Cheapest Car Insurance Quotes in Juliaetta

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Juliaetta Car Insurance

^$ 19

/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 Juliaetta

The car insurance rate in Juliaetta is $533 for a six-month policy, which is $5 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $306, making it a popular choice for budget-conscious drivers. Rates in Juliaetta 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 Juliaetta

$533

Avg. Car Insurance in Idaho

$528

National Average

$1140

Cheapest Car Insurance Companies in Juliaetta

1st place: American National P&C

At $306 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 $330 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 $360 for six months, making it the third cheapest auto insurance company in Juliaetta.

Juliaetta Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Juliaetta, ID is American National P&C, offering policies at just $306 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $330.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1026 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Juliaetta drivers find the best deals.

Cheap Car Insurance Companies in Juliaetta, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$306	$53
Auto-Owners Insurance Co	$330	$55
Idaho Farm Bureau	$360	$62
USAA	$402	$68
Travelers	$420	$72
State Farm	$450	$76
American Family	$486	$82
American National	$534	$89
Mutual of Enumclaw	$546	$93
Farmers	$600	$101
Auto-Owners	$672	$114
Nationwide	$804	$134
Allstate	$1026	$175

Key Takeaways

Way's key takeaways about car insurance in Juliaetta

The auto insurance costs in Juliaetta fall around $306 for six months.
The cheapest auto insurance company in Juliaetta is USAA.
Teen drivers pay the highest rate in Juliaetta at $531 per month.

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Cheapest Minimum Liability Car Insurance in Juliaetta

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 Juliaetta are given below.

USAA provides the cheapest minimum car insurance coverage in Juliaetta. Their Average 6 Month Premium is $114. Nationwide is the most expensive at $360 for the same period.

Cheapest Liability Coverage in Juliaetta, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$114	$19
American National	$126	$21
American National P&C	$126	$21
Idaho Farm Bureau	$144	$24
State Farm	$144	$24
Auto-Owners Insurance Co	$150	$25
Mutual of Enumclaw	$180	$30
Auto-Owners	$204	$34
American Family	$210	$35
Farm Bureau	$210	$35
Travelers	$234	$39
Farmers	$246	$41
Allstate	$360	$61
Nationwide	$360	$62

Cheapest Full Coverage Car Insurance in Juliaetta

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 Juliaetta is American National P&C at $53 per month and $306 for six months.

Cheapest Full Coverage Car Insurance Quotes in Juliaetta, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$306	$53
Auto-Owners Insurance Co	$330	$55
Idaho Farm Bureau	$360	$62
USAA	$402	$68
Travelers	$420	$72
State Farm	$450	$76
American Family	$486	$82
American National	$534	$89
Mutual of Enumclaw	$546	$93
Farmers	$600	$101
Auto-Owners	$672	$114
Nationwide	$804	$134
Allstate	$1026	$175

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Average Car Insurance in Juliaetta 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 Juliaetta, ID increasing?

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

Car Insurance Premiums by Age in Juliaetta

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 Juliaetta,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 Juliaetta at $25 per month. At $3155 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	$150	$25
Auto-Owners Insurance Co	$204	$34
Idaho Farm Bureau	$216	$36
Travelers	$1074	$181
State Farm	$1206	$203
Farm Bureau	$1355	$226
USAA	$1596	$269
Auto-Owners	$1722	$287
American Family	$1920	$323
Nationwide	$2298	$383
Farmers	$2573	$433
Allstate	$3155	$531

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 Juliaetta, Idaho Farm Bureau is the cheapest car insurance provider. At $222 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 Juliaetta is Allstate, offering rates of around $1463 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$222	$37
State Farm	$504	$85
American Family	$653	$110
Travelers	$678	$114
USAA	$828	$138
Farm Bureau	$936	$160
Farmers	$972	$164
Auto-Owners	$1014	$173
Allstate	$1463	$244

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Car Insurance Rates with An Accident in Juliaetta

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

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

The cheapest car insurance companies after an at-fault accident in Juliaetta include American National and AutoOwners Insurance Co, offering $162 and $174, respectively. Allstate is an expensive provider with an average six-month premium of $1566.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$162	$27
Auto-Owners Insurance Co	$174	$29
American National P&C	$186	$31
Idaho Farm Bureau	$186	$31
State Farm	$390	$66
USAA	$414	$70
Auto-Owners	$630	$106
Farm Bureau	$810	$137
American Family	$828	$139
Travelers	$924	$158
Nationwide	$1194	$199
Farmers	$1308	$220
Allstate	$1566	$264

Juliaetta Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Juliaetta ID. For example, the car insurance in Juliaetta after a DUI increases to $498 for a six month policy. While the rate increases by $150 for a six-month policy in the case of a speeding ticket.

Juliaetta auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$732	$122
One Med/PIP claim	$738	$125
Not-at-fault accident	$755	$126
One comp claim	$780	$132
Failure to wear a seat belt	$792	$132
Two Med/PIP claims	$792	$134
Child safety restraint	$846	$141
Driving without lights	$846	$143
Two comp claims	$851	$142
Failure to show documents	$857	$145
Cell phone violation	$876	$146
Driving with expired registration	$876	$148
Following too closely	$876	$146
Illegal turn	$876	$148
Texting while driving	$876	$146
Wrong way/wrong lane	$876	$148
Driving too slowly	$882	$147
Failure to yield	$882	$149
Speeding 11 - 15 MPH over limit	$882	$147
Speeding 6 - 10 MPH over limit	$882	$149
Failure to stop at a red light	$888	$148
Improper passing	$894	$152
Speeding 16 - 20 MPH over limit	$894	$149
In 65 MPH zone	$900	$154
Speeding in school zone	$900	$150
Speeding 21 - 25 MPH over limit	$912	$156
Open container	$972	$162
At-fault accident - less than $1000	$978	$167
Passing school bus	$1002	$167
Operating a vehicle without permission	$1014	$173
At-fault accident - $1000-$2000	$1074	$179
At-fault accident - greater than $2000	$1074	$183
Driving with a suspended license	$1176	$196
Reckless driving	$1182	$201
Refusal to submit to a chemical test	$1194	$199
DUI	$1230	$209
Racing	$1230	$205
Leaving scene of an accident/hit and run	$1259	$214

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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 Juliaetta 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 Juliaetta.

The cheapest car insurance premiums in Juliaetta are offered by American National P&C at $210 for a six-month policy. However, it can be as expensive as $1542 with companies like Nationwide.

Juliaetta car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$210	$35
Idaho Farm Bureau	$312	$52
Travelers	$642	$108
State Farm	$702	$118
American Family	$792	$133
USAA	$804	$135
Farmers	$918	$155
Allstate	$1302	$219
Farm Bureau	$1361	$231
Auto-Owners	$1482	$247
Nationwide	$1542	$263

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 Juliaetta are offered by AutoOwners Insurance Co at $150. However, it can be as expensive as $1164 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Juliaetta after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$150	$25
Idaho Farm Bureau	$150	$25
American National P&C	$156	$26
State Farm	$240	$40
USAA	$468	$78
American Family	$492	$83
Farm Bureau	$618	$103
Auto-Owners	$660	$112
Travelers	$834	$139
Farmers	$840	$141
Allstate	$1164	$194

Car Insurance Price Trends in Juliaetta, Idaho

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

The average cost of full coverage in the Juliaetta rose by $134 in December compared to $133 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 Juliaetta remained steady at $33 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 Juliaetta?

The car insurance in Juliaetta is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Juliaetta?

The cheapest car insurance in Juliaetta is $53 per month for full coverage.

How much is car insurance in Juliaetta for teenagers?

Car insurance for teenagers costs $150 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 Juliaetta?

The average cost of car insurance is $528 for a six-month policy. It will cost around $90 per month to insure your car in Juliaetta.

Is car insurance expensive in Juliaetta?

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

What is the best car insurance in Juliaetta, ID?

The best car insurance company in Juliaetta ID is American National P&C, offering $306 for a six-month policy.