Chubbuck drivers pay an average of $1,280/year — $491 less than the national average. With 195 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $272/year.
(888) 217-6781Estimated full coverage auto insurance rates for Chubbuck, ID from top carriers. Rates are adjusted for Chubbuck's 195 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| Idaho Farm Bureau ⭐ | $467 | $78/mo |
| GEICO | $484 | $81/mo |
| Progressive | $545 | $91/mo |
| State Farm | $601 | $100/mo |
| Farmers | $685 | $114/mo |
Estimates based on 2026 rate filings for ZIP 83201. Idaho Farm Bureau is cheapest at ~$78/mo. Actual rates vary by driver profile and exact Chubbuck location.
These Chubbuck-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Chubbuck, ID. Takes under 2 minutes.
(888) 217-6781Chubbuck is a smaller city in Idaho with a population of 15,570. 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 Chubbuck.
For official Idaho insurance regulations, visit the Idaho Department of Insurance. For driver licensing, see the Idaho Transportation Department.
Your specific ZIP code within Chubbuck can swing your premium by hundreds of dollars. Here's how rates compare across Chubbuck neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 83207 | Chubbuck South Side | $1,186/yr | $99/mo |
| 83205 | Chubbuck North Side | $1,244/yr | $104/mo |
| 83205 | Chubbuck West Side | $1,272/yr | $106/mo |
| 83207 | Chubbuck East Side | $1,284/yr | $107/mo |
| 83201 | Chubbuck Downtown/Central | $1,360/yr | $113/mo |
The cheapest ZIP is 83207 (Chubbuck South Side) at $1,186/yr. The most expensive is 83201 (Chubbuck Downtown/Central) at $1,360/yr — a $174/year difference for the same driver.
Your Chubbuck ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Chubbuck. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $2,688/yr | $224/mo | +110% vs avg |
| Young Adult (20-25) | $1,792/yr | $149/mo | +40% vs avg |
| Adult (26-35) | $1,280/yr | $107/mo | 0% vs avg |
| Mid-Career (36-50) | $1,126/yr | $94/mo | -12% vs avg |
| Senior (51-65) | $1,062/yr | $89/mo | -17% vs avg |
| 65+ | $1,139/yr | $95/mo | -11% vs avg |
Teens in Chubbuck pay an average of $2,688/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,062/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.
Chubbuck drivers can save up to $272/year. ZIP 83207 (Chubbuck South Side) has the lowest rates starting at $1,186/yr.
(888) 217-6781Free quote · No obligation · Licensed agents · Under 2 minutes