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 Geico, followed by Auto-Owners and American Family.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,239 | $103 |
| Auto-Owners | $1,268 | $106 |
| American Family | $1,331 | $111 |
| Travelers | $1,345 | $112 |
| State Farm | $1,597 | $133 |
| Nationwide | $1,648 | $137 |
| Farmers | $1,895 | $158 |
| Allstate | $2,165 | $180 |
| USAA | $1,105 | $92 |
Average rates for high-risk drivers in Idaho by driving record
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| Auto-Owners | $799 |
| USAA | $1,020 |
| State Farm | $1,097 |
| American Family | $1,188 |
| Geico | $1,250 |
| Travelers | $1,305 |
| Nationwide | $1,564 |
| Farmers | $1,987 |
| Allstate | $2,561 |
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 | $1,188 | $99 |
| Travelers | $1,364 | $114 |
| Auto-Owners | $1,583 | $132 |
| Farmers | $1,764 | $147 |
| Nationwide | $1,994 | $166 |
| Allstate | $2,276 | $190 |
| Geico | $2,337 | $195 |
| USAA | $1,451 | $121 |
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 $842 per year or $70 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $842 | $70 |
| Auto-Owners | $933 | $78 |
| State Farm | $1,014 | $85 |
| American Family | $1,188 | $99 |
| Travelers | $1,307 | $109 |
| Nationwide | $1,488 | $124 |
| Farmers | $1,720 | $143 |
| Allstate | $1,961 | $163 |
| USAA | $878 | $73 |
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, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,014 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,014 | $85 |
| American Family | $1,188 | $99 |
| Travelers | $1,364 | $114 |
| Auto-Owners | $1,583 | $132 |
| Geico | $1,642 | $137 |
| Nationwide | $1,994 | $166 |
| Farmers | $2,168 | $181 |
| Allstate | $2,276 | $190 |
| USAA | $937 | $78 |
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 $932 or $78 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $932 | $78 |
| Travelers | $1,426 | $119 |
| Nationwide | $1,437 | $120 |
| Auto-Owners | $1,644 | $137 |
| American Family | $2,047 | $171 |
| Farmers | $2,280 | $190 |
| Allstate | $2,554 | $213 |
| State Farm | $4,511 | $376 |
| USAA | $1,608 | $134 |
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.
Helpful auto insurance tools and calculators
You might also be interested in- Traffic ticket calculator in Idaho
- SR-22 insurance in Idaho
- Best and cheapest non-owner car insurance in Idaho
- Idaho gap insurance: Everything you need to know
- Low-income car insurance in Idaho: What you need to know
- Idaho car insurance guide
- Cheapest home and auto insurance bundle in Idaho
- Best cheap car insurance in Idaho for 2024
- Best condo insurance in Idaho for 2024
- Best and cheapest renters insurance in Idaho
