Best Cheap Auto Insurance in Spencer, ID (2021)

The average Spencer, ID auto insurance rates are $244 per month. The minimum auto insurance in Spencer is at least 25/50/15 in coverage to comply with Idaho auto insurance laws. To find the best cheap auto insurance in Spencer, Idaho, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • Average auto insurance rates in Spencer, ID for senior drivers are $1,555 per year
  • The cheapest auto insurance company in Spencer is USAA
  • The most expensive auto insurance company in Spencer for teen drivers is Allstate

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

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

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

Minimum Auto Insurance in Spencer, Idaho

Spencer, 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 Spencer, Idaho.

Minimum Required Auto Insurance Coverage in Spencer, 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

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

Auto insurance rates in Spencer, 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 Spencer, 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 $2,449 $2,433 $2,134 $2,214 $9,098 $10,515 $2,728 $2,875
American Family $2,088 $2,088 $1,859 $1,859 $7,355 $9,596 $2,088 $2,629
Farmers $1,616 $1,607 $1,426 $1,507 $7,794 $8,074 $1,862 $1,966
GEICO $2,016 $1,991 $1,919 $1,863 $4,278 $5,328 $2,718 $2,106
Liberty Mutual $1,508 $1,627 $1,215 $1,358 $4,956 $5,517 $1,602 $1,696
Nationwide $1,975 $2,021 $1,780 $1,890 $4,898 $6,036 $2,317 $2,497
State Farm $1,182 $1,182 $1,062 $1,062 $3,470 $4,385 $1,332 $1,531
Travelers $1,358 $1,380 $1,362 $1,356 $6,645 $10,490 $1,443 $1,659
USAA $1,100 $1,103 $1,070 $1,059 $3,565 $3,999 $1,458 $1,579

Cheap Spencer, Idaho Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Spencer, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,098 $10,515
American Family $7,355 $9,596
Farmers $7,794 $8,074
GEICO $4,278 $5,328
Liberty Mutual $4,956 $5,517
Nationwide $4,898 $6,036
State Farm $3,470 $4,385
Travelers $6,645 $10,490
USAA $3,565 $3,999

Cheap Spencer, Idaho Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Spencer, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,134 $2,214
American Family $1,859 $1,859
Farmers $1,426 $1,507
GEICO $1,919 $1,863
Liberty Mutual $1,215 $1,358
Nationwide $1,780 $1,890
State Farm $1,062 $1,062
Travelers $1,362 $1,356
USAA $1,070 $1,059

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

Annual Spencer, Idaho Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,548 $4,471 $4,992 $4,212
American Family $2,917 $4,122 $4,444 $3,299
Farmers $2,822 $3,571 $3,347 $3,188
GEICO $1,704 $2,720 $3,808 $2,879
Liberty Mutual $2,022 $2,535 $2,611 $2,571
Nationwide $2,233 $2,903 $4,061 $2,511
State Farm $1,737 $2,064 $1,901 $1,901
Travelers $1,988 $2,822 $4,884 $3,152
USAA $1,341 $1,908 $2,595 $1,623

Cheap Spencer, Idaho Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Spencer, Idaho

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,992
American Family $4,444
Farmers $3,347
GEICO $3,808
Liberty Mutual $2,611
Nationwide $4,061
State Farm $1,901
Travelers $4,884
USAA $2,595

Cheap Spencer, Idaho Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Spencer, Idaho

Insurance Company Poor Fair Good
Allstate $5,693 $3,857 $3,368
American Family $4,776 $3,404 $2,905
Farmers $3,645 $3,093 $2,956
GEICO $3,377 $2,696 $2,260
Liberty Mutual $3,475 $2,138 $1,692
Nationwide $3,494 $2,818 $2,468
State Farm $2,670 $1,688 $1,344
Travelers $3,678 $3,093 $2,863
USAA $2,742 $1,585 $1,273

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Spencer, Idaho Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Spencer, Idaho

ZIP Code Average Annual Rates
83446 $2,928

Cheap Spencer, Idaho Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Spencer, Idaho

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,306 $4,306
American Family $3,619 $3,771
Farmers $3,232 $3,232
GEICO $2,730 $2,825
Liberty Mutual $2,435 $2,435
Nationwide $2,927 $2,927
State Farm $1,855 $1,947
Travelers $3,212 $3,212
USAA $1,844 $1,889

Cheap Spencer, Idaho Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Spencer, Idaho

Insurance Company Low Medium High
Allstate $4,123 $4,297 $4,498
American Family $3,705 $3,879 $3,502
Farmers $3,076 $3,195 $3,424
GEICO $2,640 $2,773 $2,920
Liberty Mutual $2,297 $2,431 $2,576
Nationwide $2,884 $3,077 $2,819
State Farm $1,793 $1,905 $2,004
Travelers $3,168 $3,259 $3,208
USAA $1,817 $1,864 $1,920

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Spencer, Idaho

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

Best Annual Auto Insurance Rates by Company in Spencer, Idaho

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

The Cheapest Spencer, Idaho Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Spencer, Idaho

Insurance Company Average Annual Rates
Allstate $4,306
American Family $3,695
Farmers $3,232
GEICO $2,778
Liberty Mutual $2,435
Nationwide $2,927
State Farm $1,901
Travelers $3,212
USAA $1,867

Compare Spencer, Idaho Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption