Best Cheap Auto Insurance in Cottonwood, ID (2021)

The average Cottonwood, ID auto insurance rates are $245 per month. The minimum auto insurance in Cottonwood is at least 25/50/15 in coverage to comply with Idaho auto insurance laws. To find the best cheap auto insurance in Cottonwood, Idaho, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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

  • Average auto insurance rates in Cottonwood, ID for senior drivers are $1,568 per year
  • The average commute length in Cottonwood is 15.2 minutes
  • The most expensive auto insurance company in Cottonwood for teen drivers is Allstate

Cottonwood, Idaho auto insurance requirements are 25/50/15 according to Idaho auto insurance laws. Finding cheap auto insurance in Cottonwood 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 Cottonwood, Idaho, including driving record, credit, commute time, and more.

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

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

Minimum Auto Insurance in Cottonwood, Idaho

Cottonwood, 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 Cottonwood, Idaho.

Minimum Required Auto Insurance Coverage in Cottonwood, 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 Cottonwood, Idaho Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Cottonwood, 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 Cottonwood, 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 $2,613 $2,595 $2,269 $2,350 $9,701 $11,247 $2,923 $3,105
American Family $2,088 $2,088 $1,859 $1,859 $7,355 $9,596 $2,088 $2,629
Farmers $1,664 $1,651 $1,470 $1,552 $7,947 $8,215 $1,922 $2,035
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 $1,953 $2,004 $1,758 $1,869 $4,758 $5,894 $2,281 $2,460
State Farm $1,172 $1,172 $1,052 $1,052 $3,462 $4,362 $1,321 $1,527
Travelers $1,316 $1,337 $1,319 $1,314 $6,439 $10,206 $1,394 $1,601
USAA $1,173 $1,178 $1,137 $1,126 $3,833 $4,295 $1,557 $1,687

Cheap Cottonwood, Idaho Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Cottonwood, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,701 $11,247
American Family $7,355 $9,596
Farmers $7,947 $8,215
GEICO $4,278 $5,328
Liberty Mutual $4,493 $4,992
Nationwide $4,758 $5,894
State Farm $3,462 $4,362
Travelers $6,439 $10,206
USAA $3,833 $4,295

Cheap Cottonwood, Idaho Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Cottonwood, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,269 $2,350
American Family $1,859 $1,859
Farmers $1,470 $1,552
GEICO $1,919 $1,863
Liberty Mutual $1,158 $1,290
Nationwide $1,758 $1,869
State Farm $1,052 $1,052
Travelers $1,319 $1,314
USAA $1,137 $1,126

Cheap Cottonwood, 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 Cottonwood, Idaho compared to the annual auto insurance rates with a clean record in Cottonwood, Idaho.

Annual Cottonwood, Idaho Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,781 $4,758 $5,358 $4,506
American Family $2,917 $4,122 $4,444 $3,299
Farmers $2,891 $3,656 $3,416 $3,264
GEICO $1,704 $2,720 $3,808 $2,879
Liberty Mutual $1,871 $2,340 $2,420 $2,378
Nationwide $2,184 $2,847 $3,997 $2,460
State Farm $1,726 $2,054 $1,890 $1,890
Travelers $1,928 $2,738 $4,735 $3,063
USAA $1,433 $2,042 $2,781 $1,737

Cheap Cottonwood, Idaho Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Cottonwood, Idaho

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,358
American Family $4,444
Farmers $3,416
GEICO $3,808
Liberty Mutual $2,420
Nationwide $3,997
State Farm $1,890
Travelers $4,735
USAA $2,781

Cheap Cottonwood, Idaho Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Cottonwood, Idaho

Insurance Company Poor Fair Good
Allstate $6,077 $4,127 $3,598
American Family $4,776 $3,404 $2,905
Farmers $3,735 $3,163 $3,023
GEICO $3,377 $2,696 $2,260
Liberty Mutual $3,217 $1,974 $1,565
Nationwide $3,437 $2,761 $2,418
State Farm $2,655 $1,678 $1,336
Travelers $3,569 $3,001 $2,778
USAA $2,941 $1,695 $1,359

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Cheap Cottonwood, Idaho Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Cottonwood, Idaho

ZIP Code Average Annual Rates
83522 $2,945

Cheap Cottonwood, Idaho Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Cottonwood, Idaho

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,600 $4,600
American Family $3,619 $3,771
Farmers $3,307 $3,307
GEICO $2,730 $2,825
Liberty Mutual $2,252 $2,252
Nationwide $2,872 $2,872
State Farm $1,845 $1,935
Travelers $3,116 $3,116
USAA $1,974 $2,022

Cheap Cottonwood, Idaho Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Cottonwood, Idaho

Insurance Company Low Medium High
Allstate $4,461 $4,593 $4,747
American Family $3,705 $3,879 $3,502
Farmers $3,161 $3,274 $3,486
GEICO $2,640 $2,773 $2,920
Liberty Mutual $2,141 $2,249 $2,367
Nationwide $2,850 $3,016 $2,750
State Farm $1,790 $1,893 $1,986
Travelers $3,055 $3,162 $3,131
USAA $1,949 $1,995 $2,050

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Best By Category: Cheapest Auto Insurance in Cottonwood, Idaho

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

Best Annual Auto Insurance Rates by Company in Cottonwood, Idaho

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

The Cheapest Cottonwood, Idaho Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Cottonwood, Idaho

Insurance Company Average Annual Rates
Allstate $4,600
American Family $3,695
Farmers $3,307
GEICO $2,778
Liberty Mutual $2,252
Nationwide $2,872
State Farm $1,890
Travelers $3,116
USAA $1,998

What affects auto insurance rates in Cottonwood, Idaho?

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

Cottonwood Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Cottonwood, Idaho auto theft statistics, there have been 0 auto thefts in the city.

Cottonwood Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Cottonwood, Idaho commute length is 15.2 minutes according to City-Data.

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Compare Cottonwood, Idaho Auto Insurance Quotes

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