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.
| Company | Avg Annual Premium | Avg 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.
| Company name | Average 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.
| Company | Avg Annual Premium | Avg 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.
| Company | Avg Annual Premium | Avg 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.
| Company | Avg Annual Premium | Avg 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.
| Company | Avg Annual Premium | Avg 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 |
Methodology
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.
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