Star drivers pay an average of $1,263/year — $508 less than the national average. With 121 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $255/year.
(888) 217-6781Estimated full coverage auto insurance rates for Star, ID from top carriers. Rates are adjusted for Star's 121 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| Idaho Farm Bureau ⭐ | $461 | $77/mo |
| GEICO | $478 | $80/mo |
| Progressive | $538 | $90/mo |
| State Farm | $593 | $99/mo |
| Farmers | $675 | $113/mo |
Estimates based on 2026 rate filings for ZIP 83669. Idaho Farm Bureau is cheapest at ~$77/mo. Actual rates vary by driver profile and exact Star location.
These Star-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Star, ID. Takes under 2 minutes.
(888) 217-6781Star is a smaller city in Idaho with a population of 11,117. 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 Star.
For official Idaho insurance regulations, visit the Idaho Department of Insurance. For driver licensing, see the Idaho Transportation Department.
Your specific ZIP code within Star can swing your premium by hundreds of dollars. Here's how rates compare across Star neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 83684 | Star South Side | $1,184/yr | $99/mo |
| 83672 | Star North Side | $1,241/yr | $103/mo |
| 83673 | Star West Side | $1,261/yr | $105/mo |
| 83677 | Star East Side | $1,273/yr | $106/mo |
| 83669 | Star Downtown/Central | $1,382/yr | $115/mo |
The cheapest ZIP is 83684 (Star South Side) at $1,184/yr. The most expensive is 83669 (Star Downtown/Central) at $1,382/yr — a $198/year difference for the same driver.
Your Star ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Star. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $2,652/yr | $221/mo | +110% vs avg |
| Young Adult (20-25) | $1,768/yr | $147/mo | +40% vs avg |
| Adult (26-35) | $1,263/yr | $105/mo | 0% vs avg |
| Mid-Career (36-50) | $1,111/yr | $93/mo | -12% vs avg |
| Senior (51-65) | $1,048/yr | $87/mo | -17% vs avg |
| 65+ | $1,124/yr | $94/mo | -11% vs avg |
Teens in Star pay an average of $2,652/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,048/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.
Star drivers can save up to $255/year. ZIP 83684 (Star South Side) has the lowest rates starting at $1,184/yr.
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