Ammon drivers pay an average of $1,227/year — $544 less than the national average. With 193 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $219/year.
(888) 217-6781Estimated full coverage auto insurance rates for Ammon, ID from top carriers. Rates are adjusted for Ammon's 193 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| Idaho Farm Bureau ⭐ | $448 | $75/mo |
| GEICO | $464 | $77/mo |
| Progressive | $523 | $87/mo |
| State Farm | $576 | $96/mo |
| Farmers | $656 | $109/mo |
Estimates based on 2026 rate filings for ZIP 83406. Idaho Farm Bureau is cheapest at ~$75/mo. Actual rates vary by driver profile and exact Ammon location.
These Ammon-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Ammon, ID. Takes under 2 minutes.
(888) 217-6781Ammon is a smaller city in Idaho with a population of 17,694. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as snow, ice, wildlife crossings, wildfire smoke, mountain roads, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Ammon.
For official Idaho insurance regulations, visit the Idaho Department of Insurance. For driver licensing, see the Idaho Transportation Department.
Your specific ZIP code within Ammon can swing your premium by hundreds of dollars. Here's how rates compare across Ammon neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 83409 | Ammon South Side | $1,137/yr | $95/mo |
| 83410 | Ammon North Side | $1,175/yr | $98/mo |
| 83414 | Ammon West Side | $1,193/yr | $99/mo |
| 83416 | Ammon East Side | $1,253/yr | $104/mo |
| 83406 | Ammon Downtown/Central | $1,316/yr | $110/mo |
The cheapest ZIP is 83409 (Ammon South Side) at $1,137/yr. The most expensive is 83406 (Ammon Downtown/Central) at $1,316/yr — a $179/year difference for the same driver.
Your Ammon ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Ammon. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $2,577/yr | $215/mo | +110% vs avg |
| Young Adult (20-25) | $1,718/yr | $143/mo | +40% vs avg |
| Adult (26-35) | $1,227/yr | $102/mo | 0% vs avg |
| Mid-Career (36-50) | $1,080/yr | $90/mo | -12% vs avg |
| Senior (51-65) | $1,018/yr | $85/mo | -17% vs avg |
| 65+ | $1,092/yr | $91/mo | -11% vs avg |
Teens in Ammon pay an average of $2,577/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,018/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Idaho cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Ammon drivers can save up to $219/year. ZIP 83409 (Ammon South Side) has the lowest rates starting at $1,137/yr.
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