Best Cheap Auto Insurance Quotes for Drivers with a Bad Driving Record in Idaho

For bad drivers, one of the big components that play a part in determining car insurance rates is where you live in Idaho. Cities with larger populations or higher claims like Moscow, Chubbuck, and Lewiston tend to pay more, whereas cities that are not as densely populated tend to receive slightly lower rates.

The information below illustrates the most expensive places in Idaho for drivers with a bad driving record in which to purchase auto insurance.

Information shown are comparative as specific Idaho zip code can modify price quotes significantly.

Deciphering which companies quote the most affordable car insurance rates for drivers with a bad driving record calls for more work in order to find the most economical policy. Every car insurance company has their own formula to establish rates, so we need to take a look at the car insurance companies that tend to have lower prices in Idaho.

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American National generally has some of the most affordable car insurance rates in Idaho at around $237 a year. Farm Bureau of ID Group, USAA, Oregon Mutual, and Travelers also rank well as some of the cheapest Idaho car insurance companies.

In the above rates, if you currently have coverage with Travelers and switched to Farm Bureau of ID Group, you may realize an annual premium reduction of around $142. Idaho drivers with American Family may save as much as $162 a year, and Auto-Owners customers might realize rate reductions of up to $168 a year.

It’s important to note that these prices are averages across all types of insureds and vehicles and and are not calculated with a rate surcharge for drivers with a bad driving record. So the auto insurance company that has the cheapest price for you may not even be shown in the list of companies shown earlier. That points out the importance of why you need to get quotes using your own driver information and specific vehicle type.

Everyone has different tastes in autos, and the style of vehicle you are insuring is a significant factor when trying to find the best cheap auto insurance for drivers with a bad driving record in Idaho. Vehicles with lots of horsepower, a lack of advanced safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer models. The lists below showcases car insurance prices for a selection of the more afforable vehicles to buy insurance for.

Data variables include married female driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates noticeably.

Data based on married female driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in vehicle location which can raise or lower auto insurance rates noticeably.

Table data represents married female driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Rates do not factor in your specific Idaho location which can revise coverage rates substantially.

Types of discounts on Idaho insurance rates

Auto insurance companies that offer the best cheap auto insurance for drivers with a bad driving record in Idaho may also provide policy discounts that may potentially lower prices by as much as 40% or more if you are eligible to receive them. The best car insurance companies and some of the premium reductions they offer are shown below.

• Travelers policyholders can earn discounts including multi-car, continuous insurance, payment discounts, save driver, and multi-policy.
• 21st Century offers discounts including homeowners, 55 and older, early bird, good student, and theft prevention.
• State Farm may offer discounts for good student, good driver, defensive driving training, Drive Safe & Save, safe vehicle, multiple policy, and passive restraint.
• GEICO may have discounts that include anti-theft, emergency military deployment, defensive driver, anti-lock brakes, and seat belt use.
• SAFECO discounts include teen safe driver, anti-lock brakes, drive less, safe driver, multi-car, homeowner, and accident prevention training.
• AAA has discounts for AAA membership discount, good driver, anti-theft, education and occupation, and multi-car.

The illustration below illustrates the difference between auto insurance costs with and without discounts applied to the rates. The data is based on a male driver, three violations and one accident, Idaho state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, anti-theft, multiple policy, multiple vehicle, homeowner, and continuous coverage discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for drivers with a bad driving record is 28% or $499.

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Full coverage or liability only

Finding the best cheap auto insurance for drivers with a bad driving record in Idaho is important to the majority of people, and one great way to save on the cost of insurance is to buy liability only. The diagram below illustrates the comparison of insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Idaho. The costs are based on no claims, a clean driving record, $100 deductibles, single status, and no discounts are applied.

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Averaged for all ages 20 through 70, physical damage coverage on your policy costs an additional $1,818 per year over having just liability coverage. That brings up the question if physical damage coverage is worth the money. There is no set rule to drop full coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

Company comparison: Allstate vs State Farm vs Geico vs Progressive

When buying auto insurance for bad drivers in Idaho, the companies that insure more vehicles than anyone else are Allstate, State Farm, Geico, and Progressive. If you add them together, they insure nearly half of all car insurance policies in America. The data below points out price, claims, and customer service ratings, as well as some optional coverages shoppers can expect to find with each one.

Who has the cheapest insurance quotes for bad drivers?

You have many ways to find cheaper car insurance in Idaho, but the most preferred methods are using a captive (or exclusive) agent like Liberty Mutual or Allstate, an independent agent, or direct online or over the phone from a company like Geico or Progressive.

You can use whichever you prefer, but it’s good to know the differences in how they provide rate quotes.

Independent agents are appointed by several companies and can quote your policy with every one. Agents of this type can sell policies from many different companies and can provide you with more rate quotes, which may provide you with the best chance of finding a lower price. If you want to switch companies, your policy is moved internally which requires no work on your part.

A captive, or exclusive, agent is only able to write business for one company, two examples being an Allstate or Liberty Mutual agent. These agents usually cannot compare rates from other companies, so smart shoppers will want to get additional comparison quotes.

The third popular method of shopping for car insurance is direct, which means you skip local insurance agents and buy from a direct company like Progressive. Shopping direct may be good for consumers who do not have a need for a risk management assessment and have a decent understanding of what coverages they need.

Which method works best to find the best cheap auto insurance for drivers with a bad driving record in Idaho? The obvious answer would be buying from a direct company saves the most money since that prevents the need to pay agent commissions, but unfortunately, that is not always true. We’d also like to say using an independent agent guarantees the cheapest rates because they can shop around, but again, that’s not accurate. And sometimes, exclusive agents have really good rates that are the lowest in Idaho.

Due to the large number of rating factors, the best way to not overpay for car insurance is to compare rate quotes from as many companies as possible. In a perfect world, youll get prices from all three in order to have enough rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.