Best Cheap Auto Insurance in Payette, ID (2021)

The average Payette, ID auto insurance rates are $230 per month. The minimum auto insurance in Payette is at least 25/50/15 in coverage to comply with Idaho auto insurance laws. To find the best cheap auto insurance in Payette, 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 Payette, ID for senior drivers are $1,466 per year
  • The most expensive auto insurance company in Payette for teen drivers is Allstate
  • The average commute length in Payette is 17.2 minutes

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

Compare auto insurance in Payette to other Idaho cities, including Boise City auto insurance rates, Coeur d’Alene auto insurance rates, and Idaho Falls auto insurance rates to see how Payette, Idaho auto insurance rates stack up.

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

Minimum Auto Insurance in Payette, Idaho

Payette, 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 Payette, Idaho.

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

Auto insurance rates in Payette, 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 Payette, 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 $2,227 $2,210 $1,947 $2,018 $8,279 $9,580 $2,474 $2,607
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 $1,825 $1,801 $1,736 $1,686 $3,966 $4,926 $2,500 $1,906
Liberty Mutual $1,426 $1,538 $1,158 $1,290 $4,493 $4,992 $1,515 $1,606
Nationwide $1,859 $1,903 $1,676 $1,779 $4,579 $5,650 $2,177 $2,346
State Farm $1,057 $1,057 $954 $954 $3,180 $3,998 $1,193 $1,383
Travelers $1,310 $1,331 $1,312 $1,307 $6,376 $10,090 $1,389 $1,598
USAA $1,100 $1,103 $1,070 $1,059 $3,565 $3,999 $1,458 $1,579

Cheap Payette, Idaho Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Payette, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,279 $9,580
American Family $7,355 $9,596
Farmers $7,398 $7,662
GEICO $3,966 $4,926
Liberty Mutual $4,493 $4,992
Nationwide $4,579 $5,650
State Farm $3,180 $3,998
Travelers $6,376 $10,090
USAA $3,565 $3,999

Cheap Payette, Idaho Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Payette, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,947 $2,018
American Family $1,859 $1,859
Farmers $1,326 $1,406
GEICO $1,736 $1,686
Liberty Mutual $1,158 $1,290
Nationwide $1,676 $1,779
State Farm $954 $954
Travelers $1,312 $1,307
USAA $1,070 $1,059

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

Annual Payette, Idaho Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,225 $4,064 $4,548 $3,834
American Family $2,917 $4,122 $4,444 $3,299
Farmers $2,651 $3,363 $3,158 $2,995
GEICO $1,571 $2,496 $3,472 $2,633
Liberty Mutual $1,871 $2,340 $2,420 $2,378
Nationwide $2,098 $2,724 $3,806 $2,358
State Farm $1,569 $1,875 $1,722 $1,722
Travelers $1,915 $2,715 $4,692 $3,035
USAA $1,341 $1,908 $2,595 $1,623

Cheap Payette, Idaho Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Payette, Idaho

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,548
American Family $4,444
Farmers $3,158
GEICO $3,472
Liberty Mutual $2,420
Nationwide $3,806
State Farm $1,722
Travelers $4,692
USAA $2,595

Cheap Payette, Idaho Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Payette, Idaho

Insurance Company Poor Fair Good
Allstate $5,171 $3,513 $3,070
American Family $4,776 $3,404 $2,905
Farmers $3,426 $2,915 $2,785
GEICO $3,091 $2,469 $2,069
Liberty Mutual $3,217 $1,974 $1,565
Nationwide $3,279 $2,644 $2,315
State Farm $2,418 $1,530 $1,219
Travelers $3,539 $2,975 $2,754
USAA $2,742 $1,585 $1,273

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Cheap Payette, Idaho Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Payette, Idaho

ZIP Code Average Annual Rates
83661 $2,764

Cheap Payette, Idaho Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Payette, Idaho

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,918 $3,918
American Family $3,619 $3,771
Farmers $3,042 $3,042
GEICO $2,500 $2,586
Liberty Mutual $2,252 $2,252
Nationwide $2,746 $2,746
State Farm $1,681 $1,763
Travelers $3,089 $3,089
USAA $1,844 $1,889

Cheap Payette, Idaho Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Payette, Idaho

Insurance Company Low Medium High
Allstate $3,745 $3,909 $4,100
American Family $3,705 $3,879 $3,502
Farmers $2,880 $3,004 $3,241
GEICO $2,389 $2,538 $2,702
Liberty Mutual $2,141 $2,249 $2,367
Nationwide $2,711 $2,885 $2,643
State Farm $1,628 $1,725 $1,813
Travelers $3,035 $3,134 $3,098
USAA $1,817 $1,864 $1,920

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Best By Category: Cheapest Auto Insurance in Payette, Idaho

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

Best Annual Auto Insurance Rates by Company in Payette, Idaho

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

The Cheapest Payette, Idaho Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Payette, Idaho

Insurance Company Average Annual Rates
Allstate $3,918
American Family $3,695
Farmers $3,042
GEICO $2,543
Liberty Mutual $2,252
Nationwide $2,746
State Farm $1,722
Travelers $3,089
USAA $1,867

What affects auto insurance rates in Payette, Idaho?

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

Payette Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Payette, Idaho auto theft statistics, there have been 15 auto thefts in the city.

Payette Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Payette, Idaho commute length is 17.2 minutes according to City-Data.

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Compare Payette, Idaho Auto Insurance Quotes

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