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Get Cheap Car Insurance in Shelley, ID

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

 

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The Cheapest Minimum Coverage in Shelley

The chart below shows the cheapest car insurance company in Shelley 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.

 
Shelley Insurer Monthly Cost
Auto-Owners Insurance $35
Travelers $37
State Farm $40
Progressive $42

Savings for Every Kind of Shelley Driver

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

Based on our extensive insurance data, we know the average Shelley 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 Shelley residents are paying out over $1,090 extra every year for auto insurance in Shelley. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Shelley, ID Savings / Yr.
Drivers with good records
$266
Drivers with accidents
$548
Drivers with speeding tickets
$476
Drivers with a DUI conviction
$421
Young drivers
$1,001
Married drivers
$258
Drivers with bad credit
$413

Shelley Car Insurance vs. Idaho

People living in Shelley pay an average of 3.66% less than the typical driver in the state. The average driver in Shelley can expect to pay about $604 per year, or $1,090 for full coverage.

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

Car Insurance Prices by Shelley Neighborhood

Shelley, ID map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Shelley?

The map shows insurance prices in and around Shelley, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $39 per year within the city boundaries, with insurance premiums ranging from a high of $1,120 to a low of $1,081. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Northwest parts of Shelley.

Pick the Best Car Insurance Company for You in Shelley

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

The best car insurance provider for most drivers in Shelley

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 Shelley car insurance company.

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We use the average good driver, paying $69 per month, as our baseline for pricing in Shelley. 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 Shelley drivers with accidents on their records

In Shelley getting into an accident will raise premiums an average 34% for a yearly cost of $1,654. That's $565 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 $548 over the competition.

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The best car insurance company for Shelley drivers with speeding tickets

>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $476 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Shelley, tickets raise premiums on new quotes about $374. If you have a speeding ticket, we recommend State Farm, Travelers, and Auto-Owners Insurance for savings that beat the average insurance cost of $1,463 per year.

The best auto insurance for Shelley drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,680 per year in auto insurance premiums, which was $591 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 $421 less each year.

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

In Shelley, Auto-Owners Insurance costs young drivers $1,001 less each year versus the average auto insurance bill.

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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 Shelley. With an average cost of $3,698 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 Shelley

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $83. State Farm, Geico, and Auto-Owners Insurance provided the largest discounts to couples living in Shelley.

Auto-Owners Insurance gave the largest car insurance discounts to married couples, averaging $258 saved each year compared to an average Shelley couple's premiums.

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The cheapest car insurance in Shelley for drivers with bad credit

People with poor credit saved an average of $413 with Auto-Owners Insurance.

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Many people are surprised that their poor credit score can cost them an average of $695 every year. Premiums for people with poor credit were about $1,784 in Shelley. 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 Shelley car insurance company for customer service

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

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

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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 Shelley, which was better than other insurers.

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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 Shelley. 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 Shelley

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 21% of Shelley 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 Shelley driver can expect to pay about $75 per month.

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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 Shelley, 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.
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Auto Insurance Prices in and Around Shelley

What Influences the Cost of Car Insurance in Shelley?

On average, car insurance in Shelley 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 Shelley is 26 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 Shelley are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
  • Shelley has an average population density 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 Shelley 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

Cities with Similar Populations

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