Cheapest car insurance for high-risk drivers in Idaho

Which company has the cheapest car insurance in Idaho for a bad driving record?

State Farm, Travelers and Auto-Owners offer some of the cheapest rates for drivers with poor driving records in Idaho. Among them, State Farm has the lowest average premium at $1,374 annually.

If you have accidents, tickets or a DUI on your record, insurance companies will charge higher rates. Serious violations may affect your premiums for years, especially if you have multiple offenses.

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

Read our methodology

How much is high-risk car insurance in Idaho?

The average cost of high-risk car insurance in Idaho is $2,081 annually. However, some insurers offer rates far below the state average, with premiums starting around $1,374 per year.

Not every high-risk factor affects premiums equally. A single speeding ticket may cause only a moderate increase, while multiple violations, at-fault accidents or poor credit can raise rates substantially.

Average annual car insurance rate for At-fault bodily injury accident in Idaho, ID is $2,324

Show Graph View

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

Read our methodology

Average annual rate

People ask

Who is considered a high-risk driver 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.

What company offers the cheapest car insurance in Idaho after a DUI?

State Farm has the cheapest average DUI insurance rates in Idaho at $1,205 annually.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade, in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. 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

Read our methodology

What is the cheapest car insurance in Idaho with multiple tickets?

State Farm offers the lowest average rates for drivers with multiple traffic tickets at $1,205 annually or $100 monthly.

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

Read our methodology

Expert's Insight Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

Which company offers the cheapest insurance for reckless driving in Idaho?

State Farm provides the cheapest average reckless driving insurance rates in Idaho at $1,205 per 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

Read our methodology

Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Idaho?

GEICO offers the lowest average car insurance rates in Idaho for drivers with bad credit, at $1,440 per year or $120 per month. Even with bad credit, drivers can still find affordable auto insurance coverage.

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

Read our methodology

What company has the cheapest car insurance in Idaho after an accident?

State Farm offers the cheapest average post-accident rates in Idaho at $1,305 annually. Auto-Owners also provides relatively affordable rates at $1,360 per year.

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

Read our methodology

Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Idaho?

Boise City has the cheapest average high-risk car insurance rates in Idaho at $1,908 per year. In comparison, drivers in Idaho Falls pay the highest average rates at $2,126 annually.

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

Read our methodology

How can high-risk drivers lower their car insurance rates in Idaho?

High-risk drivers in Idaho can reduce insurance costs by comparing quotes and avoiding additional violations. Many insurers reward safer driving habits over time with lower premiums.

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.
Take a defensive driving course. Many insurance companies offer a discount for completing the class, and some states remove driver's license points for successfully completing it.
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 Idaho 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.

What are Idaho's insurance requirements for high-risk drivers?

If you're considered a high-risk driver in Idaho, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.

An SR-22 is not an insurance policy and doesn't require special coverage, but rates are much higher for high-risk drivers, and not all carriers insure such drivers.

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:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Idaho

Can high-risk drivers get full coverage car insurance in Idaho?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Idaho?

Not directly. It's the reason you need an SR-22 that will cause the rate increase. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.