Cheapest Car Insurance Quotes in Sun Valley

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Sun Valley Car Insurance

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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 Sun Valley

The car insurance rate in Sun Valley is $502 for a six-month policy, which is $26 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $288, making it a popular choice for budget-conscious drivers. Rates in Sun Valley 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 Sun Valley

$502

Avg. Car Insurance in Idaho

$528

National Average

$1140

Cheapest Car Insurance Companies in Sun Valley

1st place: American National P&C

At $288 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 $311 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 $338 for six months, making it the third cheapest auto insurance company in Sun Valley.

Sun Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sun Valley, ID is American National P&C, offering policies at just $288 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $311.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $965 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sun Valley drivers find the best deals.

Cheap Car Insurance Companies in Sun Valley, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$288	$49
Auto-Owners Insurance Co	$311	$51
Idaho Farm Bureau	$338	$58
USAA	$378	$64
Travelers	$395	$67
State Farm	$424	$71
American Family	$457	$77
American National	$503	$84
Mutual of Enumclaw	$514	$87
Farmers	$564	$95
Auto-Owners	$632	$107
Nationwide	$756	$126
Allstate	$965	$164

Key Takeaways

Way's key takeaways about car insurance in Sun Valley

The auto insurance costs in Sun Valley fall around $288 for six months.
The cheapest auto insurance company in Sun Valley is USAA.
Teen drivers pay the highest rate in Sun Valley at $500 per month.

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Cheapest Minimum Liability Car Insurance in Sun Valley

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 Sun Valley are given below.

USAA provides the cheapest minimum car insurance coverage in Sun Valley. Their Average 6 Month Premium is $107. Nationwide is the most expensive at $338 for the same period.

Cheapest Liability Coverage in Sun Valley, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$107	$18
American National	$119	$20
American National P&C	$119	$20
Idaho Farm Bureau	$136	$23
State Farm	$136	$23
Auto-Owners Insurance Co	$142	$24
Mutual of Enumclaw	$169	$29
Auto-Owners	$192	$32
American Family	$198	$33
Farm Bureau	$198	$33
Travelers	$220	$37
Farmers	$232	$39
Allstate	$338	$57
Nationwide	$338	$58

Cheapest Full Coverage Car Insurance in Sun Valley

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 Sun Valley is American National P&C at $49 per month and $288 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sun Valley, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$288	$49
Auto-Owners Insurance Co	$311	$51
Idaho Farm Bureau	$338	$58
USAA	$378	$64
Travelers	$395	$67
State Farm	$424	$71
American Family	$457	$77
American National	$503	$84
Mutual of Enumclaw	$514	$87
Farmers	$564	$95
Auto-Owners	$632	$107
Nationwide	$756	$126
Allstate	$965	$164

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Average Car Insurance in Sun Valley 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 Sun Valley, ID increasing?

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

Car Insurance Premiums by Age in Sun Valley

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 Sun Valley,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 Sun Valley at $24 per month. At $2968 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	$142	$24
Auto-Owners Insurance Co	$192	$32
Idaho Farm Bureau	$203	$34
Travelers	$1010	$170
State Farm	$1134	$191
Farm Bureau	$1275	$213
USAA	$1501	$253
Auto-Owners	$1620	$270
American Family	$1806	$304
Nationwide	$2161	$360
Farmers	$2421	$408
Allstate	$2968	$500

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 Sun Valley, Idaho Farm Bureau is the cheapest car insurance provider. At $209 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 Sun Valley is Allstate, offering rates of around $1377 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$209	$35
State Farm	$474	$80
American Family	$615	$104
Travelers	$637	$107
USAA	$779	$130
Farm Bureau	$881	$150
Farmers	$914	$154
Auto-Owners	$954	$162
Allstate	$1377	$230

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Car Insurance Rates with An Accident in Sun Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sun Valley

The cheapest car insurance companies after an at-fault accident in Sun Valley include American National and AutoOwners Insurance Co, offering $152 and $163, respectively. Allstate is an expensive provider with an average six-month premium of $1473.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$152	$26
Auto-Owners Insurance Co	$163	$28
American National P&C	$175	$29
Idaho Farm Bureau	$175	$29
State Farm	$367	$62
USAA	$390	$66
Auto-Owners	$593	$100
Farm Bureau	$762	$129
American Family	$779	$131
Travelers	$869	$148
Nationwide	$1123	$187
Farmers	$1230	$207
Allstate	$1473	$248

Sun Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sun Valley ID. For example, the car insurance in Sun Valley after a DUI increases to $468 for a six month policy. While the rate increases by $140 for a six-month policy in the case of a speeding ticket.

Sun Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$689	$115
One Med/PIP claim	$694	$118
Not-at-fault accident	$711	$119
One comp claim	$733	$124
Failure to wear a seat belt	$745	$124
Two Med/PIP claims	$745	$126
Child safety restraint	$796	$133
Driving without lights	$796	$135
Two comp claims	$801	$134
Failure to show documents	$807	$137
Cell phone violation	$824	$138
Driving with expired registration	$824	$140
Following too closely	$824	$138
Illegal turn	$824	$140
Texting while driving	$824	$138
Wrong way/wrong lane	$824	$140
Driving too slowly	$829	$139
Failure to yield	$829	$141
Speeding 11 - 15 MPH over limit	$829	$139
Speeding 6 - 10 MPH over limit	$829	$141
Failure to stop at a red light	$835	$140
Improper passing	$841	$143
Speeding 16 - 20 MPH over limit	$841	$141
In 65 MPH zone	$846	$144
Speeding in school zone	$846	$142
Speeding 21 - 25 MPH over limit	$858	$146
Open container	$914	$152
At-fault accident - less than $1000	$920	$157
Passing school bus	$942	$157
Operating a vehicle without permission	$954	$162
At-fault accident - $1000-$2000	$1010	$168
At-fault accident - greater than $2000	$1010	$172
Driving with a suspended license	$1106	$184
Reckless driving	$1112	$189
Refusal to submit to a chemical test	$1123	$187
DUI	$1157	$197
Racing	$1157	$193
Leaving scene of an accident/hit and run	$1185	$201

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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 Sun Valley 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 Sun Valley.

The cheapest car insurance premiums in Sun Valley are offered by American National P&C at $198 for a six-month policy. However, it can be as expensive as $1451 with companies like Nationwide.

Sun Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$198	$33
Idaho Farm Bureau	$294	$48
Travelers	$604	$102
State Farm	$660	$111
American Family	$745	$125
USAA	$756	$127
Farmers	$864	$145
Allstate	$1225	$206
Farm Bureau	$1281	$218
Auto-Owners	$1394	$233
Nationwide	$1451	$247

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 Sun Valley are offered by AutoOwners Insurance Co at $142. However, it can be as expensive as $1094 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Sun Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$142	$24
Idaho Farm Bureau	$142	$24
American National P&C	$146	$25
State Farm	$226	$38
USAA	$440	$73
American Family	$463	$78
Farm Bureau	$581	$97
Auto-Owners	$620	$105
Travelers	$785	$131
Farmers	$790	$133
Allstate	$1094	$182

Car Insurance Price Trends in Sun Valley, Idaho

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

The average cost of full coverage in the Sun Valley rose by $126 in December compared to $125 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 Sun Valley 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 Sun Valley?

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

What is the cheapest car insurance in Sun Valley?

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

How much is car insurance in Sun Valley for teenagers?

Car insurance for teenagers costs $142 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 Sun Valley?

The average cost of car insurance is $528 for a six-month policy. It will cost around $85 per month to insure your car in Sun Valley.

Is car insurance expensive in Sun Valley?

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

What is the best car insurance in Sun Valley, ID?

The best car insurance company in Sun Valley ID is American National P&C, offering $288 for a six-month policy.