Cheapest car insurance for high-risk drivers in Idaho

Cheapest car insurance in Idaho for a bad driving record

State Farm, Travelers, Auto-Owners provides affordable car insurance for high-risk drivers with bad driving record in Idaho.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning youll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

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.

Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.

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 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

Although many insurance companies provide coverage after a DUI, State Farm offers the most affordable rate at $1,205 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in Idaho for drivers with a clean record versus those with a DUI.

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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Cheapest car insurance in Idaho with multiple tickets

For drivers with multiple tickets, State Farm offers the lowest premiums, averaging $1,205 per year or $100 per month.

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.

This table shows drivers in Idaho how much having multiple tickets can raise their insurance 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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Cheapest car insurance in Idaho with a reckless driving conviction

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

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers 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

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Cheapest car insurance in Idaho with bad credit

The cheapest Idaho insurer for bad credit is GEICO, with rates averaging $1,440 per year or $120 per month. The good news is that drivers with bad credit can still get affordable auto insurance.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing 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 statistics show that drivers with lower credit scores are in this category.

Check 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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Cheapest car insurance after an accident in Idaho

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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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

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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 may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.

An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies 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++.