- Cheapest car insurance in Idaho for a bad driving record
- How much is high-risk car insurance in Idaho?
- Cheapest car insurance in Idaho with a DUI
- Cheapest car insurance in Idaho with multiple tickets
- Cheapest car insurance in Idaho with a reckless driving conviction
- Cheapest car insurance in Idaho with bad credit
- Cheapest car insurance after an accident in Idaho
- Cheapest car insurance in Idaho by city
- How to reduce car insurance rates in Idaho for a bad driving record
- Idaho car insurance laws for high-risk drivers
- Methodology
- Compare Idaho high-risk driver car insurance rates with other states
Cheapest car insurance in Idaho for a bad driving record
Drivers with a poor record in Idaho will find the lowest rates from State Farm, Travelers and Auto-Owners. Among these, State Farm provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $1,374 annually.
If you have accidents, DUIs or traffic tickets on your driving record, youâ??ll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| State Farm | $1,120 | $1,374 |
| Travelers | $1,263 | $1,742 |
| Auto-Owners | $916 | $1,811 |
| GEICO | $1,174 | $1,911 |
| Farmers | $1,606 | $2,174 |
| Allstate | $1,945 | $2,468 |
| Nationwide | $1,505 | $2,761 |
| USAA | $742 | $1,203 |
How much is high-risk car insurance in Idaho?
In Idaho, the average cost of high-risk car insurance is $2,081 per year. However, you may secure coverage from State Farm for as low as $1,374 annually. Even with a problematic driving record or poor credit score, affordable policies are available.
Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets or getting one for speeding in a school zone will boost your rates more than a single basic speeding ticket.
Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| USAA | $742 | $1,087 |
| State Farm | $1,120 | $1,305 |
| Auto-Owners | $916 | $1,360 |
| Travelers | $1,263 | $1,684 |
| GEICO | $1,174 | $1,926 |
| Nationwide | $1,505 | $2,616 |
| Farmers | $1,606 | $3,028 |
| Allstate | $1,945 | $3,097 |
PEOPLE ASK:
Who is considered high-risk for insurance in Idaho?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
Cheapest car insurance in Idaho with a DUI
While many insurers offer coverage after a DUI, State Farm has the lowest rate at $1,205 a year.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. a DUI in Idaho.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| State Farm | $1,120 | $1,205 |
| Travelers | $1,263 | $1,757 |
| Auto-Owners | $916 | $2,078 |
| Farmers | $1,606 | $2,197 |
| Allstate | $1,945 | $2,598 |
| Nationwide | $1,505 | $3,341 |
| GEICO | $1,174 | $3,596 |
| USAA | $742 | $1,556 |
Cheapest car insurance in Idaho with multiple tickets
The cheapest insurer for drivers with multiple tickets is State Farm, with rates averaging $1,205 annually or $100 monthly.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.
This table shows Idaho drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| State Farm | $1,120 | $1,205 |
| GEICO | $1,174 | $1,301 |
| Auto-Owners | $916 | $1,376 |
| Travelers | $1,263 | $1,684 |
| Farmers | $1,606 | $2,054 |
| Allstate | $1,945 | $2,245 |
| Nationwide | $1,505 | $2,490 |
| USAA | $742 | $938 |
Cheapest car insurance in Idaho with a reckless driving conviction
State Farm offers the most affordable rates for drivers with reckless driving convictions, averaging $1,205 per year.
Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.
The table below compares car insurance premiums for drivers with a clean record and those with a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| State Farm | $1,120 | $1,205 |
| Travelers | $1,263 | $1,757 |
| Auto-Owners | $916 | $2,078 |
| Farmers | $1,606 | $2,307 |
| GEICO | $1,174 | $2,527 |
| Allstate | $1,945 | $2,598 |
| Nationwide | $1,505 | $3,341 |
| USAA | $742 | $1,113 |
Cheapest car insurance in Idaho with bad credit
In Idaho, GEICO provides the lowest premiums for drivers with poor credit, averaging $1,440 per year or $120 per month. Even with a low credit score, you can still find affordable auto insurance.
While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.
Check the table below to see how credit scores impact car insurance costs in Idaho.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| GEICO | $1,174 | $1,440 |
| Travelers | $1,263 | $1,885 |
| Auto-Owners | $916 | $2,148 |
| State Farm | $1,120 | $2,211 |
| Farmers | $1,606 | $2,378 |
| Nationwide | $1,505 | $2,420 |
| Allstate | $1,945 | $2,870 |
| USAA | $742 | $1,734 |
Cheapest car insurance after an accident in Idaho
State Farm offers the lowest rates after an accident, averaging $1,305 per year. Auto-Owners is another budget-friendly option, with rates around $1,360 a year.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| State Farm | $1,120 | $1,305 | $1,305 |
| Auto-Owners | $916 | $1,360 | $1,632 |
| Travelers | $1,263 | $1,641 | $2,106 |
| GEICO | $1,174 | $1,926 | $2,657 |
| Nationwide | $1,505 | $2,616 | $3,529 |
| Farmers | $1,606 | $2,787 | $3,967 |
| Allstate | $1,945 | $3,097 | $3,951 |
| USAA | $742 | $1,087 | $1,752 |
Cheapest car insurance in Idaho by city
Boise City has the cheapest car insurance rates in Idaho at $1,908 per year. But the most expensive city is Idaho Falls with rates of $2,126 per year.
Your location in Idaho also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Boise City | $1,309 | $1,908 |
| Meridian | $1,306 | $1,910 |
| Eagle | $1,353 | $1,970 |
| American Falls | $1,405 | $2,043 |
| Nampa | $1,400 | $2,045 |
| Caldwell | $1,417 | $2,063 |
| Challis | $1,424 | $2,070 |
| Moscow | $1,447 | $2,108 |
| Pocatello | $1,455 | $2,119 |
| Idaho Falls | $1,455 | $2,126 |
How to reduce car insurance rates in Idaho for a bad driving record
Finding affordable car insurance in Idaho is possible, even with a bad driving record. Ways to lower car insurance rates include:
Where you live in Idaho also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Idaho?
Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Idaho car insurance laws for high-risk drivers
If you're a high-risk driver in Idaho, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.
An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
- Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
Compare Idaho high-risk driver car insurance rates with other states
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