Who Has Cheap Auto Insurance Quotes for Felons in Idaho?

Anytime the topic is car insurance, the word “cheap” should never be used anywhere in the article to describe car insurance prices. It’s just reality that cheap auto insurance for felons can be difficult to find. Don’t let that ruin your day, because we are going to show you some ways you can still find insurance that may not be cheap, but it is affordable.

Buying reasonably-priced auto insurance is difficult, and deciding which company offers the cheapest car insurance rates for felons will take a bit more work.

Every insurance provider uses slightly different criteria to set premium rates, so we’ll go over the car insurance companies with the most affordable rates in Idaho. It’s a good idea to know that Idaho car insurance rates are impacted by many things which can substantially change your annual premium. Simply having another birthday, buying a newer car, or having an at-fault accident may prompt premium changes that can cause some rates to be more expensive than others.

Lowest Insurance Price Quotes for Felons

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American National quotes some of the lowest car insurance rates in Idaho at around $237 annually. Farm Bureau of ID Group, USAA, Oregon Mutual, and Travelers are also some of the cheaper Idaho auto insurance companies.

In the above rates, if you buy coverage from USAA and switched to American National, you might see a yearly savings of roughly $299. Customers with Oregon Mutual may save as much as $441 a year, and Travelers insureds might reduce rates by $463 a year.

To get a fast rate comparison, click here to start a quote or click several companies below for low rates.

Bear in mind that those premium estimates are averaged across all drivers and vehicles and and are not calculated with a price discount for felons. So the company that can offer you the best rate may not even be featured in the above list. That affirms the importance of why you need to get quotes using your own driver and vehicle profiles.

The cost and performance of the vehicle you are buying coverage for is probably the biggest factor when shopping for the cheapest car insurance for felons. Vehicles with lots of speed or power, poor crash test ratings, or a track record of large liability claims will cost substantially more to insure than more economical and safe models.

The next tables showcases car insurance costs for the most economical vehicles to buy coverage for.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rates do not factor in zip code location which can affect price quotes considerably.

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can affect premium rates greatly.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Prices do not factor in Idaho location which can affect auto insurance rates noticeably.

One of the many things that influence a rate quote is where you keep your vehicle in Idaho. Regions with larger populations or more claims like Sandpoint, Idaho Falls, and Chubbuck tend to pay higher rates, whereas areas with less congestion have the enjoyment of a little cheaper coverage.

The table below shows the most costly cities in Idaho for felons to purchase a policy in.

Premium costs are approximated as specific Idaho garaging address can lower or raise prices considerably.

Bad driving habits will cost you more

The recommended way to receive cheap car insurance for felons in Idaho is to drive carefully and maintain a clean driving record. The example below demonstrates how traffic citations and at-fault fender-benders drive up car insurance costs for different age groups. The premium estimates are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 1687,1999,2317],[‘Age 30’, 895,1213,1529],[‘Age 40’, 871,1185,1503],[‘Age 50’, 799,1111,1429],[‘Age 60’, 777,1089,1405],[‘Age 70’, 965,1275,1595]]);var options = {title: ‘Accidents, Violations, and Idaho Insurance Premiums’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Idaho’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of auto insurance in Idaho per year with no accidents or violations is $999. Get written up for two speeding tickets and the average cost surges to $1,312, an increase of $313 each year. Then add one accident along with the two speeding tickets and the yearly cost of car insurance for felons goes up to an average of $1,630. That’s an increase of $631, or $53 per month, just for not driving safely!

Get discount Idaho auto insurance rates

Insurers that offer cheap car insurance for felons in Idaho could also offer policy discounts that can lower rates by as much as 25% or more if you are eligible. Popular car insurance companies and their offered discounts can be read below.

• State Farm may offer discounts for Steer Clear safe driver discount, accident-free, anti-theft, multiple autos, Drive Safe & Save, student away at school, and defensive driving training.
• GEICO may include discounts for multi-policy, anti-lock brakes, good student, membership and employees, multi-vehicle, and five-year accident-free.
• Progressive offers discounts including online quote discount, homeowner, online signing, continuous coverage, good student, and multi-vehicle.
• 21st Century has discounts for theft prevention, anti-lock brakes, driver training, good student, and teen driver.
• American Family includes discounts for defensive driver, mySafetyValet, good student, good driver, TimeAway discount, and early bird.
• The Hartford offers discounts for defensive driver, good student, bundle, air bag, vehicle fuel type, anti-theft, and driver training.
• AAA discounts include AAA membership discount, good student, multi-car, anti-theft, multi-policy, and education and occupation.

The information below visualizes the comparison of car insurance rates with and without discounts applied to the policy premium. The premiums assume a female driver, no driving violations, no at-fault accidents, Idaho state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with anti-theft, passive restraint, safe-driver, defensive driving course, claim-free, and vehicle safety discounts applied. In this example, the the average yearly reduction on car insurance for felons is 27% or $354.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 1893,1367],[‘Age 30’, 1317,959],[‘Age 40’, 1223,889],[‘Age 50’, 1071,781],[‘Age 60’, 1035,755],[‘Age 70’, 1203,869]]);var options = {title: ‘Insurance Rate Comparison with Discounts for Felons’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Idaho’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}