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 Cobalt, ID
We monitor insurance prices, helping the average driver in Cobalt save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Cobalt
The chart below shows the cheapest car insurance company in Cobalt 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.
| Cobalt Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $35 |
| Travelers | $38 |
| State Farm | $40 |
| Progressive | $43 |
Savings for Every Kind of Cobalt Driver
Based on our extensive insurance data, we know the average Cobalt 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 $271 per year by choosing the right vehicle insurance company. Some Cobalt residents are paying out over $1,109 extra every year for auto insurance in Cobalt. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Cobalt, ID Savings / Yr. |
|---|---|
$271 |
|
$558 |
|
$485 |
|
$429 |
|
$1,019 |
|
$263 |
|
$421 |
Cobalt Car Insurance vs. Idaho
People living in Cobalt pay an average of 1.92% less than the typical driver in the state. The average driver in Cobalt can expect to pay about $615 per year, or $1,109 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Cobalt for most people.
Car Insurance Prices by Cobalt Neighborhood
Insurance Prices
Where is insurance cheapest within Cobalt?
The map shows insurance prices in and around Cobalt, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $30 per year within the city boundaries, with insurance premiums ranging from a high of $1,125 to a low of $1,095. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Central parts of Cobalt.Pick the Best Car Insurance Company for You in Cobalt
The best car insurance provider for most drivers in Cobalt
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $271 over the average Cobalt car insurance company.
The best car insurance provider for Cobalt 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 $558 over the competition.
The best car insurance company for Cobalt drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $485 better than other car insurance companies.
The best auto insurance for Cobalt drivers with a DUI conviction
Getting a quote from American Family Insurance may cost the average person with a DUI about $429 less each year.
The least expensive car insurance company for new and young drivers in Cobalt
In Cobalt, Auto-Owners Insurance costs young drivers $1,019 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Cobalt
Auto-Owners Insurance gave the largest car insurance discounts to married couples, averaging $263 saved each year compared to an average Cobalt couple's premiums.
The cheapest car insurance in Cobalt for drivers with bad credit
The best Cobalt car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Cobalt, which was better than other insurers.
The cheapest large national provider in Cobalt
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Cobalt 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 Cobalt, 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 Cobalt
What Influences the Cost of Car Insurance in Cobalt?
On average, car insurance in Cobalt 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 city are influenced by the following factors:
- The average commute time in Cobalt is 24 minutes, which is a little less 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 Cobalt are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Cobalt is a fairly densely populated area in the state. The city’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 Cobalt 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 Cities
- Tendoy: Insurance costs 0.45% more
- Salmon: Insurance costs 0.45% more
- Carmen: Insurance costs 1.62% more
- Lemhi: Insurance costs the same
- North Fork: Insurance costs 1.71% more
- Ellis: Insurance costs 0.36% less
- May: Insurance costs 0.72% less
- Jackson: Insurance costs 42.38% more
- Shoup: Insurance costs 2.07% more
- Leadore: Insurance costs the same
Cities with Similar Populations
- Jimtown: Insurance costs 71.60% more
- Empire: Insurance costs 0.45% less
- English: Insurance costs 86.83% more
- Ericson: Insurance costs 27.50% more
- Evanston: Insurance costs 25.70% more
- Fallriver: Insurance costs 20.02% more
- Festus: Insurance costs 120.11% more
- Fiatt: Insurance costs 29.94% more
- Fields Landing: Insurance costs 79.80% more
- Fifty Lakes: Insurance costs 46.53% more