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Get Cheap Car Insurance in Laclede, ID
We monitor insurance prices, helping the average driver in Laclede save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Laclede
The chart below shows the cheapest car insurance company in Laclede 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.
| Laclede Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $37 |
| Travelers | $39 |
| State Farm | $42 |
| Progressive | $44 |
Savings for Every Kind of Laclede Driver
Based on our extensive insurance data, we know the average Laclede 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 $281 per year by choosing the right vehicle insurance company. Some Laclede residents are paying out over $1,153 extra every year for auto insurance in Laclede. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Laclede, ID Savings / Yr. |
|---|---|
$281 |
|
$580 |
|
$504 |
|
$446 |
|
$1,059 |
|
$273 |
|
$437 |
Laclede Car Insurance vs. Idaho
People living in Laclede pay an average of 1.97% more than the typical driver in the state. The average driver in Laclede can expect to pay about $639 per year, or $1,153 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Laclede for most people.
Car Insurance Prices by Laclede Neighborhood
Insurance Prices
Where is insurance cheapest within Laclede?
The map shows insurance prices in and around Laclede, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $97 per year within the city boundaries, with insurance premiums ranging from a high of $1,213 to a low of $1,116. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the West parts of Laclede.Pick the Best Car Insurance Company for You in Laclede
The best car insurance provider for most drivers in Laclede
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $281 over the average Laclede car insurance company.
The best car insurance provider for Laclede 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 $580 over the competition.
The best car insurance company for Laclede drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $504 better than other car insurance companies.
The best auto insurance for Laclede drivers with a DUI conviction
Getting a quote from American Family Insurance may cost the average person with a DUI about $446 less each year.
The least expensive car insurance company for new and young drivers in Laclede
In Laclede, Auto-Owners Insurance costs young drivers $1,059 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Laclede
Auto-Owners Insurance gave the largest car insurance discounts to married couples, averaging $273 saved each year compared to an average Laclede couple's premiums.
The cheapest car insurance in Laclede for drivers with bad credit
The best Laclede car insurance company for customer service
Recent price drops
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The cheapest large national provider in Laclede
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Laclede 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 Laclede, 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 Laclede
What Influences the Cost of Car Insurance in Laclede?
On average, car insurance in Laclede 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 city are influenced by the following factors:
- The average commute time in Laclede is 31 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 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Laclede are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Laclede is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Laclede is $53 per month for minimum coverage and $96 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
- Priest River: Insurance costs 0.69% less
- Edgemere: Insurance costs 1.73% more
- Cocolalla: Insurance costs 3.99% more
- Dover: Insurance costs 0.43% more
- Sagle: Insurance costs 0.17% less
- Westmond: Insurance costs 1.65% less
- Colburn: Insurance costs 0.43% less
- Oldtown: Insurance costs 1.30% less
- Careywood: Insurance costs 2.25% more
- Talache: Insurance costs 2.95% more
Cities with Similar Populations
- Kibler: Insurance costs 40.85% more
- Humboldt: Insurance costs 3.38% less
- Woodville: Insurance costs 65.22% more
- Woodlandville: Insurance costs 50.65% more
- Hurst: Insurance costs 28.10% more
- Wilmot: Insurance costs 32.52% more
- Jasper: Insurance costs 7.89% more
- Wilkeson: Insurance costs 28.01% more
- Jerico: Insurance costs 56.90% more
- Wiley: Insurance costs 135.56% more