Advertiser Disclosure


At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.

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.

CarrierAvg. Monthly Cost
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.
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

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 TierAvg. Monthly Cost
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.
Excellent$121
Good$135
Average$136
Poor$147

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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.

CityCredit TierAvg. Monthly Cost
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.
BoisePoor$141
NampaPoor$153
CaldwellPoor$137
Idaho FallsPoor$125
PocatelloPoor$148
Twin FallsPoor$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.

Top Auto Insurance Companies

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

  • Why is car insurance so expensive in Idaho?

    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.

  • Do car insurance rates vary by county in Idaho?

    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.

  • Which providers have the best auto insurance ratings in Idaho?

    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.

  • How much do annual auto insurance rates increase in Idaho?

    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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Doug Shaffer
Doug ShafferInsurance Writer

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.