Cheapest Car Insurance Quotes in Parker

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Parker Car Insurance

^$ 20

/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 Parker

The car insurance rate in Parker is $565 for a six-month policy, which is $37 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $324, making it a popular choice for budget-conscious drivers. Rates in Parker 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 Parker

$565

Avg. Car Insurance in Idaho

$528

National Average

$1278

Cheapest Car Insurance Companies in Parker

1st place: American National P&C

At $324 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 $350 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 $381 for six months, making it the third cheapest auto insurance company in Parker.

Parker Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Parker, ID is American National P&C, offering policies at just $324 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $350.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1087 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Parker drivers find the best deals.

Cheap Car Insurance Companies in Parker, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$324	$54
Auto-Owners Insurance Co	$350	$60
Idaho Farm Bureau	$381	$63
USAA	$426	$72
Travelers	$445	$74
State Farm	$477	$80
American Family	$515	$87
American National	$566	$96
Mutual of Enumclaw	$579	$96
Farmers	$636	$107
Auto-Owners	$712	$119
Nationwide	$852	$144
Allstate	$1087	$181

Key Takeaways

Way's key takeaways about car insurance in Parker

The auto insurance costs in Parker fall around $324 for six months.
The cheapest auto insurance company in Parker is USAA.
Teen drivers pay the highest rate in Parker at $595 per month.

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Cheapest Minimum Liability Car Insurance in Parker

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 Parker are given below.

USAA provides the cheapest minimum car insurance coverage in Parker. Their Average 6 Month Premium is $121. Farm Bureau is the most expensive at $223 for the same period.

Cheapest Liability Coverage in Parker, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$121	$20
American National	$134	$22
American National P&C	$134	$22
Idaho Farm Bureau	$153	$26
Auto-Owners Insurance Co	$159	$27
State Farm	$165	$28
Auto-Owners	$190	$32
Mutual of Enumclaw	$190	$32
Travelers	$216	$36
American Family	$223	$37
Farmers	$223	$37
Allstate	$331	$55
Nationwide	$381	$65
Farm Bureau	$223	$37

Cheapest Full Coverage Car Insurance in Parker

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 Parker is American National P&C at $54 per month and $324 for six months.

Cheapest Full Coverage Car Insurance Quotes in Parker, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$324	$54
Auto-Owners Insurance Co	$350	$60
Idaho Farm Bureau	$381	$63
USAA	$426	$72
Travelers	$445	$74
State Farm	$477	$80
American Family	$515	$87
American National	$566	$96
Mutual of Enumclaw	$579	$96
Farmers	$636	$107
Auto-Owners	$712	$119
Nationwide	$852	$144
Allstate	$1087	$181

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Average Car Insurance in Parker 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 Parker, ID increasing?

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

Car Insurance Premiums by Age in Parker

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 Parker,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 Parker at $27 per month. At $3534 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	$159	$27
Auto-Owners Insurance Co	$216	$36
Idaho Farm Bureau	$229	$39
Travelers	$1411	$238
State Farm	$1474	$248
USAA	$1710	$291
Farm Bureau	$1760	$293
Auto-Owners	$2034	$346
Farmers	$2053	$346
American Family	$2168	$365
Nationwide	$2434	$406
Mutual of Enumclaw	$2594	$441
Sentry	$2828	$472
Allstate	$3534	$595

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 Parker, Idaho Farm Bureau is the cheapest car insurance provider. At $235 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 Parker is USAA, offering rates of around $877 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$235	$40
Farmers	$292	$49
State Farm	$724	$122
American Family	$750	$126
Travelers	$832	$140
Farm Bureau	$1220	$208
Auto-Owners	$1316	$219
Allstate	$1703	$290
Mutual of Enumclaw	$1716	$286
Sentry	$1932	$328
USAA	$877	$147

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Car Insurance Rates with An Accident in Parker

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

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

The cheapest car insurance companies after an at-fault accident in Parker include American National and AutoOwners Insurance Co, offering $171 and $184, respectively. Sentry is an expensive provider with an average six-month premium of $2562.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$171	$29
Auto-Owners Insurance Co	$184	$31
American National P&C	$197	$33
Idaho Farm Bureau	$197	$33
USAA	$381	$64
State Farm	$464	$78
Auto-Owners	$776	$131
American Family	$921	$155
Farm Bureau	$1049	$174
Travelers	$1208	$205
Farmers	$1214	$202
Nationwide	$1265	$215
Allstate	$1748	$294
Mutual of Enumclaw	$1952	$332
Sentry	$2562	$427

Parker Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Parker ID. For example, the car insurance in Parker after a DUI increases to $527 for a six month policy. While the rate increases by $158 for a six-month policy in the case of a speeding ticket.

Parker auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$776	$129
One Med/PIP claim	$782	$133
Not-at-fault accident	$800	$134
One comp claim	$826	$140
Failure to wear a seat belt	$839	$140
Two Med/PIP claims	$839	$142
Child safety restraint	$897	$150
Driving without lights	$897	$152
Two comp claims	$902	$151
Failure to show documents	$908	$154
Cell phone violation	$928	$155
Driving with expired registration	$928	$157
Following too closely	$928	$155
Illegal turn	$928	$157
Texting while driving	$928	$155
Wrong way/wrong lane	$928	$157
Driving too slowly	$934	$156
Failure to yield	$934	$158
Speeding 11 - 15 MPH over limit	$934	$156
Speeding 6 - 10 MPH over limit	$934	$158
Failure to stop at a red light	$941	$157
Improper passing	$947	$161
Speeding 16 - 20 MPH over limit	$947	$158
In 65 MPH zone	$953	$163
Speeding in school zone	$953	$159
Speeding 21 - 25 MPH over limit	$966	$165
Open container	$1029	$171
At-fault accident - less than $1000	$1036	$177
Passing school bus	$1061	$177
Operating a vehicle without permission	$1074	$183
At-fault accident - $1000-$2000	$1137	$189
At-fault accident - greater than $2000	$1137	$194
Driving with a suspended license	$1245	$208
Reckless driving	$1252	$213
Refusal to submit to a chemical test	$1265	$211
DUI	$1303	$221
Racing	$1303	$217
Leaving scene of an accident/hit and run	$1334	$227

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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 Parker 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 Parker.

The cheapest car insurance premiums in Parker are offered by American National P&C at $223 for a six-month policy. However, it can be as expensive as $2110 with companies like Mutual of Enumclaw.

Parker car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$223	$37
Idaho Farm Bureau	$331	$55
Farmers	$718	$121
Travelers	$795	$134
USAA	$871	$148
American Family	$890	$150
State Farm	$966	$163
Allstate	$1449	$244
Nationwide	$1634	$278
Farm Bureau	$1767	$294
Auto-Owners	$1894	$322
Sentry	$1939	$323
Mutual of Enumclaw	$2110	$358

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 Parker are offered by AutoOwners Insurance Co at $159. However, it can be as expensive as $495 with companies like USAA for a similar six-month premium.

Cheapest Car Insurance in Parker after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$159	$27
Idaho Farm Bureau	$159	$27
American National P&C	$165	$28
Farmers	$248	$42
State Farm	$363	$61
American Family	$560	$94
Farm Bureau	$800	$134
Auto-Owners	$858	$146
Travelers	$1087	$181
Allstate	$1354	$230
Mutual of Enumclaw	$1621	$270
Sentry	$2378	$404
USAA	$495	$82

Car Insurance Price Trends in Parker, Idaho

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

The average cost of full coverage in the Parker rose by $159 in January compared to $142 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 Parker dipped to $32 in January, compared to $35 in December. This represents an decrease of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Parker?

The car insurance in Parker is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Parker?

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

How much is car insurance in Parker for teenagers?

Car insurance for teenagers costs $159 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 Parker?

The average cost of car insurance is $528 for a six-month policy. It will cost around $94 per month to insure your car in Parker.

Is car insurance expensive in Parker?

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

What is the best car insurance in Parker, ID?

The best car insurance company in Parker ID is American National P&C, offering $324 for a six-month policy.