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Get Cheap Car Insurance in 83221, ID
We monitor insurance prices, helping the average driver in 83221 save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in 83221
The chart below shows the cheapest car insurance company in 83221 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by Travelers, State Farm, and Progressive.
| 83221 Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $35 |
| Travelers | $38 |
| State Farm | $40 |
| Progressive | $42 |
Savings for Every Kind of 83221 Driver
Based on our extensive insurance data, we know the average 83221 driver will save about 24% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $269 per year by choosing the right vehicle insurance company. Some 83221 residents are paying out over $1,103 extra every year for auto insurance in 83221. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
83221, ID Savings / Yr. |
|---|---|
$269 |
|
$555 |
|
$482 |
|
$426 |
|
$1,013 |
|
$261 |
|
$418 |
83221 Car Insurance vs. Idaho
People living in 83221 pay an average of 2.47% less than the typical driver in the state. The average driver in 83221 can expect to pay about $612 per year, or $1,103 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in 83221 for most people.
Car Insurance Prices by 83221 Neighborhood
Insurance Prices
Where is insurance cheapest within 83221?
The map shows insurance prices in and around 83221, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $108 per year within the zip boundaries, with insurance premiums ranging from a high of $1,178 to a low of $1,070. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the East parts of 83221.Pick the Best Car Insurance Company for You in 83221
The best car insurance provider for most drivers in 83221
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $269 over the average 83221 car insurance company.
The best car insurance provider for 83221 drivers with accidents on their records
In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $555 over the competition.
The best car insurance company for 83221 drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $482 better than other car insurance companies.
The best auto insurance for 83221 drivers with a DUI conviction
Getting a quote from American Family Insurance may cost the average person with a DUI about $426 less each year.
The least expensive car insurance company for new and young drivers in 83221
In 83221, Auto-Owners Insurance costs young drivers $1,013 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 83221
Auto-Owners Insurance gave the largest car insurance discounts to married couples, averaging $261 saved each year compared to an average 83221 couple's premiums.
The cheapest car insurance in 83221 for drivers with bad credit
The best 83221 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 83221
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average 83221 driver can expect to pay about $75 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 83221, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, married couples, drivers with bad credit, good drivers, young drivers, and drivers with accidents.Auto Insurance Prices in and Around 83221
What Influences the Cost of Car Insurance in 83221?
On average, car insurance in 83221 is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- The average commute time in 83221 is 29 minutes, which is about the national average for a driver in the state.
- Idaho state insurance regulations may allow for lower prices.
- An average of 13 to 14 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 83221 are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- 83221 is a fairly densely populated area in the state. The zip’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in 83221 is $51 per month for minimum coverage and $92 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 83262: Insurance costs 0.54% more
- 83236: Insurance costs 0.36% less
- 83218: Insurance costs 0.18% less
- 83274: Insurance costs 1.27% less
- 83428: Insurance costs 0.63% more
- 83128: Insurance costs 39.08% more
- 83320: Insurance costs 0.36% less
- 83348: Insurance costs 0.73% less
- 82922: Insurance costs 39.26% more
- 82925: Insurance costs 40.16% more
Zip Codes with Similar Populations
- 11356: Insurance costs 202.54% more
- 19053: Insurance costs 30.10% more
- 46845: Insurance costs 5.80% more
- 33967: Insurance costs 125.48% more
- 33705: Insurance costs 174.89% more
- 97838: Insurance costs 34.63% more
- 97214: Insurance costs 62.38% more
- 94306: Insurance costs 84.41% more
- 93035: Insurance costs 92.66% more
- 92602: Insurance costs 94.29% more