Best Cheap Auto Insurance in Challis, ID (2021)

The average Challis, ID auto insurance rates are $236 per month. The minimum auto insurance in Challis is at least 25/50/15 in coverage to comply with Idaho auto insurance laws. To find the best cheap auto insurance in Challis, Idaho, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Challis, Idaho is 25/50/15
  • The cheapest auto insurance company in Challis is USAA
  • The most expensive auto insurance company in Challis for teen drivers is Allstate

Challis, Idaho auto insurance requirements are 25/50/15 according to Idaho auto insurance laws. Finding cheap auto insurance in Challis can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Challis, Idaho, including driving record, credit, commute time, and more.

Compare auto insurance in Challis to other Idaho cities, including Meridian auto insurance rates, Post Falls auto insurance rates, and Caldwell auto insurance rates to see how Challis, Idaho auto insurance rates stack up.

Before you buy Challis, Idaho auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Challis, Idaho auto insurance quotes.

Minimum Auto Insurance in Challis, Idaho

Challis, Idaho auto insurance laws require that you have at least the Idaho minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Challis, Idaho.

Minimum Required Auto Insurance Coverage in Challis, Idaho

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cheap Challis, Idaho Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Challis, Idaho are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Challis, Idaho

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,283 $2,271 $1,986 $2,058 $8,320 $9,619 $2,552 $2,703
American Family $2,088 $2,088 $1,859 $1,859 $7,355 $9,596 $2,088 $2,629
Farmers $1,505 $1,495 $1,326 $1,406 $7,398 $7,662 $1,729 $1,815
GEICO $2,016 $1,991 $1,919 $1,863 $4,278 $5,328 $2,718 $2,106
Liberty Mutual $1,426 $1,538 $1,158 $1,290 $4,493 $4,992 $1,515 $1,606
Nationwide $1,886 $1,932 $1,699 $1,806 $4,597 $5,674 $2,203 $2,374
State Farm $1,190 $1,190 $1,066 $1,066 $3,432 $4,349 $1,340 $1,533
Travelers $1,344 $1,365 $1,348 $1,341 $6,528 $10,292 $1,425 $1,642
USAA $1,100 $1,103 $1,070 $1,059 $3,565 $3,999 $1,458 $1,579

Cheap Challis, Idaho Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Challis, Idaho is a challenge. Take a look at the annual teen auto insurance rates in Challis, Idaho.

Annual Auto Insurance Rates for Teen Drivers in Challis, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,320 $9,619
American Family $7,355 $9,596
Farmers $7,398 $7,662
GEICO $4,278 $5,328
Liberty Mutual $4,493 $4,992
Nationwide $4,597 $5,674
State Farm $3,432 $4,349
Travelers $6,528 $10,292
USAA $3,565 $3,999

Cheap Challis, Idaho Auto Insurance for Seniors

What are senior auto insurance rates in Challis, Idaho? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Challis, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,986 $2,058
American Family $1,859 $1,859
Farmers $1,326 $1,406
GEICO $1,919 $1,863
Liberty Mutual $1,158 $1,290
Nationwide $1,699 $1,806
State Farm $1,066 $1,066
Travelers $1,348 $1,341
USAA $1,070 $1,059

Cheap Challis, Idaho Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Challis, Idaho compared to the annual auto insurance rates with a clean record in Challis, Idaho.

Annual Challis, Idaho Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,280 $4,118 $4,607 $3,891
American Family $2,917 $4,122 $4,444 $3,299
Farmers $2,651 $3,363 $3,158 $2,995
GEICO $1,704 $2,720 $3,808 $2,879
Liberty Mutual $1,871 $2,340 $2,420 $2,378
Nationwide $2,113 $2,748 $3,848 $2,377
State Farm $1,737 $2,055 $1,896 $1,896
Travelers $1,954 $2,774 $4,813 $3,102
USAA $1,341 $1,908 $2,595 $1,623

Cheap Challis, Idaho Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Challis, Idaho is not easy. Compare the annual rates for DUI auto insurance in Challis, Idaho to find the best deal.

Annual Auto Insurance Rates After a DUI in Challis, Idaho

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,607
American Family $4,444
Farmers $3,158
GEICO $3,808
Liberty Mutual $2,420
Nationwide $3,848
State Farm $1,896
Travelers $4,813
USAA $2,595

Cheap Challis, Idaho Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Challis, Idaho annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Challis, Idaho

Insurance Company Poor Fair Good
Allstate $5,243 $3,565 $3,114
American Family $4,776 $3,404 $2,905
Farmers $3,426 $2,915 $2,785
GEICO $3,377 $2,696 $2,260
Liberty Mutual $3,217 $1,974 $1,565
Nationwide $3,312 $2,666 $2,336
State Farm $2,663 $1,683 $1,340
Travelers $3,623 $3,043 $2,816
USAA $2,742 $1,585 $1,273

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Cheap Challis, Idaho Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Challis, Idaho can vary. Compare the annual cost of auto insurance by ZIP code in Challis, Idaho to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Challis, Idaho

ZIP Code Average Annual Rates
83226 $2,826

Cheap Challis, Idaho Auto Insurance Rates By Commute

Commute length and annual mileage affect Challis, Idaho auto insurance. Find the cheapest annual Challis, Idaho auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Challis, Idaho

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,974 $3,974
American Family $3,619 $3,771
Farmers $3,042 $3,042
GEICO $2,730 $2,825
Liberty Mutual $2,252 $2,252
Nationwide $2,771 $2,771
State Farm $1,849 $1,942
Travelers $3,161 $3,161
USAA $1,844 $1,889

Cheap Challis, Idaho Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Challis, Idaho? Check out the comparison of annual Challis, Idaho auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Challis, Idaho

Insurance Company Low Medium High
Allstate $3,835 $3,967 $4,121
American Family $3,705 $3,879 $3,502
Farmers $2,880 $3,004 $3,241
GEICO $2,640 $2,773 $2,920
Liberty Mutual $2,141 $2,249 $2,367
Nationwide $2,732 $2,912 $2,669
State Farm $1,787 $1,900 $2,000
Travelers $3,112 $3,207 $3,163
USAA $1,817 $1,864 $1,920

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Best By Category: Cheapest Auto Insurance in Challis, Idaho

Compare the cheapest auto insurance companies in Challis, Idaho in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Challis, Idaho

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Challis, Idaho Auto Insurance Companies

What auto insurance companies in Challis, Idaho are the cheapest? Compare the top Challis, Idaho auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Challis, Idaho

Insurance Company Average Annual Rates
Allstate $3,974
American Family $3,695
Farmers $3,042
GEICO $2,778
Liberty Mutual $2,252
Nationwide $2,771
State Farm $1,896
Travelers $3,161
USAA $1,867

What affects auto insurance rates in Challis, Idaho?

There are a lot of reasons why auto insurance rates in Challis, Idaho are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Challis, Idaho. Many local factors may affect your Challis auto insurance rates.

Challis Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Challis, Idaho commute length is 12.0 minutes according to City-Data.

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Compare Challis, Idaho Auto Insurance Quotes

Before you buy Challis, Idaho auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Challis, Idaho auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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