Idaho DUI and insurance: How much does a DUI raise your insurance?

Does a DUI raise car insurance rates in Idaho?

With a clean driving record, car insurance in Idaho costs $1,428. However, after a DUI, the average rate rises to $2,394, which is $966 higher.

Auto insurers raise premiums significantly when they view you as a high-risk driver. If you receive multiple DUIs, average rates rise sharply to $3,751.

How much does a DUI raise your insurance in Idaho?

The most affordable insurer after a DUI is State Farm, offering average annual rates of $1,205. The second-lowest option is Travelers, which costs $552 more than State Farm. Auto-Owners provides the third-cheapest car insurance rates for drivers with a DUI.

Driving under the influence is not only dangerous but also costly. You'll deal with massive fines and higher car insurance premiums for several years. Each insurer evaluates a DUI differently and sets its own rates, so it's important to compare quotes from multiple companies.

This table displays average car insurance rates for a driver with a DUI in Idaho.

Company	Annual premium for clean records	Annual premium after a DUI	Annual premium after multiple DUIs
State Farm	$1,120	$1,205	$1,205
Travelers	$1,263	$1,757	$2,500
Auto-Owners	$916	$2,078	$4,552
Farmers	$1,606	$2,197	$2,719
Allstate	$1,945	$2,598	$3,579
Nationwide	$1,505	$3,341	$4,645
GEICO	$1,174	$3,596	$8,838
USAA	$742	$1,556	$2,030

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PEOPLE ASK:

What happens when you get a DUI in Idaho?

If you're convicted of a DUI in Idaho, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and DUI will stay on your record for life.

If someone gets a DUI in your car, does it go on your insurance?

In most situations, insurance follows the vehicle rather than the driver, so your auto insurance rates won't increase because the DUI will not show up on your driving record.

However, your rates may increase if your vehicle is involved in an accident due to a DUI. Additionally, your car can be declared a crime scene after an accident, so you won't have access to your vehicle until the police are ready.

How long does a DUI affect your insurance in Idaho?

Although a DUI may stay on your driving record permanently, it doesn't impact your insurance rates indefinitely. A DUI influences car insurance in Idaho and stays on your record for life. Your premiums should start to go down after several years of maintaining a clean driving record with no additional violations.

PEOPLE ASK:

Will I have difficulty getting car insurance after a DUI?

It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.

How much does a DUI raise insurance by age group?

Younger drivers pay more for car insurance than older, more experienced drivers because they have less time on the road. Although a DUI raises rates for any driver, a teen's insurance costs surge even higher after a conviction. The average car insurance rate for a teen with a DUI is $3,339.

These are the cheapest companies after a DUI by age:

For teens: State Farm is the cheapest at $3,339.
For young adults: State Farm offers the cheapest young adult coverage at $1,460.
For adults: State Farm, with an average rate of $1,205.
For seniors: State Farm has the most affordable average rate at $1,098.

This table shows how a DUI affects car insurance rates based on age group.

Company	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
State Farm	$3,078	$3,339	$261	8%
Travelers	$3,283	$4,742	$1,459	44%
Auto-Owners	$2,522	$6,219	$3,697	147%
Nationwide	$5,001	$6,460	$1,459	29%
GEICO	$3,575	$8,054	$4,479	125%
Allstate	$7,140	$10,155	$3,015	42%
Farmers	$7,667	$11,569	$3,902	51%
State Farm	$3,078	$3,339	$261	8%
Travelers	$3,283	$4,742	$1,459	44%
Auto-Owners	$2,522	$6,219	$3,697	147%
Nationwide	$5,001	$6,460	$1,459	29%
GEICO	$3,575	$8,054	$4,479	125%
Allstate	$7,140	$10,155	$3,015	42%
Farmers	$7,667	$11,569	$3,902	51%
USAA	$3,830	$6,883	$3,053	80%
USAA	$3,830	$6,883	$3,053	80%

How much does a DUI raise your insurance in your city?

The least expensive city in Idaho for car insurance after a DUI is Boise City, while the costliest city is Idaho Falls, with an average rate of $2,460. Your location influences your insurance costs, even without a DUI. Drivers in areas with heavier traffic or higher rates of vehicle theft typically face higher premiums because their cars are at a greater risk. A DUI then raises those already elevated rates even more.

This table lists the average car insurance rates after a DUI by city. Compare prices in major cities and rural areas to understand how your location influences your rates.

City	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
American Falls	$1,405	$2,354	$949	68%
Boise City	$1,309	$2,195	$886	68%
Caldwell	$1,417	$2,359	$942	66%
Challis	$1,424	$2,388	$964	68%
Eagle	$1,353	$2,261	$908	67%
Idaho Falls	$1,455	$2,460	$1,005	69%
Meridian	$1,306	$2,196	$890	68%
Moscow	$1,447	$2,424	$977	67%
Nampa	$1,400	$2,340	$940	67%
Pocatello	$1,455	$2,444	$989	68%
American Falls	$1,405	$2,354	$949	68%
Boise City	$1,309	$2,195	$886	68%
Caldwell	$1,417	$2,359	$942	66%
Challis	$1,424	$2,388	$964	68%
Eagle	$1,353	$2,261	$908	67%
Idaho Falls	$1,455	$2,460	$1,005	69%
Meridian	$1,306	$2,196	$890	68%
Moscow	$1,447	$2,424	$977	67%
Nampa	$1,400	$2,340	$940	67%
Pocatello	$1,455	$2,444	$989	68%

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How to get car insurance after a DUI in Idaho

Insurers will label you as a high-risk driver after a DUI, but that doesn't mean you can't get car insurance. Finding the best fit after a DUI conviction may require a little work.

If you have car insurance and get a DUI, your insurer will probably continue to offer coverage. However, your rates will increase on renewal.

If you need car insurance after a DUI or want to find the most affordable rates, take the time to compare different policies. Get quotes from several insurers to find the cheapest option in Idaho, as each company sets its own rates after a DUI.

Idaho DUI insurance requirements and penalties

A DUI in Idaho means you must meet specific high-risk driver requirements. In Idaho, this includes obtaining an SR-22. An SR-22 is a form your insurer submits to the state to verify that you carry at least the minimum car insurance required by law. While the SR-22 itself doesn't increase your rates, the offense that led to it does.

A DUI can lead to fines, license suspension, vehicle impoundment and even jail time. Multiple offenses carry even harsher penalties. You may also have to pay attorney fees, towing charges and impound costs.

The table below highlights Idaho DUI laws and the penalties for both first-time and repeat offenses.

Increased penalty for high BAC	Administrative license suspension after a first offense	Limited driving privileges during suspension	Ignition interlocks	Open container laws	Repeat offender laws
0.2	90 days	After 30 days	Mandatory for all convictions	Yes	Yes
0.2	90 days	After 30 days	Mandatory for all convictions	Yes	Yes

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*BAC is blood alcohol concentration

How long after a DUI does your insurance go down?

A DUI affects car insurance rates for at least three years, but the actual time varies. In some states like California, a DUI can affect rates for 10 years.

Idaho drivers can expect to pay higher car insurance rates after a DUI and expect it to stay on their record for life.

Tips to save money after a DUI

A DUI can cost you thousands in fines, fees, and higher car insurance premiums. Fortunately, you can still take steps to reduce your rates after a DUI.

Ways Idaho drivers can reduce car insurance costs after a DUI include:

Raising your deductible to lower your premium
Checking for discounts, such as multi-policy savings or vehicle safety feature discounts
Maintaining a clean driving record moving forward
Completing a defensive driving course
Working to improve your credit score
Comparing quotes from several insurers

Methodology

We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.

Unless otherwise indicated, 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

Additional rate data is drawn based on:

One and two DUI convictions
Ages ranging from 16 to 75

Learn more about our data and methodology.

Idaho DUI insurance: Frequently asked questions

How far back do insurance companies look for a DUI?

Depending on the state, a DUI can remain on your driving record for up to 10 years. In most cases, a DUI affects car insurance rates for only three to five years.

Will my insurance drop me after a DUI in Idaho?

Most insurers will not cancel your policy after a single DUI, but your rates will rise sharply. However, multiple DUIs may lead your insurer to deny coverage. The higher the risk you present, the harder it becomes to secure car insurance.