Cheap Car Insurance for High-Risk Drivers in Idaho:
Costs and Quotes (2021)
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- Car Insurance in Idaho
- High-Risk Car Insurance in Idaho
Cheapest Insurance Companies for High Risk Drivers in Idaho (2021)
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 |
What’s in the Idaho High-Risk Car Insurance Guide?
- What Makes a Driver High-Risk in Idaho?
- How Much Does High-Risk Driving Affect Car Insurance Rates in Idaho?
- How Much Does a Speeding Ticket Impact Car Insurance Rates in Idaho?
- How Does an at-Fault Accident Impact Insurance Rates in Idaho?
- How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Idaho?
- Does Driving With a Suspended License Impact Car Insurance Rates in Idaho?
What Makes a Driver High-Risk in Idaho?
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.
How Much Does High-Risk Driving Affect Car Insurance Rates in Idaho?
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 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in Idaho?
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:
How Does an at-Fault Accident Impact Insurance Rates in Idaho?
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:
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Idaho?
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:
Does Driving With a Suspended License Impact Car Insurance Rates in Idaho?
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.
Tips for Researching High-Risk Idaho Car Insurance Rates
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.
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.
