Go To Top

The cost of car insurance varies depending on your age, marital status, mileage, driving history, and more.

Most insurance companies offer a cheaper price to drivers with good records. But if you have been cited or have tickets on your record, then your insurance premiums will likely go up.

However, comparison shopping can help you save money on your car insurance premiums. Our research for drivers with a clean record can help you save on car insurance. But if you have a bad driving record, then you'll have to pay more for car insurance.

Worry not! We are here to help. Our team of experts has analyzed hundreds of companies to find the cheapest rates available for drivers with less than perfect records.

Cheapest car insurance for high-risk drivers in Idaho with an at-fault accident

Auto-Owners offers the cheapest car insurance rates for drivers with an accident record. With an average annual rate of $799 per year after the accident, Auto-Owners rates are 44.40% cheaper than the Idaho state average (rates after the accident) and $2,288 Less than the national average of $3,087 (rates after the accident).

However, you can save on your insurance by comparing price quotes from multiple insurers.

CompanyAvg Annual Premium
Auto-Owners$799
State Farm$1,097
American Family$1,188
Geico$1,250
Travelers$1,271
Nationwide$1,342
Farmers$1,987

Auto insurance for high-risk drivers in Idaho with a DUI

State Farm offers the cheapest car insurance for high-risk drivers with a DUI in Idaho. It costs $1,014 a year on average for a full coverage policy after a DUI. If you get pulled over for driving under the influence, your car insurance rates will likely skyrocket. Having a DUI on your driving record can make it difficult to get car insurance because auto insurers often designate drivers who have been convicted of DUI as high-risk. The cost of auto insurance can vary widely after a DUI, depending on your state and the insurer. Based on our rate data analysis, we have put together a list of the companies that offer cheap car insurance for drivers with a DUI in Idaho.

CompanyAvg Annual Premium
State Farm$1,014
American Family$1,198
Travelers$1,649
Farmers$2,050
Nationwide$2,381
Auto-Owners$2,523
Allstate$2,713

Car insurance rates for high-risk drivers in Idaho with speeding tickets

The cheapest insurance carrier for drivers with speeding tickets on their record is Geico. It offers full coverage insurance to Idaho drivers for $856 per year or $71 monthly. If you get a speeding ticket, your car insurance company will likely raise your rates when it comes time to renew your policy. But comparison shopping can help you trim your insurance cost overall.

CompanyAvg Annual Premium
Geico$856
Auto-Owners$933
State Farm$1,014
American Family$1,195
Nationwide$1,304
Travelers$1,320
Farmers$1,876

Idaho car insurance rates for high-risk drivers with poor credit

Geico is the cheapest insurance company for high-risk drivers with poor credit. On average, the cost $932 per year for a full coverage policy in Idaho. Insurers use your credit score as one factor when deciding how much to charge for coverage. If you're paying too high because of this, switching companies could save money in the long run.

CompanyAvg Annual Premium
Geico$932
Travelers$1,426
Nationwide$1,437
Auto-Owners$1,644
American Family$2,047
Farmers$2,280
Allstate$2,554

Who has the cheapest car insurance for high-risk drivers in Idaho with SR22?

The cheapest auto insurance for high-risk drivers in Idaho with an SR-22 is Travelers with an average annual cost of $1,135 or $95 per month.

If you have a DUI or DWI conviction on your driving record, you might need your insurance company to file an SR-22 form with the state DMV in your name. SR-22 is a guarantee from a car insurance company to the state that you have the legally mandated coverage.

CompanyAvg Annual Premium
Travelers$1,135
State Farm$1,147
Auto-Owners$1,334
American Family$1,344
Nationwide$1,462
Geico$1,574
Farmers$1,917