Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

Get Cheap Car Insurance in Clearwater County, ID

We monitor insurance prices, helping the average driver in Clearwater County save up to 33.1% on car insurance.

 

Start Saving

;

The Cheapest Minimum Coverage in Clearwater County

The chart below shows the cheapest car insurance company in Clearwater County 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.

 
Clearwater County Insurer Monthly Cost
Auto-Owners Insurance $36
Travelers $39
State Farm $41
Progressive $44

Savings for Every Kind of Clearwater County Driver

The table shows how much the average auto insurance customer in Clearwater County might save by following our recommendations.

Based on our extensive insurance data, we know the average Clearwater County 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 $277 per year by choosing the right vehicle insurance company. Some Clearwater County residents are paying out over $1,137 extra every year for auto insurance in Clearwater County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Clearwater County, ID Savings / Yr.
Drivers with good records
$277
Drivers with accidents
$572
Drivers with speeding tickets
$497
Drivers with a DUI conviction
$439
Young drivers
$1,044
Married drivers
$269
Drivers with bad credit
$431

Clearwater County Car Insurance vs. Idaho

People living in Clearwater County pay an average of 0.52% more than the typical driver in the state. The average driver in Clearwater County can expect to pay about $630 per year, or $1,137 for full coverage.

Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Clearwater County for most people.

Car Insurance Prices by Clearwater County Neighborhood

Clearwater County, ID map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Clearwater County?

The map shows insurance prices in and around Clearwater County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $63 per year within the county boundaries, with insurance premiums ranging from a high of $1,162 to a low of $1,099. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the North parts of Clearwater County.

Pick the Best Car Insurance Company for You in Clearwater County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Clearwater County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Clearwater County

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $277 over the average Clearwater County car insurance company.

Visit Site

We use the average good driver, paying $72 per month, as our baseline for pricing in Clearwater County. State Farm, Travelers, and Auto-Owners Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Clearwater County drivers with accidents on their records

In Clearwater County getting into an accident will raise premiums an average 34% for a yearly cost of $1,726. That's $589 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Auto-Owners Insurance are good choices for drivers with accidents.

In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $572 over the competition.

Visit Site

The best car insurance company for Clearwater County drivers with speeding tickets

>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $497 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Clearwater County, tickets raise premiums on new quotes about $390. If you have a speeding ticket, we recommend State Farm, Travelers, and Auto-Owners Insurance for savings that beat the average insurance cost of $1,527 per year.

The best auto insurance for Clearwater County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,753 per year in auto insurance premiums, which was $616 more than a driver with no major issues. State Farm, American Family Insurance, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from American Family Insurance may cost the average person with a DUI about $439 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Clearwater County

In Clearwater County, Auto-Owners Insurance costs young drivers $1,044 less each year versus the average auto insurance bill.

Visit Site

Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Clearwater County. With an average cost of $3,859 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Auto-Owners Insurance, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Clearwater County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $86. State Farm, Geico, and Auto-Owners Insurance provided the largest discounts to couples living in Clearwater County.

Auto-Owners Insurance gave the largest car insurance discounts to married couples, averaging $269 saved each year compared to an average Clearwater County couple's premiums.

Visit Site

The cheapest car insurance in Clearwater County for drivers with bad credit

People with poor credit saved an average of $431 with Auto-Owners Insurance.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $725 every year. Premiums for people with poor credit were about $1,862 in Clearwater County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Travelers, and Auto-Owners Insurance.

The best Clearwater County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Clearwater County, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Clearwater County.

Nationwide was the best company for customer service in Clearwater County according to the NAIC.

Visit Site

Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Clearwater County, which was better than other insurers.

Visit Site

During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Clearwater County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Clearwater County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 24% of Clearwater County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Clearwater County driver can expect to pay about $75 per month.

Visit Site

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 Clearwater County, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Clearwater County

What Influences the Cost of Car Insurance in Clearwater County?

On average, car insurance in Clearwater County is more expensive than the rest of the state. These high 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 county are influenced by the following factors:

  • The average commute time in Clearwater County is 33 minutes, which is far more than average for a driver in the state.
  • Idaho state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Clearwater County are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
  • Clearwater County is one of the most densely populated areas in the state. The county’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 Clearwater County is $53 per month for minimum coverage and $95 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 Counties

Counties with Similar Populations

* Who is the average Clearwater County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Clearwater County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.