Car insurance rates in Idaho are traditionally calculated based on a driver’s age, auto make and model, driving history and other personal information. However, for high-risk drivers in Idaho, car insurance rates may be higher due to their increased risk to an insurance company.

High-risk drivers include those who have two or more traffic violations, at-fault accidents, DUIs, poor credit scores or no prior car insurance coverage.

We have created this guide to make your search for car insurance for high-risk drivers hassle-free. It provides details on how auto insurance rates change based on infractions like speeding tickets, at-fault accidents and DUI convictions. It also reveals the cheapest car insurance companies for high-risk drivers based on driving profiles in Idaho.

Key Highlights
  • High-risk drivers have minor violations like speeding tickets or major violations like DUI convictions or lapses in insurance coverage.
  • Drivers in Idaho pay 18% more for auto insurance for a ticket for driving 1-10 mph over the speed limit than without a violation.
  • If you are convicted of DUI or DWI in Idaho, you can expect your car insurance rates to increase 65% more for auto insurance.
  • An at-fault accident increases car insurance rates by 36% in Idaho, based on a data analysis by CarInsurance.com.
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Written by:
Prachi Singh
Contributing Writer
Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
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Reviewed by:
Laura Longero
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Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Who is a high-risk driver in Idaho?

Drivers of all age groups, those with or without experience, can be categorized as high-risk drivers by car insurance companies in Idaho if they have minor violations like speeding tickets or major violations like DUI convictions or lapses in insurance coverage.

Car insurance rates for high-risk drivers by driving profile in Idaho

The experts at CarInsurance.com have analyzed the rates for high-risk drivers based on driving profile for drivers with – speeding tickets, DUI offenses and at-fault accidents.

Here’s how each of the violations affect car insurance rates in Idaho.

Speeding tickets

In Idaho, car insurance rates increase based on the speeding limits you violate. For example, a driver who drives 1-10 MPH over the speed limit will pay 18% more for auto insurance than before having a speeding ticket.

Idaho drivers with speeding ticket violations for driving 11-29 mph over the limit pay 24% higher rates than drivers without speeding tickets. Whereas Idaho drivers with speed violations of more than 30 mph will pay 32% higher rates than drivers without speeding tickets.

Find out how much car insurance rates increase after a speeding ticket violation in Idaho.

ViolationRates after speeding ticketRates before speeding ticket$ Difference% Increase
Speeding ticket 1-10 MPH over limit$1,198 $1,015 $182 18%
Speeding ticket 11-29 MPH over limit$1,256 $1,015 $241 24%
Speeding 30+ over limit$1,341 $1,015 $325 32%

Learn more: How much your insurance goes up after a speeding ticket

Cheapest car insurance companies in Idaho for drivers with speeding tickets

In Idaho, Auto-Owners offers the cheapest car insurance for drivers with speeding tickets at $874 annually. The car insurance rates offered by Auto-Owners increase by $176 after a speeding ticket violation.

CompanyRates before speeding ticketRates after speeding ticket$ Difference% Difference
Allstate$1,692 $1,958 $266 16%
American Family$1,161 $1,210 $49 4%
Auto-Owners$698 $874 $176 25%
Farmers$1,327 $1,670 $344 26%
Geico$800 $886 $86 11%
Nationwide$900 $1,236 $336 37%
State Farm$932 $1,014 $83 9%
Travelers$927 $1,309 $383 41%
USAA$702 $885 $183 26%

DUI offense

If you are convicted of driving under the influence (DUI) or DWI (driving while intoxicated) or OUI (operating under the influence) in Idaho, you can expect your car insurance rates to increase by 65% on an average, according to 2023 CarInsurance.com data analysis.

ViolationRates after a DUIRates without a DUI$ Difference% Difference
DUI/DWI first offense$1,670 $1,015 $655 65%
DUI/DWI second offense$2,622 $1,015 $1,607 158%

Here’s how much your insurance goes up after a DUI

Cheapest car insurance companies in Idaho for drivers with a DUI

State Farm offers the cheapest car insurance rates for drivers with a DUI at $1,014 per year, in Idaho. The rate increases by $83 after getting a DUI offense on your driving history.

The second cheapest car insurance for high-risk drivers with DUI is offered by American Family at $1,210 a year.

See below for the auto insurance premiums offered by companies in Idaho for drivers with a DUI.

CompanyRates before DUI offenseRates after 1st DUI offenseRates after 2nd DUI offense
Allstate$1,692$2,270$3,135
American Family$1,161$1,210$1,231
Auto-Owners$698$1,583$3,463
Farmers$1,327$1,715$2,287
Geico$800$2,386$5,812
Nationwide$900$1,996$2,770
State Farm$932$1,014$1,014
Travelers$927$1,398$1,986
USAA$702$1,463$1,904

At-fault accident

After an at-fault collision, your car insurance premiums could spike in Idaho – unless you’ve added endorsements like accident forgiveness to your coverage.

According to a 2023 rate analysis by CarInsurance.com, on average, after an at-fault accident, car insurance rates increase by 36%.

However, there are states where car insurance companies provide coverage to the policyholder regardless of who was responsible for the collision or cover the medical expenses of the other driver. They are referred to as no-fault states and tort states.

Learn more: How much does car insurance go up after an accident?

Cheapest car insurance companies in Idaho for drivers with at-fault accidents

If you are looking for the cheapest car insurance for drivers with an at-fault accident, Auto-Owners is your best bet. It offers insurance at $799 per year.

CompanyRates before an at-fault accidentRates after an at-fault accident
Allstate$1,692 $2,554
American Family$1,161 $1,210
Auto-Owners$698 $799
Farmers$1,327 $1,937
Geico$800 $1,294
Nationwide$900 $1,233
State Farm$932 $1,097
Travelers$927 $1,284
USAA$702 $1,027

Reckless driving

Reckless driving is a grave offense with serious consequences. Unlike other traffic violations, it is usually classified as a misdemeanor. It carries severe penalties such as hefty fines or even imprisonment, depending on the state laws, according to Findlaw, an online legal information resource.

Compare the car insurance rates for drivers with and without a reckless driving violation in Idaho.

ViolationReckless driving
Rates after a reckless driving$1,580
Rates before a reckless driving$1,015
$ Difference$565
% Increase56%

Cheapest car insurance companies in Idaho for a reckless driving violation

CompanyRates before a reckless driving violationsRates after a reckless driving violations
Allstate$1,692 $2,270
American Family$1,161 $1,210
Auto-Owners$698 $1,583
Farmers$1,327 $2,119
Geico$800 $1,686
Nationwide$900 $1,996
State Farm$932 $1,014
Travelers$927 $1,398
USAA$702 $945

Cheapest car insurance options for high-risk drivers in Idaho

Use the calculator below to see the cheapest companies for high-risk drivers in Idaho by violation.

Average cost of car insurance in Idaho for high-risk driver

Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.

Average Annual Car Insurance Rate for At-fault bodily injury accident in Idaho is $2,324
Show Graph View
Company Name Insurance Rates
USAA $1,087
State Farm $1,305
Auto-Owners $1,360
Travelers $1,684
Geico $1,926
Nationwide $2,616
Farmers $3,028
Allstate $3,097

How to lower your car insurance rate if you are a high-risk driver

There are ways to lower car insurance rates even if you are a high-risk driver.

Increase in car insurance rates for high-risk drivers: By driver profile

Resources & Methodology

Sources

Findlaw. “Reckless driving laws by state.” Accessed January 2023.

Methodology

Data is sourced from the Auto Problems Report 2022. Rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across around 1500 ZIP codes with 50,00,736 records from 27 companies.

Note: In most states, USAA is the cheapest company for drivers with traffic violations, but it is only available to military members, veterans and their immediate families.

Laura Longero

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Laura Longero

Executive Editor

Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

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Contributing Writer

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.