Cheapest Car Insurance Quotes in Sugar City

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Sugar City 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 Sugar City

The car insurance rate in Sugar City is $517 for a six-month policy, which is $11 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $297, making it a popular choice for budget-conscious drivers. Rates in Sugar City 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 Sugar City

$517

Avg. Car Insurance in Idaho

$528

National Average

$1140

Cheapest Car Insurance Companies in Sugar City

1st place: American National P&C

At $297 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 $320 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 $349 for six months, making it the third cheapest auto insurance company in Sugar City.

Sugar City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sugar City, ID is American National P&C, offering policies at just $297 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $320.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $996 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sugar City drivers find the best deals.

Cheap Car Insurance Companies in Sugar City, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$297	$51
Auto-Owners Insurance Co	$320	$53
Idaho Farm Bureau	$349	$60
USAA	$390	$66
Travelers	$408	$70
State Farm	$437	$74
American Family	$471	$79
American National	$518	$86
Mutual of Enumclaw	$530	$90
Farmers	$582	$98
Auto-Owners	$652	$111
Nationwide	$780	$130
Allstate	$996	$170

Key Takeaways

Way's key takeaways about car insurance in Sugar City

The auto insurance costs in Sugar City fall around $297 for six months.
The cheapest auto insurance company in Sugar City is USAA.
Teen drivers pay the highest rate in Sugar City at $515 per month.

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Cheapest Minimum Liability Car Insurance in Sugar City

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 Sugar City are given below.

USAA provides the cheapest minimum car insurance coverage in Sugar City. Their Average 6 Month Premium is $111. Nationwide is the most expensive at $349 for the same period.

Cheapest Liability Coverage in Sugar City, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$111	$19
American National	$123	$21
American National P&C	$123	$21
Idaho Farm Bureau	$140	$24
State Farm	$140	$24
Auto-Owners Insurance Co	$146	$25
Mutual of Enumclaw	$174	$29
Auto-Owners	$198	$33
American Family	$204	$34
Farm Bureau	$204	$34
Travelers	$227	$38
Farmers	$239	$40
Allstate	$349	$59
Nationwide	$349	$60

Cheapest Full Coverage Car Insurance in Sugar City

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 Sugar City is American National P&C at $51 per month and $297 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sugar City, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$297	$51
Auto-Owners Insurance Co	$320	$53
Idaho Farm Bureau	$349	$60
USAA	$390	$66
Travelers	$408	$70
State Farm	$437	$74
American Family	$471	$79
American National	$518	$86
Mutual of Enumclaw	$530	$90
Farmers	$582	$98
Auto-Owners	$652	$111
Nationwide	$780	$130
Allstate	$996	$170

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Average Car Insurance in Sugar City 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 Sugar City, ID increasing?

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

Car Insurance Premiums by Age in Sugar City

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 Sugar City,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 Sugar City at $25 per month. At $3062 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	$146	$25
Auto-Owners Insurance Co	$198	$33
Idaho Farm Bureau	$210	$35
Travelers	$1042	$175
State Farm	$1170	$197
Farm Bureau	$1315	$220
USAA	$1548	$261
Auto-Owners	$1671	$278
American Family	$1863	$314
Nationwide	$2230	$371
Farmers	$2497	$420
Allstate	$3062	$515

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 Sugar City, Idaho Farm Bureau is the cheapest car insurance provider. At $216 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 Sugar City is Allstate, offering rates of around $1420 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$216	$36
State Farm	$489	$82
American Family	$634	$107
Travelers	$658	$111
USAA	$804	$134
Farm Bureau	$908	$155
Farmers	$943	$159
Auto-Owners	$984	$168
Allstate	$1420	$237

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Car Insurance Rates with An Accident in Sugar City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sugar City

The cheapest car insurance companies after an at-fault accident in Sugar City include American National and AutoOwners Insurance Co, offering $157 and $169, respectively. Allstate is an expensive provider with an average six-month premium of $1519.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$157	$26
Auto-Owners Insurance Co	$169	$28
American National P&C	$180	$30
Idaho Farm Bureau	$180	$30
State Farm	$378	$64
USAA	$402	$68
Auto-Owners	$612	$103
Farm Bureau	$786	$133
American Family	$804	$135
Travelers	$897	$153
Nationwide	$1158	$193
Farmers	$1269	$214
Allstate	$1519	$256

Sugar City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sugar City ID. For example, the car insurance in Sugar City after a DUI increases to $483 for a six month policy. While the rate increases by $145 for a six-month policy in the case of a speeding ticket.

Sugar City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$711	$119
One Med/PIP claim	$716	$122
Not-at-fault accident	$733	$123
One comp claim	$757	$128
Failure to wear a seat belt	$768	$128
Two Med/PIP claims	$768	$130
Child safety restraint	$821	$137
Driving without lights	$821	$139
Two comp claims	$826	$138
Failure to show documents	$832	$141
Cell phone violation	$850	$142
Driving with expired registration	$850	$144
Following too closely	$850	$142
Illegal turn	$850	$144
Texting while driving	$850	$142
Wrong way/wrong lane	$850	$144
Driving too slowly	$856	$143
Failure to yield	$856	$145
Speeding 11 - 15 MPH over limit	$856	$143
Speeding 6 - 10 MPH over limit	$856	$145
Failure to stop at a red light	$861	$144
Improper passing	$867	$147
Speeding 16 - 20 MPH over limit	$867	$145
In 65 MPH zone	$873	$149
Speeding in school zone	$873	$146
Speeding 21 - 25 MPH over limit	$885	$151
Open container	$943	$157
At-fault accident - less than $1000	$949	$162
Passing school bus	$972	$162
Operating a vehicle without permission	$984	$168
At-fault accident - $1000-$2000	$1042	$173
At-fault accident - greater than $2000	$1042	$177
Driving with a suspended license	$1141	$190
Reckless driving	$1147	$195
Refusal to submit to a chemical test	$1158	$193
DUI	$1194	$203
Racing	$1194	$199
Leaving scene of an accident/hit and run	$1222	$208

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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 Sugar City 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 Sugar City.

The cheapest car insurance premiums in Sugar City are offered by American National P&C at $204 for a six-month policy. However, it can be as expensive as $1496 with companies like Nationwide.

Sugar City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$204	$34
Idaho Farm Bureau	$303	$50
Travelers	$623	$105
State Farm	$681	$115
American Family	$768	$129
USAA	$780	$131
Farmers	$891	$150
Allstate	$1263	$213
Farm Bureau	$1321	$224
Auto-Owners	$1438	$240
Nationwide	$1496	$255

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 Sugar City are offered by AutoOwners Insurance Co at $146. However, it can be as expensive as $1129 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Sugar City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$146	$25
Idaho Farm Bureau	$146	$25
American National P&C	$151	$25
State Farm	$233	$39
USAA	$454	$75
American Family	$477	$80
Farm Bureau	$600	$100
Auto-Owners	$640	$109
Travelers	$809	$135
Farmers	$815	$137
Allstate	$1129	$188

Car Insurance Price Trends in Sugar City, Idaho

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

The average cost of full coverage in the Sugar City rose by $130 in December compared to $129 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 Sugar City 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 Sugar City?

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

What is the cheapest car insurance in Sugar City?

The cheapest car insurance in Sugar City is $51 per month for full coverage.

How much is car insurance in Sugar City for teenagers?

Car insurance for teenagers costs $146 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 Sugar City?

The average cost of car insurance is $528 for a six-month policy. It will cost around $87 per month to insure your car in Sugar City.

Is car insurance expensive in Sugar City?

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

What is the best car insurance in Sugar City, ID?

The best car insurance company in Sugar City ID is American National P&C, offering $297 for a six-month policy.