Cheapest Auto Insurance for High Risk Drivers in Idaho

Finding budget car insurance is not easy, and figuring out which companies offer the lowest-priced car insurance rates for high risk drivers will require even more shopping around. Policy prices may be much more than the average price in Idaho due to the extra risk related to offering insurance for high risk drivers, but reasonably-priced coverage should be achievable if you thoroughly shop around.

Each insurer uses their own calculation for filing rates in each state, so to begin we’ll rank the car insurance companies with the overall best prices in Idaho. It’s a good idea to know that Idaho car insurance rates are impacted by many things which can significantly increase or decrease the price you have to pay for coverage. This price fluctuation is why it is so important to compare rates when trying to get the best auto insurance rates for high risk drivers. Rates are impacted by many different factors and can increase or decrease at any time, so the best company when you last compared rates may now be one of the more expensive options.

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American National quotes some of the most affordable car insurance rates in Idaho at around $237 per year. USAA, Farm Bureau of ID Group, Oregon Mutual, and Travelers would also make the list of some of the best Idaho insurance companies.

In the rate table above, if you buy coverage from Farm Bureau of ID Group and switched to American National, you could realize an annual premium reduction of upwards of $297. Drivers with Oregon Mutual might save as much as $435 a year, and Travelers policyholders might lower prices by up to $463 a year.

Understand that those premium estimates are averaged for all types of insureds and vehicles and do not factor in a price surcharge for high risk drivers. So the insurer that has the cheapest price for you may not even be featured in the list of companies above. That is why you need to get auto insurance quotes using your own driver and vehicle profiles.

One of the key criteria that affect the price you pay for insurance is where your home is located. Areas that are more densely populated or have higher claim rates like Sandpoint, Ammon, and Lewiston will most likely pay more, whereas areas that are not as densely populated benefit from lower rates.

The next table illustrates the most costly cities in Idaho for high risk drivers to buy car insurance in.

Premium costs are approximated as the specific garaging location can impact prices significantly.

Which car insurance company is best in Idaho?

Ending up with the highest-rated company can be a challenge considering how many different companies there are to choose from in Idaho. The information in the lists below may help you decide which car insurance companies you want to consider when shopping car insurance rates for high risk drivers.

These ratings are only made up of major nationwide insurance companies, so companies that may only write in Idaho will not be included in this list. To compare prices from these and other companies in Idaho, click this link.

Top 10 Major Auto Insurance Providers in Idaho Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. Progressive
5. The General
6. Allstate
7. AAA Insurance
8. American Family
9. Nationwide
10. Travelers

Top 10 Major Auto Insurance Providers in Idaho Ranked by Customer Satisfaction

1. USAA – 94%
2. AAA Insurance – 91%
3. State Farm – 90%
4. Nationwide – 90%
5. The Hartford – 89%
6. GEICO – 89%
7. 21st Century – 88%
8. Liberty Mutual – 88%
9. Allstate – 88%
10. The General – 88%

Company comparison: Geico vs State Farm vs Progressive vs Allstate

If you’re looking for the best car insurance for high risk drivers in Idaho, four companies to consider are Geico, State Farm, Progressive, and Allstate. All offer liability and physical damage insurance, but each one has unique options and discounts that may influence which company you choose. The following table points out ratings and policy coverage options that are available from each company.