Cheapest car insurance for high-risk drivers in Idaho

Which company has the 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, you'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

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How much is high-risk car insurance in Idaho?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Idaho, high-risk car insurance costs $2,081 per year. However, you can get rates as low as $1,374 annually from State Farm.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in Idaho, ID is $2,324

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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

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Average annual rate

PEOPLE ASK:

Who is considered a high-risk driver 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.

What company offers the cheapest car insurance in Idaho after 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

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What is the cheapest car insurance in Idaho with multiple tickets?

State Farm is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $1,205 a year or $100 a month.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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

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Key insight

Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

Which company offers the cheapest insurance for reckless driving in Idaho?

State Farm offers the cheapest rates for drivers with reckless driving convictions at $1,205 per year.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.

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

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Key insight

A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Company has the cheapest car insurance for drivers with bad credit in Idaho?

The cheapest Idaho insurer for bad credit is GEICO, with rates averaging $1,440 annually or $120 monthly. Fortunately, drivers with bad credit can still find affordable auto insurance.

Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistically, drivers with a low credit score fit that description.

Check out the table below to see how your credit score affects Idaho car insurance.

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

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What company has the cheapest car insurance in Idaho after an accident?

State Farm has the lowest rates after an accident at $1,305 a year. Auto-Owners also has affordable rates at $1,360 a year.

Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.

This table compares rates for drivers with a clean driving 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

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Key insight

Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Idaho?

In Idaho, the lowest car insurance rates are found in Boise City, averaging $1,908 annually. On the other hand, Idaho Falls has the highest rates at $2,126 a year.

Where you live in Idaho matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood 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

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How can high-risk drivers lower their car insurance rates in Idaho?

Finding affordable car insurance in Idaho is possible, even with a bad driving record. Ways to lower car insurance rates include:

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's car insurance laws for high-risk drivers

If you're considered a high-risk driver in Idaho, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.

Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.

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: