Best Payette, Idaho Auto Insurance in 2024
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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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Oct 15, 2024
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.
UPDATED: Oct 15, 2024
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.
On This Page
- 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.
Frequently Asked Questions
Is auto insurance mandatory in Payette, ID?
Yes, auto insurance is mandatory in Payette, ID, as it is in most states. The Idaho Department of Insurance requires all drivers to carry a minimum amount of liability insurance to legally operate a vehicle. Failure to maintain the required coverage may result in penalties and fines.
What types of auto insurance coverage are available?
There are several types of auto insurance coverage available, including:
- Liability Coverage: This coverage helps pay for injuries or property damage to others if you are responsible for an accident.
- Collision Coverage: This coverage pays for damage to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This coverage helps protect against non-collision-related damage to your vehicle, such as theft, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist Coverage: This coverage helps protect you if you are involved in an accident with a driver who has no insurance or insufficient coverage.
- Personal Injury Protection (PIP): This coverage pays for medical expenses and other related costs for you and your passengers, regardless of fault.
How much auto insurance coverage do I need in Payette, ID?
The minimum auto insurance requirements in Payette, ID are as follows:
- $25,000 per person bodily injury liability
- $50,000 per accident bodily injury liability
- $15,000 property damage liability
How are auto insurance premiums calculated?
Auto insurance premiums are calculated based on various factors, including:
- Your driving record and claims history
- Age, gender, and marital status
- Vehicle make, model, and year
- Location of residence
- Annual mileage
- Coverage limits and deductibles
Can I get discounts on my auto insurance policy?
Yes, many insurance companies offer various discounts that can help lower your auto insurance premium. Some common discounts include:
- Good driver discount
- Multi-policy discount (for bundling auto and home insurance, for example)
- Good student discount
- Safety features discount (for vehicles equipped with anti-lock brakes, airbags, etc.)
- Anti-theft device discount
Can I insure a leased or financed vehicle in Payette, ID?
Yes, you can insure a leased or financed vehicle in Payette, ID. In fact, most lease or finance agreements require the lessee or borrower to carry comprehensive and collision coverage. This is to protect the leasing company or lender’s interest in the vehicle. Contact your insurance provider to ensure you have the appropriate coverage for your leased or financed vehicle.
Can I use my personal auto insurance for business purposes in Payette, ID?
It depends on the nature and extent of your business use. Personal auto insurance policies generally exclude coverage for commercial activities. If you frequently use your vehicle for business purposes, such as transporting goods or providing services, you may need a separate commercial auto insurance policy. It’s best to discuss your specific situation with your insurance provider to ensure you have the appropriate coverage.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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.