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Idaho Car Insurance for High Risk Drivers (With Quotes)
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Edited by John Leach | Reviewed by Licensed Insurance Agent, Amber Benka
Updated March 9, 2022
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.
| Carrier | Avg. 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
No Violation$136
Failure to Stop$152
Speeding Ticket$160
Reckless Driving$162
At-Fault Accident$167
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 | Avg. 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:
No Violation - Avg. Monthly Rate$136
Speeding ticket - Avg. Monthly Rate$160
$24 ▴
Avg. Monthly Rate Increase
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:
No Violation - Avg. Monthly Rate$136
Speeding ticket - Avg. Monthly Rate$167
$31 ▴
Avg. Monthly Rate Increase
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:
No Violation - Avg. Monthly Rate$136
Speeding ticket - Avg. Monthly Rate$152
$16 ▴
Avg. Monthly Rate Increase
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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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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- Personalized quotes in 5 minutes or less
- No signup required
Data scientists at Insurify analyzed over 40 million auto insurance rates 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. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
Insurance 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.
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