If you need car insurance after being charged with a DUI in Idaho, MoneyGeek’s research determined that State Farm is the best and cheapest insurer for both full and minimum coverage policies.
Getting Car Insurance in Idaho After a DUI (2024)
Updated: November 21, 2024
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Key Takeaways
After a DUI in Idaho, State Farm offers the cheapest full coverage car insurance at $599 annually, followed by American Family at $759 annually.
In Idaho, the top two cheapest providers for minimum coverage car insurance after a DUI are State Farm, at $313 per year, and Progressive, at $436 per year.
In Idaho, State Farm is the best and most affordable full coverage car insurance provider for drivers with a DUI, offering an annual rate of $599, while notable for its high scores in affordability, customer satisfaction, and financial stability.
Car insurance companies can legally refuse to provide car insurance for DUI offenders in Idaho. If your insurance company decides to keep your coverage after you get a DUI, your premiums will likely increase. This is due to the fact that drivers who have been charged with a DUI are deemed high-risk, which means they are more likely to submit a claim.
In addition to having your driver's license revoked or suspended, Idaho drivers with a DUI can pay around 55.82% more for a full coverage insurance policy, according to our research. You’ll also likely have your license temporarily suspended and need to install an ignition interlock.
Cheapest Car Insurance Companies in Idaho After a DUI
When it comes to car insurance for people with DUI, the cheapest insurers nationally are Progressive and State Farm. In Idaho, the cheapest car insurer for full and minimum coverage after a DUI are State Farm and American Family for full coverage and State Farm and Progressive for minimum coverage.
Cheapest Companies for Full Coverage in Idaho After a DUI
Your selected level of coverage is one of the factors that influence how much your car insurance will cost after a DUI conviction. According to MoneyGeek's research, on average, the following companies offer the best full-coverage auto insurance prices for drivers with DUI in Idaho:
- State Farm: $599 per year
- American Family: $759 per year
The second cheapest company is actually USAA at roughly $711 annually. However, these policies are only available to military families.
Cheapest Car Insurance for Full Coverage After a DUI
| 1 | State Farm | $599 |
| 2 | USAA | $711 |
| 3 | American Family | $759 |
| 4 | MetLife | $923 |
| 5 | Farmers | $1,001 |
Cheapest Companies for Minimum Coverage in Idaho After a DUI
As previously stated, the amount of coverage you have influences the cost of your car insurance rates. The cheapest auto insurance carriers in Idaho for basic coverage after a DUI are:
- State Farm: $313 per year
- Progressive: $436 per year
With an average price of $363 annually, USAA is the second-cheapest option. These policies are only available to military families.
Cheapest Car Insurance for Minimum Coverage After a DUI
| State Farm | $313 |
| USAA | $363 |
| Progressive | $436 |
| MetLife | $535 |
| Allstate | $551 |
| American Family | $571 |
| Farmers | $628 |
| Travelers | $717 |
| GEICO | $944 |
| Allied | $1,092 |
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Car insurance with the minimum level of coverage is generally the most affordable option. State minimums for auto insurance, however, are sometimes insufficient to protect you financially in the event of an accident. This is because the minimum level of coverage usually only includes liability insurance, which pays for the other driver's injuries and damages if you're at fault in an accident.
Top Car Insurance Companies in Idaho After a DUI
The top insurers were chosen by MoneyGeek based on a mix of affordability, customer satisfaction, financial stability and other factors. For both full coverage and minimum coverage, we concluded that State Farm is the best car insurance provider for someone with a DUI in Idaho.
Best Companies for Full Coverage in Idaho After a DUI
State Farm and American Family are the top two providers of full coverage car insurance for DUI offenders in Idaho. We provide a more in-depth evaluation of each company below.
1
State FarmBest full coverage after a DUI
Score:4.5
The average motorist pays $547 per year for full coverage insurance in Idaho with State Farm. The average premium for DUI offenders, on the other hand, can increase by around 9.51% to $599.
More About State Farm
State Farm is a top-rated auto insurance company with locations in all 50 states. It is an inexpensive alternative for most drivers. However, it does lack additional specialized coverages.
2
American Family Insurance
Score:NaN
For drivers with a clean driving record, American Family's full coverage policy costs around $737 per year in Idaho. DUI offenders, on the other hand, pay an average of $759 per year, which is a 2.99% increase.
More About American Family Insurance
American Family offers a wide range of discounts, including legacy and loyalty discounts.
Policyholders will find the insurance to be reasonably priced for drivers with traffic violations and for young drivers. However, it is only offered in 19 states.
Best Companies for Minimum Coverage in Idaho After a DUI
While basic coverage is the most affordable option, it may not be appropriate for everyone's needs. MoneyGeek evaluated a number of car insurance providers in Idaho that offer minimal coverage policies and compiled a list of the top options below.
1
State FarmBest minimum coverage after a DUI
Score:4
A State Farm minimum coverage policy costs roughly $284 per year without a DUI. DUI offenders, on the other hand, pay an average of $313 per year, which is a 9.51% increase.
More About State Farm
Students may get rideshare insurance and savings from State Farm along with various discounts for students and good drivers. Many motorists believe their insurance coverage is reasonably priced. However, State Farm does not provide accident forgiveness.
2
Progressive
Score:4
A Progressive minimum coverage policy for drivers with a clean driving record costs roughly $363 per year. Those with a DUI, on the other hand, pay around 21.68% more, or $436 per year.
More About Progressive
Progressive offers a variety of discounts, including multi-car, good student, safe driver, pay-in-full and paperless. One disadvantage is that it lacks typical discounts. These include anti-theft, defensive driving and airbag.
How Much Does Car Insurance Cost in Idaho After a DUI?
After a DUI, the average cost of car insurance in Idaho rises by 55.82%. If you've been convicted of a DUI, the average cost of a full coverage policy is $1,101 per year. Drivers in the state with no offenses pay around $706 for the same coverage.
MoneyGeek outlines how much car insurance is with a DUI and why your car insurance premiums may change after you receive this violation in Idaho.
How long does a DUI affect the cost of your car insurance?
A DUI conviction may stay on your record for a set number of years (also known as a "look-back period"), depending on your state. Idaho has a ten-year look-back period for DUIs and a five-year look-back period for DUIs with BAC (Blood Alcohol Concentration) of .20 or higher. To accommodate criminal penalties for repeat DUI offenders, look-back periods are long.
Average Cost
Full Coverage
$706
Average Cost with DUI
Full Coverage
$1,101Full coverage policy premiums after a DUI cost::$395 more
This is 56% more expensive.
Having a DUI on your record will almost certainly result in a considerable rise in your car insurance rates. This is because you will be classified as a high-risk driver by insurance providers. To receive a personalized quote based on your driver profile, use MoneyGeek's auto insurance calculator below.
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Nov 21, 2024
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Other DUI-related expenses, in addition to increased car insurance premiums, can run into the thousands of dollars:
- Fines, court and attorneys fees: A DUI conviction generally comes with penalties and court expenses in addition to the cost of hiring a counsel to assist you in posting a bond or defending you.
- Towing/impound fee: If your automobile is towed and seized as a result of an arrest, you'll have to pay those costs.
- Drug education and treatment: You might be required to attend an alcohol or drug education program after your first violation.
- DMV reinstatement fee: After your license has been suspended, you'll have to pay a charge to reinstate your driving rights.
Getting Car Insurance in Idaho After a DUI
Some auto insurance providers refuse to cover motorists who have been convicted of driving under the influence. Because insurance companies are private businesses, they have the legal authority to reject or refuse to renew the coverage of DUI offenders.
In Idaho, getting insurance might be extremely difficult because the look-back period is ten years. However, you may still shop around, compare prices and select the insurance provider that will offer you the best deal.
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Idaho drivers who have been convicted of a DUI must get an SR-22 insurance form. This is a document that your insurer provides on your behalf to the state to verify that you have the minimum insurance coverage necessary in your state. SR-22 insurance in Idaho comes with its own set of costs, like filing fees and the loss of discounts.
Idaho DUI Laws
Driving while inebriated or under the influence of drugs or alcohol has serious legal ramifications. DUI punishments vary by state but often include license suspension, fines, fees, the installation of an ignition interlock device (IID) and jail time.
Driving with a BAC at or above 0.08% is considered a DUI
The quantity of alcohol in someone's system is measured by their blood alcohol concentration (BAC).
The BAC limit for DUI in Idaho is 0.08% and 0.02% for those under 21, although you can be arrested even if you have a lower BAC as long as your driving is visibly impaired.
Driving with a BAC of 0.2% will result in increased penalties
If your BAC/BrAC is more than or equivalent to 0.20% on your first violation, you will be charged with a misdemeanor. You can be imprisoned for 10 days to a year (must serve 48 hours in a row) and fined up to $2,000.
A felony charge for the second or subsequent violation carries a fine of up to $5,000 and a sentence of 30 days to 5 years in prison. You'll also have to submit your driver's license to the court and have your driving privileges revoked for one to five years following your release.
Period of license revocation on first offense
Your license will be suspended for at least 90 days if you are found driving with a BAC of 0.08% or higher.
Limited driving privileges during your suspension
After getting a DUI, you could have limited driving privileges during your suspension after a period of 30 days.
Ignition interlocks
Ignition interlocks are mandatory for all convictions.
Open container laws
Idaho does have open container laws.
Repeat offender laws
Idaho does have repeat offender laws.
Frequently Asked Questions
Finding the best auto insurance in Idaho after a DUI conviction might be difficult. MoneyGeek has provided answers to some frequently asked questions to assist you with the process.
Will my insurer continue to cover me if I get a DUI in Idaho?
This is something you should inquire about directly with your insurance provider. Insurance companies are not required by Idaho state law to continue to cover DUI offenders, so they can cancel or refuse to renew your coverage.
How much do car insurance premiums increase in Idaho after a DUI?
After a DUI, rates in the state generally rise by 55.82%. Idaho's average yearly full coverage car insurance premium is $706. With a DUI conviction, this number jumps to around $1,101.
What is the cheapest car insurance company in Idaho after a DUI?
For full coverage car insurance after a DUI in Idaho, State Farm is the best and most economical alternative. This is also true if you're looking for the best-rated insurers or the state minimum coverage.
How long will having a DUI affect my car insurance rates?
Your car insurance premiums might be higher for up to ten years due to Idaho's look-back period. However, this is impacted by your own circumstances.
How do I get car insurance if I have a DUI?
It might be difficult to obtain the best insurance coverage if you have a DUI. We suggest comparing rates to locate insurance that can meet your individual profile and needs.
Methodology
To determine the top companies for individuals with DUIs in Idaho, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.