Cheapest Car Insurance Quotes in Hagerman

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Hagerman 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 Hagerman

The car insurance rate in Hagerman is $496 for a six-month policy, which is $32 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $285, making it a popular choice for budget-conscious drivers. Rates in Hagerman 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 Hagerman

$496

Avg. Car Insurance in Idaho

$528

National Average

$1140

Cheapest Car Insurance Companies in Hagerman

1st place: American National P&C

At $285 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 $307 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 $335 for six months, making it the third cheapest auto insurance company in Hagerman.

Hagerman Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hagerman, ID is American National P&C, offering policies at just $285 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $307.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $955 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hagerman drivers find the best deals.

Cheap Car Insurance Companies in Hagerman, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$285	$49
Auto-Owners Insurance Co	$307	$51
Idaho Farm Bureau	$335	$57
USAA	$374	$63
Travelers	$391	$67
State Farm	$419	$71
American Family	$452	$76
American National	$497	$83
Mutual of Enumclaw	$509	$86
Farmers	$558	$94
Auto-Owners	$625	$106
Nationwide	$748	$125
Allstate	$955	$163

Key Takeaways

Way's key takeaways about car insurance in Hagerman

The auto insurance costs in Hagerman fall around $285 for six months.
The cheapest auto insurance company in Hagerman is USAA.
Teen drivers pay the highest rate in Hagerman at $494 per month.

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Cheapest Minimum Liability Car Insurance in Hagerman

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 Hagerman are given below.

USAA provides the cheapest minimum car insurance coverage in Hagerman. Their Average 6 Month Premium is $106. Nationwide is the most expensive at $335 for the same period.

Cheapest Liability Coverage in Hagerman, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$106	$18
American National	$118	$20
American National P&C	$118	$20
Idaho Farm Bureau	$134	$23
State Farm	$134	$23
Auto-Owners Insurance Co	$140	$24
Mutual of Enumclaw	$167	$28
Auto-Owners	$190	$32
American Family	$196	$33
Farm Bureau	$196	$33
Travelers	$218	$37
Farmers	$229	$39
Allstate	$335	$56
Nationwide	$335	$57

Cheapest Full Coverage Car Insurance in Hagerman

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 Hagerman is American National P&C at $49 per month and $285 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hagerman, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$285	$49
Auto-Owners Insurance Co	$307	$51
Idaho Farm Bureau	$335	$57
USAA	$374	$63
Travelers	$391	$67
State Farm	$419	$71
American Family	$452	$76
American National	$497	$83
Mutual of Enumclaw	$509	$86
Farmers	$558	$94
Auto-Owners	$625	$106
Nationwide	$748	$125
Allstate	$955	$163

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Average Car Insurance in Hagerman 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 Hagerman, ID increasing?

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

Car Insurance Premiums by Age in Hagerman

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 Hagerman,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 Hagerman at $24 per month. At $2937 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	$140	$24
Auto-Owners Insurance Co	$190	$32
Idaho Farm Bureau	$201	$34
Travelers	$999	$168
State Farm	$1122	$189
Farm Bureau	$1261	$211
USAA	$1485	$250
Auto-Owners	$1603	$267
American Family	$1787	$301
Nationwide	$2139	$356
Farmers	$2395	$403
Allstate	$2937	$494

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 Hagerman, Idaho Farm Bureau is the cheapest car insurance provider. At $207 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 Hagerman is Allstate, offering rates of around $1362 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$207	$35
State Farm	$469	$79
American Family	$608	$102
Travelers	$631	$106
USAA	$771	$129
Farm Bureau	$871	$149
Farmers	$904	$152
Auto-Owners	$944	$161
Allstate	$1362	$227

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Car Insurance Rates with An Accident in Hagerman

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

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

The cheapest car insurance companies after an at-fault accident in Hagerman include American National and AutoOwners Insurance Co, offering $150 and $162, respectively. Allstate is an expensive provider with an average six-month premium of $1457.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$150	$25
Auto-Owners Insurance Co	$162	$27
American National P&C	$173	$29
Idaho Farm Bureau	$173	$29
State Farm	$363	$61
USAA	$385	$65
Auto-Owners	$587	$99
Farm Bureau	$754	$128
American Family	$771	$130
Travelers	$860	$147
Nationwide	$1111	$185
Farmers	$1217	$205
Allstate	$1457	$245

Hagerman Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hagerman ID. For example, the car insurance in Hagerman after a DUI increases to $463 for a six month policy. While the rate increases by $139 for a six-month policy in the case of a speeding ticket.

Hagerman auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$682	$114
One Med/PIP claim	$687	$117
Not-at-fault accident	$703	$118
One comp claim	$726	$123
Failure to wear a seat belt	$737	$123
Two Med/PIP claims	$737	$125
Child safety restraint	$788	$132
Driving without lights	$788	$133
Two comp claims	$792	$133
Failure to show documents	$798	$135
Cell phone violation	$815	$136
Driving with expired registration	$815	$138
Following too closely	$815	$136
Illegal turn	$815	$138
Texting while driving	$815	$136
Wrong way/wrong lane	$815	$138
Driving too slowly	$821	$137
Failure to yield	$821	$139
Speeding 11 - 15 MPH over limit	$821	$137
Speeding 6 - 10 MPH over limit	$821	$139
Failure to stop at a red light	$826	$138
Improper passing	$832	$141
Speeding 16 - 20 MPH over limit	$832	$139
In 65 MPH zone	$838	$143
Speeding in school zone	$838	$140
Speeding 21 - 25 MPH over limit	$849	$145
Open container	$904	$150
At-fault accident - less than $1000	$910	$155
Passing school bus	$932	$155
Operating a vehicle without permission	$944	$161
At-fault accident - $1000-$2000	$999	$166
At-fault accident - greater than $2000	$999	$170
Driving with a suspended license	$1094	$182
Reckless driving	$1100	$187
Refusal to submit to a chemical test	$1111	$185
DUI	$1145	$195
Racing	$1145	$191
Leaving scene of an accident/hit and run	$1172	$199

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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 Hagerman 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 Hagerman.

The cheapest car insurance premiums in Hagerman are offered by American National P&C at $196 for a six-month policy. However, it can be as expensive as $1435 with companies like Nationwide.

Hagerman car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$196	$33
Idaho Farm Bureau	$290	$48
Travelers	$598	$101
State Farm	$653	$110
American Family	$737	$124
USAA	$748	$126
Farmers	$854	$144
Allstate	$1212	$204
Farm Bureau	$1267	$215
Auto-Owners	$1379	$230
Nationwide	$1435	$244

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 Hagerman are offered by AutoOwners Insurance Co at $140. However, it can be as expensive as $1083 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hagerman after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$140	$24
Idaho Farm Bureau	$140	$24
American National P&C	$145	$24
State Farm	$224	$38
USAA	$435	$72
American Family	$458	$77
Farm Bureau	$575	$96
Auto-Owners	$614	$104
Travelers	$776	$130
Farmers	$782	$132
Allstate	$1083	$180

Car Insurance Price Trends in Hagerman, Idaho

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

The average cost of full coverage in the Hagerman rose by $125 in December compared to $124 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 Hagerman remained steady at $31 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 Hagerman?

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

What is the cheapest car insurance in Hagerman?

The cheapest car insurance in Hagerman is $49 per month for full coverage.

How much is car insurance in Hagerman for teenagers?

Car insurance for teenagers costs $140 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 Hagerman?

The average cost of car insurance is $528 for a six-month policy. It will cost around $84 per month to insure your car in Hagerman.

Is car insurance expensive in Hagerman?

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

What is the best car insurance in Hagerman, ID?

The best car insurance company in Hagerman ID is American National P&C, offering $285 for a six-month policy.