Why you should trust Insurance.com
Insurance.com is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. Insurance.com maintains editorial integrity through strict independence from insurance companies.

Car insurance companies charge more to insure drivers who are at a higher risk of filing a claim. The most common red flags for insurers are serious driving violations like reckless driving or a DUI, multiple tickets or accidents and even bad credit.

The average rate for high-risk car insurance in Idaho is $1,365. High-risk drivers in Idaho can expect to pay between $1,369 and $2,622 for car insurance depending on the reason for the rate increase.

The cheapest insurance in Idaho for high-risk drivers is, on average, American Family, however, it will vary based on your exact situation.

If you’re a high-risk driver, finding cheap car insurance in Idaho will be more of a challenge. We’ve compared auto insurance rates for high-risk drivers from top companies to help you save.

Key takeaways

  • The average cost of high-risk car insurance in Idaho is $1,365, but it varies depending on what’s on your record.
  • The average car insurance rate for a driver with a DUI in Idaho is $1,014, while a driver with a reckless driving conviction pays $945 on average.
  • Bad credit can also land you in the high-risk category, with an average rate of $981 in Idaho.

Cheapest car insurance for high-risk drivers in Idaho

Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Idaho is American Family, followed by USAA and Travelers.

CompanyAvg Annual PremiumAvg Monthly Premium
American Family$1,365$114
USAA$1,435$120
Travelers$1,557$130
State Farm$1,611$134
Auto-Owners$1,761$147
Nationwide$1,959$163
Farmers$2,147$179
Geico$2,262$188
Allstate$2,580$215

Average rates for high-risk drivers in Idaho by driving record

Average cost of car insurance in Idaho for high-risk driver

Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.

Average annual car insurance rate for ... in ... is ...
Show Graph View
Company nameAverage annual premium

Cheapest car insurance with a DUI

A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Idaho for a driver with a DUI is State Farm with an average annual of $1,014 a year.

CompanyAvg Annual PremiumAvg Monthly Premium
State Farm$1,014$85
American Family$1,210$101
Travelers$1,398$117
USAA$1,463$122
Auto-Owners$1,583$132
Farmers$1,715$143
Nationwide$1,996$166
Allstate$2,270$189
Geico$2,386$199

Cheapest car insurance with multiple tickets

While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Idaho, the cheapest car insurance with multiple tickets is from Geico. It offers full coverage insurance at $932 per year or $78 monthly.

CompanyAvg Annual PremiumAvg Monthly Premium
Geico$932$78
State Farm$1,014$85
USAA$1,024$85
Auto-Owners$1,050$88
American Family$1,231$103
Travelers$1,439$120
Nationwide$1,443$120
Allstate$2,050$171
Farmers$2,140$178

Cheapest car insurance with a reckless driving conviction

Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Idaho, USAA offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $945 a year.

CompanyAvg Annual PremiumAvg Monthly Premium
USAA$945$79
State Farm$1,014$85
American Family$1,210$101
Travelers$1,398$117
Auto-Owners$1,583$132
Geico$1,686$140
Nationwide$1,996$166
Farmers$2,119$177
Allstate$2,270$189

Cheapest car insurance with bad credit

Although it’s not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Idaho is Geico with an average annual cost of $981 or $82 per month.

CompanyAvg Annual PremiumAvg Monthly Premium
Geico$981$82
Nationwide$1,440$120
Travelers$1,459$122
USAA$1,625$135
Auto-Owners$1,644$137
American Family$2,082$174
Farmers$2,188$182
Allstate$2,552$213
State Farm$4,511$376

Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.

Tip icon You might also be interested in

Helpful Auto Insurance Articles & Guides