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 Mud Lake, ID

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

 

Start Saving

;

The Cheapest Minimum Coverage in Mud Lake

The chart below shows the cheapest car insurance company in Mud Lake 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.

 
Mud Lake Insurer Monthly Cost
Auto-Owners Insurance $34
Travelers $37
State Farm $39
Progressive $41

Savings for Every Kind of Mud Lake Driver

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

Based on our extensive insurance data, we know the average Mud Lake 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 $263 per year by choosing the right vehicle insurance company. Some Mud Lake residents are paying out over $1,077 extra every year for auto insurance in Mud Lake. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Mud Lake, ID Savings / Yr.
Drivers with good records
$263
Drivers with accidents
$542
Drivers with speeding tickets
$471
Drivers with a DUI conviction
$416
Young drivers
$990
Married drivers
$255
Drivers with bad credit
$409

Mud Lake Car Insurance vs. Idaho

People living in Mud Lake pay an average of 4.76% less than the typical driver in the state. The average driver in Mud Lake can expect to pay about $597 per year, or $1,077 for full coverage.

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

Car Insurance Prices by Mud Lake Neighborhood

Mud Lake, ID map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Mud Lake?

The map shows insurance prices in and around Mud Lake, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,077 to a low of $1,077. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Mud Lake.

Pick the Best Car Insurance Company for You in Mud Lake

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 Mud Lake insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Mud Lake

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $263 over the average Mud Lake car insurance company.

Visit Site

We use the average good driver, paying $68 per month, as our baseline for pricing in Mud Lake. 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 Mud Lake drivers with accidents on their records

In Mud Lake getting into an accident will raise premiums an average 34% for a yearly cost of $1,635. That's $558 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 $542 over the competition.

Visit Site

The best car insurance company for Mud Lake drivers with speeding tickets

>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $471 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 Mud Lake, tickets raise premiums on new quotes about $370. If you have a speeding ticket, we recommend State Farm, Travelers, and Auto-Owners Insurance for savings that beat the average insurance cost of $1,447 per year.

The best auto insurance for Mud Lake drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,661 per year in auto insurance premiums, which was $584 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 $416 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Mud Lake

In Mud Lake, Auto-Owners Insurance costs young drivers $990 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 Mud Lake. With an average cost of $3,656 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 Mud Lake

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $82. State Farm, Geico, and Auto-Owners Insurance provided the largest discounts to couples living in Mud Lake.

Auto-Owners Insurance gave the largest car insurance discounts to married couples, averaging $255 saved each year compared to an average Mud Lake couple's premiums.

Visit Site

The cheapest car insurance in Mud Lake for drivers with bad credit

People with poor credit saved an average of $409 with Auto-Owners Insurance.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $687 every year. Premiums for people with poor credit were about $1,764 in Mud Lake. 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 Mud Lake car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Mud Lake, 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 Mud Lake.

Nationwide was the best company for customer service in Mud Lake 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 Mud Lake, 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 Mud Lake. 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 Mud Lake

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 20% of Mud Lake residents who are renting, and don't plan to be in the city 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 Mud Lake 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 Mud Lake, 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 Mud Lake

What Influences the Cost of Car Insurance in Mud Lake?

On average, car insurance in Mud Lake 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 Mud Lake is 28 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 Mud Lake are among the highest 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.
  • Mud Lake is one of the least populated areas 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 Mud Lake is $50 per month for minimum coverage and $90 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

Cities with Similar Populations

* Who is the average Mud Lake driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Mud Lake 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.