Who Has the Cheapest Auto Insurance Quotes for Drivers with a DUI in Idaho?

When shopping for the cheapest auto insurance after getting a DUI, one of the many components that auto insurance companies take into consideration when calculating the cost of insurance is where your residence is in Idaho. Areas with more people or even just a higher incidence of claims like Sandpoint, Blackfoot, and Lewiston tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of the cheapest auto insurance for drivers with a DUI in Idaho.

The information below displays the highest-priced places in Idaho for drivers with a DUI to buy car insurance in.

Premium amounts are estimated as the specific Idaho residence address can increase or decrease rates greatly.

The type of vehicle you are insuring is one of the main factors when trying to find the cheapest auto insurance for drivers with a DUI in Idaho. Vehicles with lower acceleration and performance, good safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models. The data below shows coverage premiums for a number of the most economical vehicles to insure.

Data based on married male driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, and homeowner. Premium amounts do not factor in Idaho location which can increase or decrease price quotes greatly.

Looking at the data, you can figure that models like the Honda CR-V, Ford Escape, Honda Odyssey, and Honda Accord are the most economical vehicles to insure after getting a DUI. The price of auto insurance will tend to be more expensive anyway just because there is more claim exposure for drivers with a DUI, but in general those particular models will tend to have the cheapest auto insurance rates that you are likely to find.

Locating low-cost insurance is not always easy, and figuring out which companies have the best insurance rates for drivers with a DUI will require a little more work. Prices may be quite a bit more expensive than the average policy in Idaho, with the increase attributed to the potential for more claims that goes along with selling insurance after getting a DUI, but competitive insurance should be achievable if you find the right company.

Each auto insurance company has their own process for establishing rates, so we’ll take a look at the most competitive insurance companies in Idaho.

Cheapest Insurance Rates after a DUI

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American National may offer some of the lowest car insurance rates in Idaho at around $247 a year. USAA, Farm Bureau of ID Group, Oregon Mutual, and Travelers also are some of the cheaper Idaho insurance companies.

As shown in the rates above, if you currently have coverage with Farm Bureau of ID Group and switched to American National, you could realize an annual savings of about $303. Customers with Oregon Mutual may save as much as $431 a year, and Travelers insureds might lower prices by $439 a year.

These estimates are averages across all insureds and vehicles and are not factoring in a price increase for drivers with a DUI. So the car insurance company that fits your situation best may not even be in the above rate chart. That’s why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

Irresponsible driving raises your rates

The common sense way to find the cheapest auto insurance for drivers with a DUI in Idaho is to be a cautious driver and not receive tickets or have accidents. The chart below illustrates how traffic citations and at-fault collisions can impact yearly insurance costs for different ages of insureds. The data is based on a single male driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

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In the example above, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,818. Get one speeding ticket and the average cost hikes up to $2,048, an increase of $230 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of insurance for drivers with a DUI goes up to an average of $3,987. That’s an increase of $2,169, or $181 per month, just for being a little careless behind the wheel!