Best Cheap Car Insurance Companies for High-Risk Drivers in Idaho

High-risk drivers pay a higher premium for car insurance due to having severe violations on their driving records. To secure the best rate in Idaho, such drivers may need to compare quotes across different insurance companies.

According to MoneyGeek, the best insurer for most high-risk drivers in Idaho and one that combines quality service and affordability is State Farm. From our findings, State Farm is also the cheapest company if service quality is not considered. Policyholders pay an average of $613 per year, although exact rates depend on the driver’s unique profile.

An insurance company determines whether you are a high-risk driver or not by reviewing your driving history. Typically, your car insurance rates will be higher than a driver with a clean record if you have a speeding ticket, DUI, at-fault accident, or severe traffic violations on your driving record. The same also applies to young drivers with no experience behind the wheel.

Since there is a higher chance of high-risk drivers filing claims, insurers tend to increase the premium to cover the cost of damage and injury in case of an accident.

In Idaho, as a high-risk driver, your auto insurance premium may increase by approximately 24%.

The cheapest high-risk auto insurance in Idaho, according to MoneyGeek’s research, is with State Farm. On average, high-risk customers pay $613 annually for a policy. You can learn more about State Farm’s car insurance, including the costs and benefits, using MoneyGeek’s detailed review of the insurer.

From MoneyGeek’s research and scoring criteria, State Farm tops the list of high-risk auto insurance companies in Idaho with a score of 91 out of 100. MoneyGeek’s review highlights the insurer’s coverage options and average scores.

The second-best insurer in the state is American Family, scoring 77 out of 100. The insurer has a slightly higher average annual premium than State Farm, and you can learn more about its features by checking out MoneyGeek’s American Family review.

MoneyGeek’s research uncovered that the most affordable car insurance in Idaho for drivers with a DUI conviction comes from State Farm. On average, customers pay $596 per year for full coverage. You can check out our State Farm auto insurance review for a summary of its pros, cons, and coverage options.

Eligible military members may also opt for high-risk car insurance in Idaho from USAA.

According to MoneyGeek’s evaluation of high-risk insurers in Idaho, the cheapest company for teenage drivers is State Farm. Teen drivers pay about $2,288 per year, although actual rates vary based on your exact age.

You can find out more details about the insurer in our State Farm review.

As per MoneyGeek’s research findings, GEICO offers the most affordable car insurance for high-risk drivers with poor credit in Idaho. Policyholders pay an average annual cost of $898. That rate is around 40% more than what drivers with good credit pay for the same coverage, which is $536 per year.

MoneyGeek’s GEICO review provides further analysis of the insurer. You can check it out to learn more about GEICO’s discounts, coverage options, and pros and cons.

While calculating individual car insurance rates, insurance providers consider your profile and history. If you are rated as a high-risk driver, you will end up paying a higher premium than the average driver.

In Idaho, auto insurance costs an average of $967 per year if you are a high-risk driver and $712 if you have a clean driving record, a difference of around $255.

For high-risk drivers seeking to purchase the most suitable car insurance policy, our Idaho auto insurance calculator provides quick estimated quotes based on factors like coverage choices, driving record and age.

You can further use the calculator to establish how different factors influence auto insurance rates in the state, plus individual rates based on your driving profile.

Car insurance companies are privately-owned, meaning that some insurers may decide to deny high-risk drivers a policy for various reasons. If you cannot get standard car insurance after a traffic violation or any other reason, the best alternative is a residual automobile market policy.

Available through the Automobile Insurance Plan Service Office (AIPSO), these plans offer exclusive coverage for drivers termed as high-risk by state insurance regulators. After maintaining a clean driving record for some years, you may consider purchasing regular car insurance coverage.

AIPSO has residual market plans categorized across different states. In Idaho, individuals who are unable to find coverage can purchase it through the Idaho Automobile Insurance Plan. AIPSO shares eligible risks with the state’s insurance companies, which in turn take high-risk policyholders.

Idaho is also among the states that form the association of auto plans known as the Western Association of Automobile Insurance Plans, or WAAIP, which processes requests from those who have trouble purchasing standard insurance.

Finding the best high-risk auto insurance in Idaho depends on several factors. To help you secure a suitable policy for your profile, MoneyGeek responded to several questions about high-risk car insurance in the state.

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.