Car Insurance for Bad Drivers in Idaho

The Zebra
Jan. 7, 2019

If you have caused a car crash, filed an insurance claim, or received a ticket for a major violation, you might be a good candidate for high-risk car insurance. Car insurance for drivers with bad records is almost always expensive, but the extra cost you receive depends on your auto insurance company, your driving record, and the state in which you live.

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What comprises car insurance rates for high-risk drivers in Idaho:

  1. At-fault accidents
  2. Speeding
  3. Distracted driving
  4. Racing
  5. Reckless driving
  6. View Idaho driving laws

What impact does an at-fault accident have on auto insurance in Idaho?


If you're deemed at-fault for causing an auto collision, you can expect your car insurance rates to skyrocket. In Idaho, the average insurance rate following an at-fault crash is $1,324, compared to the nationwide average of $2,012. A serious incident such as an at-fault crash can stay on your insurance record for as long as three years!


IDAHO CAR INSURANCE RATES AFTER AN AT-FAULT COLLISION
LocationWith At-Fault Accident — Annual RateNo At-Fault Accident — Annual RateAnnual Rate Increase
Idaho$1,324$1,018$306
U.S. Average$2,012$1,397$615

The cheapest car insurance company following an at-fault accident in Idaho is State Farm. State Farm’s usual rate increase after a crash is $406, resulting in a premium 31 percent less expensive than the average among all companies. If you caused a collision in Idaho, avoid SAFECO and Progressive, which penalize at-fault drivers more severely.


AUTO INSURANCE PREMIUMS AFTER AN AT-FAULT ACCIDENT IN IDAHO — AFFORDABLE COMPANIES
Insurance CompanyAnnual Rate After an At-Fault Collision
State Farm$918
Indiana Farmers Mutual$1,241
Farmers$1,398
SAFECO$1,484
Progressive$1,532


By how much does a speeding citation raise car insurance rates in Idaho?


One of the violations that commonly earns drivers the "risky" tag is speeding. In Idaho, you can expect to see your rates rise by $249 per year after a speeding ticket, to an average annual rate of $1,268.


IDAHO CAR INSURANCE RATES FOLLOWING A SPEEDING TICKET
LocationWith a Speeding Ticket — Annual RateNo Speeding Ticket — Annual RateYearly Rate Increase
Idaho$1,268$1,018$249
National Average$1,727$1,397$330

The best way to find affordable auto insurance after a speeding ticket is to shop around and weigh all possible options. The cheapest car insurance after a speeding citation in Idaho is available via State Farm. State Farm’s average premium after a violation is $435 less than the state average. If you have been caught speeding in Idaho, SAFECO probably won't be the cheapest option.


AUTO INSURANCE RATES AFTER A SPEEDING CITATION IN IDAHO — CHEAP PROVIDERS
Insurance CompanyAnnual Premium With a Speeding Citation
State Farm$833
Farm Bureau Mutual of Indiana$952
Progressive$1,231
Farmers$1,233
SAFECO$1,290


How does a distracted driving ticket impact car insurance prices in Idaho?


If you receive a citation for distracted driving, expect your car insurance rates to rise. In Idaho, car insurance prices typically increase by -$19 per year. That's a -2% increase from the average yearly premium in Idaho, and 111% less than the national average cost of car insurance with a distracted driving offense.


IDAHO CAR INSURANCE RATES WITH A DISTRACTED DRIVING TICKET
LocationWith Distracted Driving — Annual RateNo Distracted Driving — Annual RateAnnual Rate Increase
Idaho$999$1,018-$19
National Average$1,570$1,397$173

The best way to find affordable car insurance after a distracted driving citation is to compare different carriers. The cheapest company after a citation for distracted driving in Idaho is GEICO, with a typical rate of just $728 per year, 27% less than the average distracted driving insurance premium by all insurers.


AUTO INSURANCE RATES AFTER DISTRACTED DRIVING IN IDAHO — CHEAP CARRIERS
Insurance CompanyAnnual Rate After Distracted Driving
GEICO$728
State Farm$817
American Family$843
Indiana Farmers Mutual$952
Progressive$1,027


How does being cited for racing impact car insurance rates in Idaho?


Racing is considered an extraordinarily serious violation. Auto insurance providers typically penalize racing citations severely — in fact, Idaho car insurance premiums increase by an average of $424 annually after a ticket for racing. That is a 42% increase on the average annual auto insurance rate in Idaho!


LocationWith a Racing Citation — Annual RateNo Racing Citation — Annual RateYearly Rate Increase
Idaho$1,442$1,018$424
National Average$2,397$1,397$1,000

If you have been cited for racing, do your due diligence and find the most affordable rates. In Idaho, start with USAA, offering rates 20 percent less than the state average after a racing violation.


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CAR INSURANCE RATES AFTER A RACING CITATION IN IDAHO — CHEAP CARRIERS
Insurance CompanyAnnual Rate After Racing
USAA$1,150
State Farm$1,262
SAFECO$1,503
Farmers$1,548
Progressive$1,551


Will a reckless driving ticket raise my auto insurance rates in Idaho?


As one of the most serious moving infractions, reckless driving is a certain way to get a car insurance rate hike. Auto insurance companies increase rates by $540 per year after reckless driving. That comes out to 53% higher than the typical insurance rate in Idaho, and 26% less than the national average penalty for reckless driving.


IDAHO AUTO INSURANCE PRICES AFTER RECKLESS DRIVING
LocationWith Reckless Driving — Annual RateNo Reckless Driving — Annual RateAnnual Rate Increase
Idaho$1,558$1,018$540
U.S. Average$2,395$1,397$998

If you're pulled over for reckless driving, shop around to get the best price. In Idaho, the best underwriter after reckless driving is State Farm.


AUTO INSURANCE PRICES AFTER A TICKET FOR RECKLESS DRIVING IN IDAHO — CHEAP PROVIDERS
CompanyAnnual Rate With Reckless Driving
State Farm$1,262
GEICO$1,464
SAFECO$1,503
Farmers$1,548
Progressive$1,551

If you are seeking auto insurance as a high-risk driver, your best option is to do your research and find an affordable policy.