Cheapest Car Insurance Quotes in Fernwood

Finding the cheapest car insurance quotes in Fernwood 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Fernwood 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 Fernwood

The car insurance rate in Fernwood 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 Fernwood 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 Fernwood

$554

Avg. Car Insurance in Idaho

$528

National Average

$1140

Cheapest Car Insurance Companies in Fernwood

1st place: American National P&C

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 Fernwood.

Fernwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fernwood, 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 Fernwood drivers find the best deals.

Cheap Car Insurance Companies in Fernwood, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$318	$55
Auto-Owners Insurance Co	$343	$57
Idaho Farm Bureau	$374	$64
USAA	$418	$70
Travelers	$437	$75
State Farm	$468	$79
American Family	$505	$85
American National	$555	$92
Mutual of Enumclaw	$568	$97
Farmers	$624	$105
Auto-Owners	$698	$119
Nationwide	$836	$140
Allstate	$1067	$182

Key Takeaways

Way's key takeaways about car insurance in Fernwood

The auto insurance costs in Fernwood fall around $318 for six months.
The cheapest auto insurance company in Fernwood is USAA.
Teen drivers pay the highest rate in Fernwood 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 Fernwood

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 Fernwood are given below.

USAA provides the cheapest minimum car insurance coverage in Fernwood. Their Average 6 Month Premium is $119. Nationwide is the most expensive at $374 for the same period.

Cheapest Liability Coverage in Fernwood, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$119	$20
American National	$131	$22
American National P&C	$131	$22
Idaho Farm Bureau	$150	$25
State Farm	$150	$25
Auto-Owners Insurance Co	$156	$26
Mutual of Enumclaw	$187	$32
Auto-Owners	$212	$36
American Family	$218	$37
Farm Bureau	$218	$37
Travelers	$244	$41
Farmers	$256	$43
Allstate	$374	$63
Nationwide	$374	$64

Cheapest Full Coverage Car Insurance in Fernwood

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 Fernwood is American National P&C at $55 per month and $318 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fernwood, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$318	$55
Auto-Owners Insurance Co	$343	$57
Idaho Farm Bureau	$374	$64
USAA	$418	$70
Travelers	$437	$75
State Farm	$468	$79
American Family	$505	$85
American National	$555	$92
Mutual of Enumclaw	$568	$97
Farmers	$624	$105
Auto-Owners	$698	$119
Nationwide	$836	$140
Allstate	$1067	$182

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Fernwood Instantly!

Average Car Insurance in Fernwood 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 Fernwood, ID increasing?

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

Car Insurance Premiums by Age in Fernwood

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Fernwood,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 Fernwood at $26 per month. At $3280 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	$156	$26
Auto-Owners Insurance Co	$212	$36
Idaho Farm Bureau	$225	$38
Travelers	$1116	$188
State Farm	$1254	$211
Farm Bureau	$1409	$235
USAA	$1659	$279
Auto-Owners	$1790	$298
American Family	$1996	$336
Nationwide	$2389	$398
Farmers	$2675	$450
Allstate	$3280	$552

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 Fernwood, 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 Fernwood is Allstate, offering rates of around $1521 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$231	$39
State Farm	$524	$88
American Family	$679	$114
Travelers	$705	$119
USAA	$861	$144
Farm Bureau	$973	$166
Farmers	$1010	$170
Auto-Owners	$1054	$180
Allstate	$1521	$254

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Fernwood.

Car Insurance Rates with An Accident in Fernwood

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

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

The cheapest car insurance companies after an at-fault accident in Fernwood 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.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$168	$28
Auto-Owners Insurance Co	$181	$30
American National P&C	$193	$33
Idaho Farm Bureau	$193	$33
State Farm	$405	$68
USAA	$431	$72
Auto-Owners	$655	$110
Farm Bureau	$842	$143
American Family	$861	$145
Travelers	$961	$164
Nationwide	$1241	$207
Farmers	$1360	$229
Allstate	$1628	$274

Fernwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fernwood ID. For example, the car insurance in Fernwood 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.

Fernwood 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

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Fernwood 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 Fernwood.

The cheapest car insurance premiums in Fernwood 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.

Fernwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$218	$37
Idaho Farm Bureau	$324	$54
Travelers	$668	$112
State Farm	$730	$123
American Family	$823	$139
USAA	$836	$141
Farmers	$954	$161
Allstate	$1353	$228
Farm Bureau	$1415	$240
Auto-Owners	$1540	$257
Nationwide	$1603	$273

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 Fernwood 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 Fernwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$156	$26
Idaho Farm Bureau	$156	$26
American National P&C	$162	$27
State Farm	$250	$42
USAA	$486	$81
American Family	$511	$86
Farm Bureau	$643	$107
Auto-Owners	$686	$117
Travelers	$867	$145
Farmers	$874	$147
Allstate	$1210	$202

Car Insurance Price Trends in Fernwood, Idaho

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

The average cost of full coverage in the Fernwood 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 Fernwood remained steady at $35 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Fernwood?

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

What is the cheapest car insurance in Fernwood?

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

How much is car insurance in Fernwood 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 Fernwood?

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 Fernwood.

Is car insurance expensive in Fernwood?

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

What is the best car insurance in Fernwood, ID?

The best car insurance company in Fernwood ID is American National P&C, offering $318 for a six-month policy.