PIP claim	$731	$124
Not-at-fault accident	$748	$125
One comp claim	$772	$131
Failure to wear a seat belt	$784	$131
Two Med/PIP claims	$784	$133
Child safety restraint	$838	$140
Driving without lights	$838	$142
Two comp claims	$843	$141
Failure to show documents	$849	$144
Cell phone violation	$867	$145
Driving with expired registration	$867	$147
Following too closely	$867	$145
Illegal turn	$867	$147
Texting while driving	$867	$145
Wrong way/wrong lane	$867	$147
Driving too slowly	$873	$146
Failure to yield	$873	$148
Speeding 11 - 15 MPH over limit	$873	$146
Speeding 6 - 10 MPH over limit	$873	$148
Failure to stop at a red light	$879	$147
Improper passing	$885	$150
Speeding 16 - 20 MPH over limit	$885	$148
In 65 MPH zone	$891	$152
Speeding in school zone	$891	$149
Speeding 21 - 25 MPH over limit	$903	$154
Open container	$962	$160
At-fault accident - less than $1000	$968	$165
Passing school bus	$992	$165
Operating a vehicle without permission	$1004	$171
At-fault accident - $1000-$2000	$1063	$177
At-fault accident - greater than $2000	$1063	$181
Driving with a suspended license	$1164	$194
Reckless driving	$1170	$199
Refusal to submit to a chemical test	$1182	$197
DUI	$1218	$207
Racing	$1218	$203
Leaving scene of an accident/hit and run	$1247	$212

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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 Dalton Gardens 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 Dalton Gardens.

The cheapest car insurance premiums in Dalton Gardens are offered by American National P&C at $208 for a six-month policy. However, it can be as expensive as $1527 with companies like Nationwide.

Dalton Gardens car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$208	$35
Idaho Farm Bureau	$309	$51
Travelers	$636	$107
State Farm	$695	$117
American Family	$784	$132
USAA	$796	$134
Farmers	$909	$153
Allstate	$1289	$217
Farm Bureau	$1348	$229
Auto-Owners	$1467	$245
Nationwide	$1527	$260

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 Dalton Gardens are offered by AutoOwners Insurance Co at $149. However, it can be as expensive as $1152 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Dalton Gardens after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$149	$25
Idaho Farm Bureau	$149	$25
American National P&C	$154	$26
State Farm	$238	$40
USAA	$463	$77
American Family	$487	$82
Farm Bureau	$612	$102
Auto-Owners	$653	$111
Travelers	$826	$138
Farmers	$832	$140
Allstate	$1152	$192

Car Insurance Price Trends in Dalton Gardens, Idaho

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

The average cost of full coverage in the Dalton Gardens rose by $133 in December compared to $132 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 Dalton Gardens remained steady at $33 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 Dalton Gardens?

The car insurance in Dalton Gardens is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Dalton Gardens?

The cheapest car insurance in Dalton Gardens is $52 per month for full coverage.

How much is car insurance in Dalton Gardens for teenagers?

Car insurance for teenagers costs $149 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 Dalton Gardens?

The average cost of car insurance is $528 for a six-month policy. It will cost around $89 per month to insure your car in Dalton Gardens.

Is car insurance expensive in Dalton Gardens?

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

What is the best car insurance in Dalton Gardens, ID?

The best car insurance company in Dalton Gardens ID is American National P&C, offering $303 for a six-month policy.