Auto insurance for high-risk drivers in Idaho

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Drivers with multiple tickets, at-fault accidents or a DUI may have a harder time finding affordable rates for car insurance. In addition, reckless or high-risk driving in Idaho could lead to your license being suspended, restricted or revoked. Idaho high-risk auto insurance is an alternative coverage when your traditional vehicle insurance is no longer available or affordable.

High-risk car insurance rates in Idaho

The cost of your Idaho vehicle insurance depends on your driving record, vehicle and level of coverage, as well as some other factors. Idaho high-risk auto insurance may be more affordable than traditional coverage for drivers with the same incidents on record. Each insurance carrier has its own threshold of risk when pricing your vehicle insurance. One carrier may provide affordable insurance for a driver with speeding tickets but raise premiums sharply after an accident or claim.

Car insurance rates after a speeding ticket

Speeding tickets could increase your car insurance rates slightly or significantly, depending on the car insurance company. There is no exact formula to determine which insurance company will be cheaper after a speeding ticket. However, Bankrate’s analysis found USAA, Farmers and State Farm to be the most affordable carriers on average.

Car insurance company Idaho average annual premium for full coverage before a speeding ticket Idaho average annual premium for full coverage after a speeding ticket % difference
USAA $725 $905 25%
Farmers $797 $1,357 70%

If you complete an approved traffic school course after getting a speeding ticket, you may be able to avoid an increase in your insurance rates. Although options can vary by state, courses typically take a few hours to a full day to complete and may be available online or in person.

Rates after an accident

In Idaho, being held responsible for a car accident will likely raise your premiums more than a speeding ticket. However, high-risk auto insurance rates in Idaho vary widely from one insurance company to another.

Car insurance company Idaho average annual premium for full coverage before an accident Idaho average annual premium for full coverage after an accident % difference
State Farm $853 $931 9%
USAA $725 $1,052 45%
Farmers $797 $1,529 92%

USAA car insurance may start out as the cheapest coverage for safe drivers who are eligible for coverage, but a single accident could increase your premiums 45%. Meanwhile, Farmers’s rates increase an average of 92% after an accident. Finally, State Farm rates increase 9% after an accident, based on our review of quoted annual premiums.

Insurance rates after a DUI

Driving under the influence may be the most dangerous risk a driver could take both financially and in terms of safety.

Here’s how getting a DUI can impact auto insurance rates.

Car insurance company Idaho average annual premium for full coverage before a DUI Idaho average annual premium for full coverage after a DUI % difference
State Farm $853 $1,058 24%
Farmers $797 $1,387 74%
USAA $725 $1,506 108%

Drivers convicted of a DUI in Idaho may also need to ask their insurance company to file a certificate of financial responsibility (commonly an SR-22) with the DMV to legally drive.

Car insurance rates for teen drivers

Car insurance premiums for teens added to their parents’ policies in Idaho are higher than average as well, since younger drivers are considered riskier to insure due to lack of experience on the road.

Car insurance company Average annual premium increase for full coverage
State Farm $2,339
USAA $2,320
State Farm $2,339

*16-year-old on their parent’s policy

Getting quotes from multiple carriers is the best way to find the most affordable car insurance.

Who is a high-risk driver?

Insurance companies consider drivers with a DUI conviction or with more than one accident or moving violation to be high-risk drivers. High-risk drivers come in all ages and experience levels.

Many states may suspend or revoke your license after accumulating six points. Idaho may suspend your license if you accumulate 12 points in a 12-month period. Keep in mind that you could obtain 12 points from a single at-fault accident if you were exhibiting negligent behaviors such as texting and driving, being inattentive and/or racing on a public highway.

How high-risk drivers can lower their insurance rates

High-risk drivers typically have limited carrier options and costlier premiums. One way to offset the limited choices is by finding ways to reduce the cost of coverage:

  • Shop around to find the most affordable coverage based on your current needs.
  • Take advantage of as many discounts as possible, such as accident forgiveness, low mileage, student driver or multi-line discounts.
  • Complete an approved, eight-hour traffic school course to keep points off your driving record.
  • Increase your deductible to the highest amount you can afford.

Saving as little as 5 to 10% on your vehicle insurance could translate to hundreds of dollars over time.

Frequently asked questions

What is an SR-22?

An SR-22 is a certificate of financial responsibility that confirms you have the minimum amount of car insurance required to drive. It’s a form filed by your insurance company with the DMV on your behalf.

Do I need extra auto insurance if I’m a high-risk driver?

How much auto insurance you need will be different for every driver. Most insurance experts recommend purchasing full coverage insurance, which covers more damages and helps protect your finances from distress. All Idaho drivers are required to have liability insurance with minimums of at least $25,000 in bodily injury and death per person, $50,000 total per accident and $15,000 in property damage. Idaho insurance providers are also required to offer you uninsured and underinsured motorist coverage. If you want to decline this coverage, you will have to do so in writing.

How many points do I get in Idaho if I cause an accident?

Idaho assigns zero to three points if you’re a negligent operator (responsible for a car crash). The DMV may suspend or revoke your accident after you have twelve points on your record.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.

High-risk drivers
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Lizzie Nealon
Insurance Writer
Lizzie Nealon is an insurance writer for Bankrate. Her favorite part of the job is making home, auto and life insurance digestible for readers so they can prepare for the future.
Edited by
Insurance Editor