Cheapest Car Insurance Quotes in Fruitland

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Fruitland Car Insurance

^$ 17

/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 Fruitland

The car insurance rate in Fruitland is $486 for a six-month policy, which is $42 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $279, making it a popular choice for budget-conscious drivers. Rates in Fruitland 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 Fruitland

$486

Avg. Car Insurance in Idaho

$528

National Average

$1140

Cheapest Car Insurance Companies in Fruitland

1st place: American National P&C

At $279 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 $301 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 $328 for six months, making it the third cheapest auto insurance company in Fruitland.

Fruitland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fruitland, ID is American National P&C, offering policies at just $279 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $301.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $935 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fruitland drivers find the best deals.

Cheap Car Insurance Companies in Fruitland, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$279	$48
Auto-Owners Insurance Co	$301	$50
Idaho Farm Bureau	$328	$56
USAA	$366	$62
Travelers	$383	$65
State Farm	$410	$69
American Family	$443	$75
American National	$487	$81
Mutual of Enumclaw	$498	$85
Farmers	$546	$92
Auto-Owners	$612	$104
Nationwide	$732	$122
Allstate	$935	$159

Key Takeaways

Way's key takeaways about car insurance in Fruitland

The auto insurance costs in Fruitland fall around $279 for six months.
The cheapest auto insurance company in Fruitland is USAA.
Teen drivers pay the highest rate in Fruitland at $484 per month.

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Cheapest Minimum Liability Car Insurance in Fruitland

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 Fruitland are given below.

USAA provides the cheapest minimum car insurance coverage in Fruitland. Their Average 6 Month Premium is $104. Nationwide is the most expensive at $328 for the same period.

Cheapest Liability Coverage in Fruitland, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$104	$17
American National	$115	$19
American National P&C	$115	$19
Idaho Farm Bureau	$132	$22
State Farm	$132	$22
Auto-Owners Insurance Co	$137	$23
Mutual of Enumclaw	$164	$28
Auto-Owners	$186	$31
American Family	$191	$32
Farm Bureau	$191	$32
Travelers	$213	$36
Farmers	$224	$38
Allstate	$328	$55
Nationwide	$328	$56

Cheapest Full Coverage Car Insurance in Fruitland

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 Fruitland is American National P&C at $48 per month and $279 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fruitland, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$279	$48
Auto-Owners Insurance Co	$301	$50
Idaho Farm Bureau	$328	$56
USAA	$366	$62
Travelers	$383	$65
State Farm	$410	$69
American Family	$443	$75
American National	$487	$81
Mutual of Enumclaw	$498	$85
Farmers	$546	$92
Auto-Owners	$612	$104
Nationwide	$732	$122
Allstate	$935	$159

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Average Car Insurance in Fruitland 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 Fruitland, ID increasing?

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

Car Insurance Premiums by Age in Fruitland

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 Fruitland,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 Fruitland at $23 per month. At $2874 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	$137	$23
Auto-Owners Insurance Co	$186	$31
Idaho Farm Bureau	$197	$33
Travelers	$978	$165
State Farm	$1098	$185
Farm Bureau	$1235	$206
USAA	$1454	$245
Auto-Owners	$1569	$261
American Family	$1749	$294
Nationwide	$2093	$349
Farmers	$2344	$395
Allstate	$2874	$484

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 Fruitland, Idaho Farm Bureau is the cheapest car insurance provider. At $202 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 Fruitland is Allstate, offering rates of around $1333 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$202	$34
State Farm	$459	$77
American Family	$595	$100
Travelers	$617	$104
USAA	$754	$126
Farm Bureau	$853	$145
Farmers	$885	$149
Auto-Owners	$924	$157
Allstate	$1333	$223

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Car Insurance Rates with An Accident in Fruitland

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

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

The cheapest car insurance companies after an at-fault accident in Fruitland include American National and AutoOwners Insurance Co, offering $147 and $158, respectively. Allstate is an expensive provider with an average six-month premium of $1426.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$147	$25
Auto-Owners Insurance Co	$158	$27
American National P&C	$169	$29
Idaho Farm Bureau	$169	$29
State Farm	$355	$60
USAA	$377	$63
Auto-Owners	$574	$97
Farm Bureau	$738	$125
American Family	$754	$127
Travelers	$842	$144
Nationwide	$1087	$181
Farmers	$1191	$201
Allstate	$1426	$240

Fruitland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fruitland ID. For example, the car insurance in Fruitland after a DUI increases to $454 for a six month policy. While the rate increases by $136 for a six-month policy in the case of a speeding ticket.

Fruitland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$667	$111
One Med/PIP claim	$673	$114
Not-at-fault accident	$688	$115
One comp claim	$710	$121
Failure to wear a seat belt	$721	$121
Two Med/PIP claims	$721	$122
Child safety restraint	$771	$129
Driving without lights	$771	$131
Two comp claims	$776	$130
Failure to show documents	$781	$132
Cell phone violation	$798	$133
Driving with expired registration	$798	$135
Following too closely	$798	$133
Illegal turn	$798	$135
Texting while driving	$798	$133
Wrong way/wrong lane	$798	$135
Driving too slowly	$803	$134
Failure to yield	$803	$136
Speeding 11 - 15 MPH over limit	$803	$134
Speeding 6 - 10 MPH over limit	$803	$136
Failure to stop at a red light	$809	$135
Improper passing	$814	$138
Speeding 16 - 20 MPH over limit	$814	$136
In 65 MPH zone	$820	$140
Speeding in school zone	$820	$137
Speeding 21 - 25 MPH over limit	$831	$142
Open container	$885	$147
At-fault accident - less than $1000	$891	$152
Passing school bus	$913	$152
Operating a vehicle without permission	$924	$157
At-fault accident - $1000-$2000	$978	$163
At-fault accident - greater than $2000	$978	$167
Driving with a suspended license	$1071	$178
Reckless driving	$1076	$183
Refusal to submit to a chemical test	$1087	$181
DUI	$1121	$190
Racing	$1121	$187
Leaving scene of an accident/hit and run	$1147	$195

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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 Fruitland 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 Fruitland.

The cheapest car insurance premiums in Fruitland are offered by American National P&C at $191 for a six-month policy. However, it can be as expensive as $1405 with companies like Nationwide.

Fruitland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$191	$32
Idaho Farm Bureau	$284	$47
Travelers	$585	$98
State Farm	$639	$108
American Family	$721	$121
USAA	$732	$123
Farmers	$836	$141
Allstate	$1186	$200
Farm Bureau	$1240	$211
Auto-Owners	$1350	$225
Nationwide	$1405	$239

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 Fruitland are offered by AutoOwners Insurance Co at $137. However, it can be as expensive as $1060 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fruitland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$137	$23
Idaho Farm Bureau	$137	$23
American National P&C	$142	$24
State Farm	$219	$37
USAA	$426	$71
American Family	$448	$75
Farm Bureau	$563	$94
Auto-Owners	$601	$102
Travelers	$760	$127
Farmers	$765	$129
Allstate	$1060	$177

Car Insurance Price Trends in Fruitland, Idaho

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

The average cost of full coverage in the Fruitland rose by $122 in December compared to $121 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 Fruitland remained steady at $30 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 Fruitland?

The car insurance in Fruitland is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Fruitland?

The cheapest car insurance in Fruitland is $48 per month for full coverage.

How much is car insurance in Fruitland for teenagers?

Car insurance for teenagers costs $137 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 Fruitland?

The average cost of car insurance is $528 for a six-month policy. It will cost around $82 per month to insure your car in Fruitland.

Is car insurance expensive in Fruitland?

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

What is the best car insurance in Fruitland, ID?

The best car insurance company in Fruitland ID is American National P&C, offering $279 for a six-month policy.