Idaho Car Insurance for High Risk Drivers (With Quotes)

Mark Steinbach
Written byMark Steinbach
Mark Steinbach
Mark SteinbachInsurance Writer

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

John Leach
Edited byJohn Leach
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John LeachInsurance Content Editor at Insurify

John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.

Amber Benka
Reviewed byAmber Benka
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Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated March 9, 2022

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Cheapest Insurance Companies for High Risk Drivers in Idaho (2022)

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.

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$93
Dairyland Insurance$137
Safeco Insurance$151
Liberty Mutual$162
Midvale Home & Auto$166
Nationwide$177
American Family Insurance$191
The General$192

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.

Idaho Car Insurance Rates for High-Risk 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 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 HistoryAvg. 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.
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:

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.

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:

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.

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:

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.

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.

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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.

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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.

Mark Steinbach
Mark SteinbachInsurance Writer

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

John Leach
Edited byJohn LeachInsurance Content Editor at Insurify
Photo of an Insurify author
John LeachInsurance Content Editor at Insurify

John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.

Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Icon of a woman
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.