Cheap Car Insurance for Bad Credit Drivers in Idaho:
Costs and Quotes (2021)
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- Car Insurance in Idaho
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Cheapest Companies for Drivers With Bad Credit in Idaho (2021)
For drivers with bad credit in Idaho, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Idaho. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Idaho.
| Carrier | |
|---|---|
 Travelers | $83/mo |
 Dairyland Insurance | $106/mo |
 Safeco Insurance | $122/mo |
 Liberty Mutual | $137/mo |
 American Family Insurance | $155/mo |
 The General | $160/mo |
 Midvale Home & Auto | $160/mo |
 Nationwide | $169/mo |
Bad Credit Car Insurance in Idaho
Millions of Americans either currently face or have faced credit issues in the past. Having bad credit may make you wonder how it can impact your auto insurance rates, especially in Idaho. The good news is that Idaho tends to be one of the more forgiving states when it comes to the effects of bad credit on car insurance rates.
In fact, on average there is only an $8 difference in coverage between someone with poor credit and someone with good credit. A factor that has a bigger impact on insurance rates in Idaho tends to be where you live.
Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does Bad Credit Impact Car Insurance Rates in Idaho?
While bad credit will impact what you pay for car insurance in Idaho, it isn't nearly as bad as in other states. Currently, the difference between drivers with good credit and bad credit is six percent. Annually that equates to less than $100 extra in payments.
Compared to other states where drivers with bad credit can pay more than $1,000 extra per year, Idaho is on the lower end. This makes sense since their average auto insurance rates are in the low to mid $100 range per month.
Can I Get Car Insurance With No Credit Check in Idaho?
There are ways to get car insurance without a credit check in Idaho, but the quotes you receive may be even higher than if you applied with a credit check and bad credit. Most providers that offer no-credit-check options charge larger premiums to offset the additional risk they are taking on.
One thing drivers with bad credit scores can try is to shop around. Idaho has many insurance carriers that will offer competitive rates, even if you have a less-than-stellar credit history.
Idaho Car Insurance Rates by Credit Tier
One factor that does affect what you pay for car insurance in Idaho is the credit tier that you are placed into. If you are on the higher end and find yourself in the excellent tier, you can expect to pay $121 per month for coverage. For drivers in the poor credit tier, the average can be as high as $147.
| Credit Tier | |
|---|---|
| Excellent | $121 |
| Good | $135 |
| Average | $136 |
| Poor | $147 |
Car Insurance Rates With Bad Credit in Idaho Cities
While in some states location has a big impact on how bad credit affects your rates, that doesn't seem to be the case in Idaho. For instance, the difference between Twin Falls, at $124 per month, and Nampa, at $153 per month, is only $29.
| City | Credit Tier | |
|---|---|---|
| Boise | Poor | $141 |
| Nampa | Poor | $153 |
| Caldwell | Poor | $137 |
| Idaho Falls | Poor | $125 |
| Pocatello | Poor | $148 |
| Twin Falls | Poor | $124 |
Tips for Researching Bad Credit Idaho Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a state like Idaho draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.
Insurify Rate Comparison Methodology
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
