Idaho Auto Insurance with Bad Credit

The Zebra
March 12, 2019

Finding cheap auto insurance can be tough when you have bad credit. Auto insurers use credit as a primary rating factor, setting premiums based partially on drivers’ credit scores. Because auto insurance companies use data that show drivers with poor credit are more likely to file auto insurance claims, they account for for that added risk by charging more.

Your car insurance costs with bad credit depends on where you live, which insurance company you use, and a variety of other factors. We've gathered below average insurance rates for drivers with bad credit in major Idaho cities, along with rates from popular insurance companies, , along with tips on how to save on car insurance if you have bad credit in Idaho.


Auto insurance with bad credit in Idaho:

  1. Average rates
  2. Rates by city
  3. Costs by company

Car insurance rates with bad credit in Idaho

Drivers in Idaho pay an average penalty of $864 per year for having a credit score in the “worst” tier. A driver in the "poor" or "below fair to poor" credit tiers will also pay more than average for a car insurance policy.


IDAHO AUTO INSURANCE RATES WITH BAD CREDIT

Credit TierAverage Annual Rate in Idaho
Worst$1,882
Poor$1,695
Below Fair to Poor$1,546
Average — All Credit Tiers$1,018

Get insurance quotes today!

Compare rates from top car insurance companies.

Location pin icon
Your information is secure.

Car insurance rates with bad credit in Idaho cities

Your car insurance rates will also vary depending on the geographic area in which you drive. Car insurance companies rely on your address to better understand how likely you are to file an insurance claim: the more claim-prone your area,, the more expensive your rates.

Listed below are major Idaho cities and their average auto insurance costs for drivers with poor credit ratings.


BAD CREDIT CAR INSURANCE RATES IN IDAHO CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Boise$1,703$1,536$1,404
Nampa$1,816$1,639$1,497
Meridian$1,704$1,536$1,402
Idaho Falls$1,924$1,734$1,583
Pocatello$1,890$1,702$1,554

Compare rates from top car insurance companies.

Location pin icon
Your information is secure.

Cheap car insurance companies for bad credit in Idaho

Another factor contributing to car insurance rates is the auto insurance company you choose. Each and every car insurance company prices its policies in a unique manner, giving rating factors varying weights in their pricing calculations. Credit is often a major differentiator in price from one insurance company to the next. In Idaho, the most affordable insurance company for drivers with bad credit is GEICO, which offers a premium cut of $266 per annum in comparison to the second-cheapest company, USAA.

See below prices from leading auto insurance companies in Idaho for drivers with bad credit.


IDAHO CAR INSURANCE PREMIUMS WITH BAD CREDIT — BY COMPANY

CompanyAverage Annual Rate — Worst Credit
GEICO$1,194
USAA$1,460
American Family$1,468
Farm Bureau Mutual of Indiana$1,500
State Farm$1,657

If you’re facing the prospect of getting auto insurance with a bad credit history, keep these tips in mind:

  1. Get car insurance quotes
  2. Be smart with your claims
  3. Know what goes into car insurance rates

Compare rates from top car insurance companies.

Location pin icon
Your information is secure.