- 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
Cheapest car insurance in Idaho for a bad driving record
If you have a poor driving record in Idaho, State Farm, Travelers, Auto-Owners are the cheapest options. State Farm has the lowest annual rate at $1,374.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay 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?
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. However, you can get rates as low as $1,374 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.
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 |
Cheapest car insurance in Idaho with a DUI
While many insurers offer coverage after a DUI, State Farm provides the average cheapest coverage for $1,205.
A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you’ll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.
The table below compares average car insurance rates with a clean driving record and rates after 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 or $100.
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 has the cheapest rates for drivers with reckless driving convictions at $1,205.
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 |
Cheapest car insurance in Idaho with bad credit
The cheapest Idaho insurer for bad credit is Geico, with rates averaging $1,440 or $120. 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 |
Cheapest car insurance after an accident in Idaho
State Farm has the lowest rates after an accident at $1,305. Auto-Owners also has affordable rates at $1,360.
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, averaging $1,908. However, the most expensive city is Idaho Falls, with average insurance rates of $2,126.
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.
| 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:
- 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.
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.
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