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Get Cheap Car Insurance in Garden Valley, ID
We monitor insurance prices, helping the average driver in Garden Valley save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Garden Valley
The chart below shows the cheapest car insurance company in Garden Valley 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.
| Garden Valley Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $35 |
| Travelers | $37 |
| State Farm | $40 |
| Progressive | $42 |
Savings for Every Kind of Garden Valley Driver
Based on our extensive insurance data, we know the average Garden Valley 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 $266 per year by choosing the right vehicle insurance company. Some Garden Valley residents are paying out over $1,091 extra every year for auto insurance in Garden Valley. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Garden Valley, ID Savings / Yr. |
|---|---|
$266 |
|
$549 |
|
$477 |
|
$422 |
|
$1,003 |
|
$259 |
|
$414 |
Garden Valley Car Insurance vs. Idaho
People living in Garden Valley pay an average of 3.50% less than the typical driver in the state. The average driver in Garden Valley can expect to pay about $605 per year, or $1,091 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Garden Valley for most people.
Car Insurance Prices by Garden Valley Neighborhood
Insurance Prices
Where is insurance cheapest within Garden Valley?
The map shows insurance prices in and around Garden Valley, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $27 per year within the city boundaries, with insurance premiums ranging from a high of $1,098 to a low of $1,071. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Southeast parts of Garden Valley.Pick the Best Car Insurance Company for You in Garden Valley
The best car insurance provider for most drivers in Garden Valley
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $266 over the average Garden Valley car insurance company.
The best car insurance provider for Garden Valley 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 $549 over the competition.
The best car insurance company for Garden Valley drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $477 better than other car insurance companies.
The best auto insurance for Garden Valley drivers with a DUI conviction
Getting a quote from American Family Insurance may cost the average person with a DUI about $422 less each year.
The least expensive car insurance company for new and young drivers in Garden Valley
In Garden Valley, Auto-Owners Insurance costs young drivers $1,003 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Garden Valley
Auto-Owners Insurance gave the largest car insurance discounts to married couples, averaging $259 saved each year compared to an average Garden Valley couple's premiums.
The cheapest car insurance in Garden Valley for drivers with bad credit
The best Garden Valley car insurance company for customer service
Nationwide was the best company for customer service in Garden Valley according to the NAIC.
Recent price drops
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The cheapest large national provider in Garden Valley
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Garden Valley 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 Garden Valley, 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 Garden Valley
What Influences the Cost of Car Insurance in Garden Valley?
On average, car insurance in Garden Valley 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:
- 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 Garden Valley 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 C- according to CrimeGrade.org.
- Garden Valley 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 Garden Valley is $50 per month for minimum coverage and $91 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
- Crouch: Insurance costs the same
- Banks: Insurance costs 0.55% more
- Smiths Ferry: Insurance costs 1.10% less
- Pioneerville: Insurance costs 0.37% less
- Placerville: Insurance costs 0.37% more
- Ola: Insurance costs 0.27% more
- Horseshoe Bend: Insurance costs 0.64% more
- Sweet: Insurance costs 0.27% more
- Montour: Insurance costs 0.37% more
- Idaho City: Insurance costs 1.28% less
Cities with Similar Populations
- Emmett: Insurance costs 176.26% more
- Clarksville: Insurance costs 9.99% more
- Corning: Insurance costs 6.05% more
- Cotter: Insurance costs 49.50% more
- Cove: Insurance costs 51.60% more
- Dover: Insurance costs 6.14% more
- East Berlin: Insurance costs 81.58% more
- East Hampton: Insurance costs 124.01% more
- Eden: Insurance costs 1.74% less
- Konawa: Insurance costs 58.85% more