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For drivers that are high-risk 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 after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.
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 high-risk drivers in Idaho.
| Carrier | |
|---|---|
 Travelers | $93/mo |
 Dairyland Insurance | $137/mo |
 Safeco Insurance | $151/mo |
 Liberty Mutual | $162/mo |
 Midvale Home & Auto | $166/mo |
 Nationwide | $177/mo |
 American Family Insurance | $191/mo |
 The General | $192/mo |
Unfortunately, mistakes on the road come with consequences. If you drive recklessly or get in multiple at-fault accidents, you might become what is known as a "high-risk driver." These are drivers who car insurance companies deem "risky" to insure. Such drivers might end up paying more for car insurance, but that doesn't mean you can't find a policy that works for you.
In Idaho, serious driving violations, such as at-fault accidents, DUIs, speeding, and reckless driving, can qualify you as a high-risk driver and lead to higher insurance rates. But don't worry: just because you're high-risk doesn't mean you can't find a car insurance company that's willing to work with you and keep you protected on the road.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
No one wants to receive a high-risk driving charge. It can stay on your record for years and even lead to higher car insurance rates. And in Idaho, something as simple as improperly passing another driver can lead to a reckless driving charge.
Unfortunately, car insurance providers aren't always very forgiving when it comes to insuring high-risk drivers. Idaho drivers with just a reckless driving charge could see their rates go up by nearly 20 percent. Here is how some high-risk driving charges can affect your car insurance rates in Idaho:
| Driving History | |
|---|---|
| No Violation | $136 |
| Speeding Ticket | $160 |
| At-Fault Accident | $167 |
| Reckless Driving | $162 |
| Failure to Stop | $152 |
Speeding in Idaho can result in a ticket, add points to your driving record, and raise your monthly insurance premium by an average of $24. Here are some typical rates you can expect to see if you have a speeding ticket on your record in this state:
Every driver does their best to avoid accidents. But if something goes wrong and you do find yourself in an at-fault accident in Idaho, you could see your car insurance rates increase by over $30 a month. Here are the rates you can expect in Idaho after an at-fault accident:
Rolling through a red light or stop sign in Idaho could increase your insurance rates by $16 a month, which adds up to nearly $200 a year. While this mistake could keep you from paying the cheapest rates out there, you can still shop for a rate that meets your budget. Here are typical rates for Idaho drivers with this kind of offense on their record:
Unfortunately, mistakes on the road come with consequences. If you drive recklessly or get in multiple at-fault accidents, you might become what is known as a "high-risk driver." These are drivers who car insurance companies deem "risky" to insure. Such drivers might end up paying more for car insurance, but that doesn't mean you can't find a policy that works for you.
In Idaho, serious driving violations, such as at-fault accidents, DUIs, speeding, and reckless driving, can qualify you as a high-risk driver and lead to higher insurance rates. But don't worry: just because you're high-risk doesn't mean you can't find a car insurance company that's willing to work with you and keep you protected on the road.
Insurance prices and policies can vary significantly between companies, and a large and growing state like Idaho draws a wide variety of choices when factoring high-risk driving insurance rates.
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.
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.
