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Idaho Car Insurance for Bad Credit Drivers
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Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Companies for Drivers With Bad Credit in Idaho (2022)
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 | Avg. Monthly Cost |
|---|---|
| Travelers | $83 |
| Dairyland Insurance | $106 |
| Safeco Insurance | $122 |
| Liberty Mutual | $137 |
| American Family Insurance | $155 |
| The General | $160 |
| Midvale Home & Auto | $160 |
| Nationwide | $169 |
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.
Idaho Car Insurance Rates for Bad Credit Drivers
Excellent$121
Good$135
Average$136
Poor$147
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.
Avg. Monthly Cost - for Drivers with Good Credit$138
Avg. Monthly Cost - for Drivers with Bad Credit$146
$8 ▴
5.80% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates
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 | Avg. Monthly Cost |
|---|---|
| Excellent | $121 |
| Good | $135 |
| Average | $136 |
| Poor | $147 |
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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 | Avg. Monthly Cost |
|---|---|---|
| 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. See All Auto Insurance Companies
FAQs - Idaho Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Idaho. Insurify analyzed the latest data for the five most populous cities in Idaho to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Idaho and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
Doug Shaffer works as a content writer. He has had the opportunity to write for several national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. He enjoys being able to break down complex insurance jargon to allow consumers to fully understand their policies.