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Get Cheap Car Insurance in Sugar City, ID
We monitor insurance prices, helping the average driver in Sugar City save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Sugar City
The chart below shows the cheapest car insurance company in Sugar City 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.
| Sugar City Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $35 |
| Travelers | $38 |
| State Farm | $40 |
| Progressive | $43 |
Savings for Every Kind of Sugar City Driver
Based on our extensive insurance data, we know the average Sugar City 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 Sugar City residents are paying out over $1,109 extra every year for auto insurance in Sugar City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Sugar City, ID Savings / Yr. |
|---|---|
$271 |
|
$558 |
|
$484 |
|
$428 |
|
$1,019 |
|
$263 |
|
$421 |
Sugar City Car Insurance vs. Idaho
People living in Sugar City pay an average of 1.95% less than the typical driver in the state. The average driver in Sugar City 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 Sugar City for most people.
Car Insurance Prices by Sugar City Neighborhood
Insurance Prices
Where is insurance cheapest within Sugar City?
The map shows insurance prices in and around Sugar City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $19 per year within the city boundaries, with insurance premiums ranging from a high of $1,118 to a low of $1,099. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Southeast parts of Sugar City.Pick the Best Car Insurance Company for You in Sugar City
The best car insurance provider for most drivers in Sugar City
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 Sugar City car insurance company.
The best car insurance provider for Sugar City 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 Sugar City drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $484 better than other car insurance companies.
The best auto insurance for Sugar City drivers with a DUI conviction
Getting a quote from American Family Insurance may cost the average person with a DUI about $428 less each year.
The least expensive car insurance company for new and young drivers in Sugar City
In Sugar City, 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 Sugar City
Auto-Owners Insurance gave the largest car insurance discounts to married couples, averaging $263 saved each year compared to an average Sugar City couple's premiums.
The cheapest car insurance in Sugar City for drivers with bad credit
The best Sugar City car insurance company for customer service
Nationwide was the best company for customer service in Sugar City according to the NAIC.
Recent price drops
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The cheapest large national provider in Sugar City
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Sugar City 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 Sugar City, 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 Sugar City
What Influences the Cost of Car Insurance in Sugar City?
On average, car insurance in Sugar City 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 Sugar City is 20 minutes, which is far 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 Sugar City 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.
- Sugar City 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 Sugar City 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
- Salem: Insurance costs 0.54% less
- Teton: Insurance costs the same
- Rexburg: Insurance costs 0.09% more
- Wilford: Insurance costs 2.07% less
- Hibbard: Insurance costs 1.44% less
- Edmonds: Insurance costs 1.35% less
- St. Anthony: Insurance costs 0.99% less
- Parker: Insurance costs 0.72% less
- Heman: Insurance costs 0.81% less
- Plano: Insurance costs 1.44% less
Cities with Similar Populations
- Sherrill: Insurance costs 88.82% more
- Alpine: Insurance costs 87.56% more
- Melba: Insurance costs 2.80% less
- North Bennington: Insurance costs 3.79% more
- Ocean Grove: Insurance costs 59.51% more
- Parkman: Insurance costs 4.87% more
- Pierce: Insurance costs 23.62% more
- Pine: Insurance costs 74.21% more
- Robersonville: Insurance costs 14.25% more
- Scott Depot: Insurance costs 32.73% more