Skip to Main Content

How a speeding ticket impacts your insurance in Idaho

Idaho speed limit
tekinturkdogan/Getty Images
Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by (NPN: 8781838). For more information, please see our

If you get a speeding ticket in Idaho, you can expect an average increase in your car insurance premium of about 27%, according to Bankrate’s 2021 study of quoted annual premiums. Speeding tickets are relatively common, but they do have serious consequences that go far beyond the fine for the ticket itself. Bankrate’s research into Idaho speeding tickets might help you understand how to handle the situation if you get a citation.

How much is a speeding ticket in Idaho?

Speeding can be a serious driving offense in the state of Idaho. When you get pulled over for speeding and get a citation, you face certain financial penalties consisting of fixed fees, court costs and other state surcharges. In Idaho, if you are going one to 15 miles per hour (mph) above the speed limit, you will likely be charged $90 for your ticket. If you are given a ticket for 16 mph or more over the limit, the fee jumps up to $155. There are also specific penalties for speeding in a construction zone or speeding in a school zone.

How much does a speeding ticket increase your car insurance in Idaho?

Speeding creates potentially dangerous driving conditions. Drivers who speed often face serious financial consequences as a deterrent. On top of state penalties and court costs, receiving a speeding ticket will also generally make your auto insurance premium increase.

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
40-year-old male $1,031 $1,346 31%
40-year-old female $1,060 $1,308 23%
Total average $1,045 $1,327 27%

While men pay slightly less on average than women before a speeding ticket, they have a higher average increase after being cited. This is likely because men tend to engage in risky driving behaviors, including speeding. The higher increase level could serve to dissuade these drivers from speeding in the first place.

How to lower your car insurance after a speeding ticket in Idaho

Unfortunately, your car insurance premium is very likely to increase after you get a speeding ticket. The length of time the ticket impacts your premium will depend on the auto insurance carrier you choose, but most companies typically surcharge your rate for three to five years. Additionally, you may also lose good driving discounts that had been previously applied to your policy. Luckily, there are still ways to save money even if you get a ticket.

Get quotes from other car insurance companies

The Idaho car insurance company you choose will affect how much you pay for coverage. Companies each set their own rates based on a variety of factors including age, gender, location, credit rating, insurance history, driving history, vehicle details and vehicle use. Because these factors all vary by company, you may be able to find a cheaper insurance rate by switching to another carrier.

Car insurance company Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
Allstate $1,639 $2,174 33%
Farm Bureau $1,512 $1,592 5%
Farmers $797 $1,357 70%
Geico $1,077 $1,130 5%
USAA $725 $905 31%

*Premiums are average annual full coverage premiums for 40-year-olds

To find cheaper coverage, you might want to get quotes from a few different insurance providers. When you are getting quotes from other carriers, you will likely want to get rate information for the same coverage. You may also want to take into consideration factors beyond price, such as ease of claim filing and overall customer service satisfaction.

Find insurance discounts

To help customers save on their premiums, most major insurance companies offer at least a few discounts. If your premium has increased due to your speeding ticket, call your insurance agent and ask if there are any other available discounts that you qualify for but are not currently getting. You may be able to save money with a good student discount, multi-policy discount or an employer/professional association discount.

Review unused coverage

It is important to evaluate your auto insurance policy from time to time to ensure your coverage still fits your needs. While most insurance agents do not recommend that you delete coverage types or lower coverage levels just to save money, you might be able to evaluate the optional endorsements on your policy. If you don’t travel often or have another roadside assistance plan, you might be able to delete roadside assistance from your policy, for example. If you paid off your vehicle but notice you are still paying for gap coverage, you could consider removing that option.

Other speeding ticket considerations

A speeding ticket is a serious violation that can lead to significant consequences. In addition to premium increases on your insurance policy, you may also be expected to pay violation fees and court costs. Additionally, Idaho operates on a points system where every moving violation accumulates points on your driving record. When you reach or exceed 12 points within 12 months or you are ticketed with a major moving violation, you could face the suspension or revocation of your driver’s license.

Frequently asked questions

What is the best car insurance company for drivers with speeding tickets?

If you are looking for the best insurance company after getting a speeding ticket, you may want to get a quote from several carriers to compare prices, coverage, discounts and claims procedures. These factors vary between each carrier so you should choose the policy that is best for your unique situation.

What is the average cost of car insurance in Idaho?

The state of Idaho is one of the least expensive states for car insurance. The average cost for full coverage in the Gem State is approximately $1,045 per year, which is significantly lower than the national average cost of $1,674 annually. However, remember that car insurance premiums vary based on your individual rating factors, so you may pay more or less than the state or national average.

Is car insurance required in Idaho?

Yes, Idaho’s laws require that drivers carry at least minimum levels of liability car insurance coverage. Drivers must carry at least the following coverage types and limits to drive legally:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Car insurance companies are also required to offer uninsured and underinsured motorist coverage, but you can decline these in writing if you choose. State minimum limits are relatively low, so most insurance professionals recommend buying higher levels of coverage or full coverage for more financial protection.


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 coverage that meets 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.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania.

Written by
Jessie See
Insurance Contributor
Jessie See has a year of experience writing for Bankrate, and other insurance domains. She has covered topics ranging from auto and homeowner’s insurance to life insurance. She has been writing professionally for over a decade with experience in a variety of different topics and industries. Prior to becoming an insurance writer, she worked as a legal assistant in the field of personal injury law and as a licensed sales producer at various insurance agencies.
Edited by
Insurance Writer & Editor