Cheapest Car Insurance Quotes in Groveland

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Groveland Car Insurance

^$ 21

/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 Groveland

The car insurance rate in Groveland is $570 for a six-month policy, which is $42 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $327, making it a popular choice for budget-conscious drivers. Rates in Groveland 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 Groveland

$570

Avg. Car Insurance in Idaho

$528

National Average

$1278

Cheapest Car Insurance Companies in Groveland

1st place: American National P&C

At $327 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 $353 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 $384 for six months, making it the third cheapest auto insurance company in Groveland.

Groveland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Groveland, ID is American National P&C, offering policies at just $327 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $353.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1097 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Groveland drivers find the best deals.

Cheap Car Insurance Companies in Groveland, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$327	$54
Auto-Owners Insurance Co	$353	$60
Idaho Farm Bureau	$384	$64
USAA	$430	$72
Travelers	$449	$75
State Farm	$482	$81
American Family	$519	$87
American National	$571	$97
Mutual of Enumclaw	$584	$97
Farmers	$642	$108
Auto-Owners	$718	$120
Nationwide	$860	$146
Allstate	$1097	$183

Key Takeaways

Way's key takeaways about car insurance in Groveland

The auto insurance costs in Groveland fall around $327 for six months.
The cheapest auto insurance company in Groveland is USAA.
Teen drivers pay the highest rate in Groveland at $600 per month.

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Cheapest Minimum Liability Car Insurance in Groveland

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 Groveland are given below.

USAA provides the cheapest minimum car insurance coverage in Groveland. Their Average 6 Month Premium is $122. Farm Bureau is the most expensive at $225 for the same period.

Cheapest Liability Coverage in Groveland, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$122	$21
American National	$135	$23
American National P&C	$135	$23
Idaho Farm Bureau	$154	$26
Auto-Owners Insurance Co	$161	$27
State Farm	$166	$28
Auto-Owners	$192	$32
Mutual of Enumclaw	$192	$32
Travelers	$218	$37
American Family	$225	$38
Farmers	$225	$38
Allstate	$334	$55
Nationwide	$384	$66
Farm Bureau	$225	$38

Cheapest Full Coverage Car Insurance in Groveland

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 Groveland is American National P&C at $54 per month and $327 for six months.

Cheapest Full Coverage Car Insurance Quotes in Groveland, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$327	$54
Auto-Owners Insurance Co	$353	$60
Idaho Farm Bureau	$384	$64
USAA	$430	$72
Travelers	$449	$75
State Farm	$482	$81
American Family	$519	$87
American National	$571	$97
Mutual of Enumclaw	$584	$97
Farmers	$642	$108
Auto-Owners	$718	$120
Nationwide	$860	$146
Allstate	$1097	$183

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Average Car Insurance in Groveland 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 Groveland, ID increasing?

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

Car Insurance Premiums by Age in Groveland

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 Groveland,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 Groveland at $27 per month. At $3567 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	$161	$27
Auto-Owners Insurance Co	$218	$37
Idaho Farm Bureau	$231	$39
Travelers	$1425	$240
State Farm	$1488	$251
USAA	$1726	$294
Farm Bureau	$1777	$296
Auto-Owners	$2053	$349
Farmers	$2073	$349
American Family	$2188	$368
Nationwide	$2457	$409
Mutual of Enumclaw	$2618	$445
Sentry	$2854	$476
Allstate	$3567	$600

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 Groveland, Idaho Farm Bureau is the cheapest car insurance provider. At $238 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 Groveland is USAA, offering rates of around $886 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$238	$40
Farmers	$295	$50
State Farm	$731	$123
American Family	$757	$127
Travelers	$840	$141
Farm Bureau	$1231	$210
Auto-Owners	$1328	$221
Allstate	$1719	$293
Mutual of Enumclaw	$1732	$288
Sentry	$1950	$332
USAA	$886	$148

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Car Insurance Rates with An Accident in Groveland

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

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

The cheapest car insurance companies after an at-fault accident in Groveland include American National and AutoOwners Insurance Co, offering $173 and $186, respectively. Sentry is an expensive provider with an average six-month premium of $2586.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$173	$29
Auto-Owners Insurance Co	$186	$31
American National P&C	$199	$33
Idaho Farm Bureau	$199	$33
USAA	$384	$65
State Farm	$469	$79
Auto-Owners	$783	$132
American Family	$930	$157
Farm Bureau	$1058	$176
Travelers	$1219	$207
Farmers	$1226	$204
Nationwide	$1277	$217
Allstate	$1765	$297
Mutual of Enumclaw	$1970	$335
Sentry	$2586	$431

Groveland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Groveland ID. For example, the car insurance in Groveland after a DUI increases to $532 for a six month policy. While the rate increases by $160 for a six-month policy in the case of a speeding ticket.

Groveland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$783	$131
One Med/PIP claim	$789	$134
Not-at-fault accident	$808	$135
One comp claim	$834	$141
Failure to wear a seat belt	$847	$141
Two Med/PIP claims	$847	$144
Child safety restraint	$905	$151
Driving without lights	$905	$153
Two comp claims	$910	$152
Failure to show documents	$917	$156
Cell phone violation	$936	$157
Driving with expired registration	$936	$159
Following too closely	$936	$157
Illegal turn	$936	$159
Texting while driving	$936	$157
Wrong way/wrong lane	$936	$159
Driving too slowly	$943	$158
Failure to yield	$943	$160
Speeding 11 - 15 MPH over limit	$943	$158
Speeding 6 - 10 MPH over limit	$943	$160
Failure to stop at a red light	$949	$159
Improper passing	$956	$162
Speeding 16 - 20 MPH over limit	$956	$160
In 65 MPH zone	$962	$164
Speeding in school zone	$962	$161
Speeding 21 - 25 MPH over limit	$975	$166
Open container	$1039	$173
At-fault accident - less than $1000	$1045	$178
Passing school bus	$1071	$178
Operating a vehicle without permission	$1084	$185
At-fault accident - $1000-$2000	$1148	$191
At-fault accident - greater than $2000	$1148	$195
Driving with a suspended license	$1257	$210
Reckless driving	$1264	$215
Refusal to submit to a chemical test	$1277	$213
DUI	$1315	$224
Racing	$1315	$219
Leaving scene of an accident/hit and run	$1347	$229

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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 Groveland 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 Groveland.

The cheapest car insurance premiums in Groveland are offered by American National P&C at $225 for a six-month policy. However, it can be as expensive as $2130 with companies like Mutual of Enumclaw.

Groveland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$225	$38
Idaho Farm Bureau	$334	$55
Farmers	$725	$122
Travelers	$802	$135
USAA	$879	$149
American Family	$899	$151
State Farm	$975	$164
Allstate	$1462	$246
Nationwide	$1649	$281
Farm Bureau	$1783	$297
Auto-Owners	$1912	$325
Sentry	$1957	$326
Mutual of Enumclaw	$2130	$362

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 Groveland are offered by AutoOwners Insurance Co at $161. However, it can be as expensive as $500 with companies like USAA for a similar six-month premium.

Cheapest Car Insurance in Groveland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$161	$27
Idaho Farm Bureau	$161	$27
American National P&C	$166	$28
Farmers	$251	$42
State Farm	$366	$62
American Family	$565	$95
Farm Bureau	$808	$135
Auto-Owners	$866	$147
Travelers	$1097	$183
Allstate	$1366	$232
Mutual of Enumclaw	$1636	$272
Sentry	$2400	$408
USAA	$500	$83

Car Insurance Price Trends in Groveland, Idaho

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

The average cost of full coverage in the Groveland rose by $161 in January compared to $144 of December. In other words, there has been an increase by $17 when you compare January and December.

The average cost of liability insurance in the Groveland dipped to $32 in January, compared to $36 in December. This represents an decrease of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Groveland?

The car insurance in Groveland is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Groveland?

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

How much is car insurance in Groveland for teenagers?

Car insurance for teenagers costs $161 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 Groveland?

The average cost of car insurance is $528 for a six-month policy. It will cost around $95 per month to insure your car in Groveland.

Is car insurance expensive in Groveland?

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

What is the best car insurance in Groveland, ID?

The best car insurance company in Groveland ID is American National P&C, offering $327 for a six-month policy.