Cheapest Car Insurance Quotes in Garden Valley

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Garden Valley 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 Garden Valley

The car insurance rate in Garden Valley is $512 for a six-month policy, which is $16 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $294, making it a popular choice for budget-conscious drivers. Rates in Garden Valley 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 Garden Valley

$512

Avg. Car Insurance in Idaho

$528

National Average

$1140

Cheapest Car Insurance Companies in Garden Valley

1st place: American National P&C

At $294 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 $317 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 $345 for six months, making it the third cheapest auto insurance company in Garden Valley.

Garden Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Garden Valley, ID is American National P&C, offering policies at just $294 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $317.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $986 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Garden Valley drivers find the best deals.

Cheap Car Insurance Companies in Garden Valley, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$294	$50
Auto-Owners Insurance Co	$317	$52
Idaho Farm Bureau	$345	$59
USAA	$386	$65
Travelers	$404	$69
State Farm	$433	$73
American Family	$467	$79
American National	$513	$85
Mutual of Enumclaw	$525	$89
Farmers	$576	$97
Auto-Owners	$645	$110
Nationwide	$772	$129
Allstate	$986	$168

Key Takeaways

Way's key takeaways about car insurance in Garden Valley

The auto insurance costs in Garden Valley fall around $294 for six months.
The cheapest auto insurance company in Garden Valley is USAA.
Teen drivers pay the highest rate in Garden Valley at $510 per month.

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Cheapest Minimum Liability Car Insurance in Garden Valley

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 Garden Valley are given below.

USAA provides the cheapest minimum car insurance coverage in Garden Valley. Their Average 6 Month Premium is $110. Nationwide is the most expensive at $345 for the same period.

Cheapest Liability Coverage in Garden Valley, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$110	$18
American National	$121	$20
American National P&C	$121	$20
Idaho Farm Bureau	$139	$23
State Farm	$139	$23
Auto-Owners Insurance Co	$145	$24
Mutual of Enumclaw	$173	$29
Auto-Owners	$196	$33
American Family	$202	$34
Farm Bureau	$202	$34
Travelers	$225	$38
Farmers	$237	$40
Allstate	$345	$58
Nationwide	$345	$59

Cheapest Full Coverage Car Insurance in Garden Valley

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 Garden Valley is American National P&C at $50 per month and $294 for six months.

Cheapest Full Coverage Car Insurance Quotes in Garden Valley, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$294	$50
Auto-Owners Insurance Co	$317	$52
Idaho Farm Bureau	$345	$59
USAA	$386	$65
Travelers	$404	$69
State Farm	$433	$73
American Family	$467	$79
American National	$513	$85
Mutual of Enumclaw	$525	$89
Farmers	$576	$97
Auto-Owners	$645	$110
Nationwide	$772	$129
Allstate	$986	$168

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Average Car Insurance in Garden Valley 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 Garden Valley, ID increasing?

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

Car Insurance Premiums by Age in Garden Valley

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 Garden Valley,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 Garden Valley at $24 per month. At $3030 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	$145	$24
Auto-Owners Insurance Co	$196	$33
Idaho Farm Bureau	$208	$35
Travelers	$1031	$174
State Farm	$1158	$195
Farm Bureau	$1302	$217
USAA	$1533	$258
Auto-Owners	$1654	$275
American Family	$1844	$310
Nationwide	$2207	$368
Farmers	$2472	$416
Allstate	$3030	$510

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 Garden Valley, Idaho Farm Bureau is the cheapest car insurance provider. At $213 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 Garden Valley is Allstate, offering rates of around $1406 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$213	$36
State Farm	$484	$81
American Family	$628	$106
Travelers	$651	$110
USAA	$795	$133
Farm Bureau	$899	$153
Farmers	$933	$157
Auto-Owners	$974	$166
Allstate	$1406	$235

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Car Insurance Rates with An Accident in Garden Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Garden Valley

The cheapest car insurance companies after an at-fault accident in Garden Valley include American National and AutoOwners Insurance Co, offering $155 and $167, respectively. Allstate is an expensive provider with an average six-month premium of $1504.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$155	$26
Auto-Owners Insurance Co	$167	$28
American National P&C	$178	$30
Idaho Farm Bureau	$178	$30
State Farm	$374	$63
USAA	$398	$67
Auto-Owners	$605	$102
Farm Bureau	$778	$132
American Family	$795	$134
Travelers	$888	$151
Nationwide	$1147	$191
Farmers	$1256	$211
Allstate	$1504	$253

Garden Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Garden Valley ID. For example, the car insurance in Garden Valley after a DUI increases to $478 for a six month policy. While the rate increases by $144 for a six-month policy in the case of a speeding ticket.

Garden Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$703	$117
One Med/PIP claim	$709	$120
Not-at-fault accident	$726	$121
One comp claim	$749	$127
Failure to wear a seat belt	$760	$127
Two Med/PIP claims	$760	$129
Child safety restraint	$813	$136
Driving without lights	$813	$138
Two comp claims	$818	$137
Failure to show documents	$824	$140
Cell phone violation	$841	$141
Driving with expired registration	$841	$143
Following too closely	$841	$141
Illegal turn	$841	$143
Texting while driving	$841	$141
Wrong way/wrong lane	$841	$143
Driving too slowly	$847	$142
Failure to yield	$847	$144
Speeding 11 - 15 MPH over limit	$847	$142
Speeding 6 - 10 MPH over limit	$847	$144
Failure to stop at a red light	$853	$143
Improper passing	$858	$146
Speeding 16 - 20 MPH over limit	$858	$144
In 65 MPH zone	$864	$147
Speeding in school zone	$864	$145
Speeding 21 - 25 MPH over limit	$876	$149
Open container	$933	$155
At-fault accident - less than $1000	$939	$160
Passing school bus	$962	$160
Operating a vehicle without permission	$974	$166
At-fault accident - $1000-$2000	$1031	$172
At-fault accident - greater than $2000	$1031	$176
Driving with a suspended license	$1129	$188
Reckless driving	$1135	$193
Refusal to submit to a chemical test	$1147	$191
DUI	$1181	$201
Racing	$1181	$197
Leaving scene of an accident/hit and run	$1210	$206

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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 Garden Valley 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 Garden Valley.

The cheapest car insurance premiums in Garden Valley are offered by American National P&C at $202 for a six-month policy. However, it can be as expensive as $1481 with companies like Nationwide.

Garden Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$202	$34
Idaho Farm Bureau	$300	$49
Travelers	$617	$104
State Farm	$674	$113
American Family	$760	$128
USAA	$772	$130
Farmers	$882	$148
Allstate	$1250	$210
Farm Bureau	$1308	$222
Auto-Owners	$1423	$238
Nationwide	$1481	$252

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 Garden Valley are offered by AutoOwners Insurance Co at $145. However, it can be as expensive as $1117 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Garden Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$145	$24
Idaho Farm Bureau	$145	$24
American National P&C	$149	$25
State Farm	$231	$39
USAA	$449	$75
American Family	$472	$80
Farm Bureau	$594	$99
Auto-Owners	$633	$108
Travelers	$801	$134
Farmers	$807	$136
Allstate	$1117	$186

Car Insurance Price Trends in Garden Valley, Idaho

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

The average cost of full coverage in the Garden Valley rose by $129 in December compared to $128 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 Garden Valley 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 Garden Valley?

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

What is the cheapest car insurance in Garden Valley?

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

How much is car insurance in Garden Valley for teenagers?

Car insurance for teenagers costs $145 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 Garden Valley?

The average cost of car insurance is $528 for a six-month policy. It will cost around $86 per month to insure your car in Garden Valley.

Is car insurance expensive in Garden Valley?

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

What is the best car insurance in Garden Valley, ID?

The best car insurance company in Garden Valley ID is American National P&C, offering $294 for a six-month policy.