Cheapest Car Insurance Quotes in Sweetwater

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Sweetwater 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 Sweetwater

The car insurance rate in Sweetwater is $523 for a six-month policy, which is $5 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $300, making it a popular choice for budget-conscious drivers. Rates in Sweetwater 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 Sweetwater

$523

Avg. Car Insurance in Idaho

$528

National Average

$1140

Cheapest Car Insurance Companies in Sweetwater

1st place: American National P&C

At $300 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 $324 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 $352 for six months, making it the third cheapest auto insurance company in Sweetwater.

Sweetwater Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sweetwater, ID is American National P&C, offering policies at just $300 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $324.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1006 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sweetwater drivers find the best deals.

Cheap Car Insurance Companies in Sweetwater, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$300	$51
Auto-Owners Insurance Co	$324	$53
Idaho Farm Bureau	$352	$60
USAA	$394	$66
Travelers	$412	$70
State Farm	$442	$74
American Family	$476	$80
American National	$524	$87
Mutual of Enumclaw	$536	$91
Farmers	$588	$99
Auto-Owners	$658	$112
Nationwide	$788	$132
Allstate	$1006	$171

Key Takeaways

Way's key takeaways about car insurance in Sweetwater

The auto insurance costs in Sweetwater fall around $300 for six months.
The cheapest auto insurance company in Sweetwater is USAA.
Teen drivers pay the highest rate in Sweetwater at $521 per month.

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Cheapest Minimum Liability Car Insurance in Sweetwater

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 Sweetwater are given below.

USAA provides the cheapest minimum car insurance coverage in Sweetwater. Their Average 6 Month Premium is $112. Nationwide is the most expensive at $352 for the same period.

Cheapest Liability Coverage in Sweetwater, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$112	$19
American National	$124	$21
American National P&C	$124	$21
Idaho Farm Bureau	$142	$24
State Farm	$142	$24
Auto-Owners Insurance Co	$148	$25
Mutual of Enumclaw	$176	$30
Auto-Owners	$200	$34
American Family	$206	$35
Farm Bureau	$206	$35
Travelers	$230	$39
Farmers	$242	$41
Allstate	$352	$59
Nationwide	$352	$60

Cheapest Full Coverage Car Insurance in Sweetwater

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 Sweetwater is American National P&C at $51 per month and $300 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sweetwater, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$300	$51
Auto-Owners Insurance Co	$324	$53
Idaho Farm Bureau	$352	$60
USAA	$394	$66
Travelers	$412	$70
State Farm	$442	$74
American Family	$476	$80
American National	$524	$87
Mutual of Enumclaw	$536	$91
Farmers	$588	$99
Auto-Owners	$658	$112
Nationwide	$788	$132
Allstate	$1006	$171

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Average Car Insurance in Sweetwater 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 Sweetwater, ID increasing?

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

Car Insurance Premiums by Age in Sweetwater

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 Sweetwater,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 Sweetwater at $25 per month. At $3093 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	$148	$25
Auto-Owners Insurance Co	$200	$34
Idaho Farm Bureau	$212	$36
Travelers	$1052	$177
State Farm	$1182	$199
Farm Bureau	$1329	$222
USAA	$1564	$263
Auto-Owners	$1688	$281
American Family	$1882	$317
Nationwide	$2252	$375
Farmers	$2523	$425
Allstate	$3093	$521

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 Sweetwater, Idaho Farm Bureau is the cheapest car insurance provider. At $218 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 Sweetwater is Allstate, offering rates of around $1435 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$218	$37
State Farm	$494	$83
American Family	$641	$108
Travelers	$664	$112
USAA	$812	$136
Farm Bureau	$918	$156
Farmers	$952	$160
Auto-Owners	$994	$169
Allstate	$1435	$240

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Car Insurance Rates with An Accident in Sweetwater

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

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

The cheapest car insurance companies after an at-fault accident in Sweetwater include American National and AutoOwners Insurance Co, offering $158 and $170, respectively. Allstate is an expensive provider with an average six-month premium of $1535.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$158	$27
Auto-Owners Insurance Co	$170	$29
American National P&C	$182	$31
Idaho Farm Bureau	$182	$31
State Farm	$382	$64
USAA	$406	$68
Auto-Owners	$618	$104
Farm Bureau	$794	$135
American Family	$812	$137
Travelers	$906	$154
Nationwide	$1170	$195
Farmers	$1282	$216
Allstate	$1535	$258

Sweetwater Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sweetwater ID. For example, the car insurance in Sweetwater after a DUI increases to $488 for a six month policy. While the rate increases by $146 for a six-month policy in the case of a speeding ticket.

Sweetwater auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$718	$120
One Med/PIP claim	$724	$123
Not-at-fault accident	$741	$124
One comp claim	$764	$130
Failure to wear a seat belt	$776	$130
Two Med/PIP claims	$776	$132
Child safety restraint	$830	$139
Driving without lights	$830	$141
Two comp claims	$835	$140
Failure to show documents	$841	$143
Cell phone violation	$858	$144
Driving with expired registration	$858	$146
Following too closely	$858	$144
Illegal turn	$858	$146
Texting while driving	$858	$144
Wrong way/wrong lane	$858	$146
Driving too slowly	$864	$145
Failure to yield	$864	$147
Speeding 11 - 15 MPH over limit	$864	$145
Speeding 6 - 10 MPH over limit	$864	$147
Failure to stop at a red light	$870	$146
Improper passing	$876	$149
Speeding 16 - 20 MPH over limit	$876	$147
In 65 MPH zone	$882	$150
Speeding in school zone	$882	$148
Speeding 21 - 25 MPH over limit	$894	$152
Open container	$952	$158
At-fault accident - less than $1000	$958	$163
Passing school bus	$982	$163
Operating a vehicle without permission	$994	$169
At-fault accident - $1000-$2000	$1052	$175
At-fault accident - greater than $2000	$1052	$179
Driving with a suspended license	$1152	$192
Reckless driving	$1158	$197
Refusal to submit to a chemical test	$1170	$195
DUI	$1206	$205
Racing	$1206	$201
Leaving scene of an accident/hit and run	$1235	$210

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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 Sweetwater 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 Sweetwater.

The cheapest car insurance premiums in Sweetwater are offered by American National P&C at $206 for a six-month policy. However, it can be as expensive as $1512 with companies like Nationwide.

Sweetwater car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$206	$35
Idaho Farm Bureau	$306	$50
Travelers	$630	$106
State Farm	$688	$116
American Family	$776	$131
USAA	$788	$133
Farmers	$900	$151
Allstate	$1276	$215
Farm Bureau	$1335	$227
Auto-Owners	$1452	$243
Nationwide	$1512	$257

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 Sweetwater are offered by AutoOwners Insurance Co at $148. However, it can be as expensive as $1140 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Sweetwater after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$148	$25
Idaho Farm Bureau	$148	$25
American National P&C	$152	$26
State Farm	$236	$40
USAA	$458	$76
American Family	$482	$81
Farm Bureau	$606	$101
Auto-Owners	$646	$110
Travelers	$818	$137
Farmers	$824	$139
Allstate	$1140	$190

Car Insurance Price Trends in Sweetwater, Idaho

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

The average cost of full coverage in the Sweetwater rose by $132 in December compared to $131 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 Sweetwater 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 Sweetwater?

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

What is the cheapest car insurance in Sweetwater?

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

How much is car insurance in Sweetwater for teenagers?

Car insurance for teenagers costs $148 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 Sweetwater?

The average cost of car insurance is $528 for a six-month policy. It will cost around $88 per month to insure your car in Sweetwater.

Is car insurance expensive in Sweetwater?

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

What is the best car insurance in Sweetwater, ID?

The best car insurance company in Sweetwater ID is American National P&C, offering $300 for a six-month policy.