Cheapest Car Insurance Quotes After a Speeding Ticket in Idaho

Cheapest Car Insurance Quotes After a Speeding Ticket in Idaho

When shopping for the cheapest insurance after a few driving violations, one of the many factors that help determine the amount you pay for auto insurance is where you choose to live. Areas with more people like Moscow, Ammon, and Idaho Falls tend to have more expensive car insurance rates, whereas more rural areas generally benefit from lower insurance rates.

The next table sorts the highest-priced areas in Idaho after a speeding ticket to purchase a policy in.

Idaho cities ranked by car insurance cost
Rank City Premium Per Year
1 Moscow $1,116
2 Lewiston $1,089
3 Ammon $1,089
4 Sandpoint $1,077
5 Idaho Falls $1,076
6 Chubbuck $1,068
7 Pocatello $1,067
8 Burley $1,062
9 Rexburg $1,053
10 Blackfoot $1,042
11 Caldwell $1,039
12 Hailey $1,031
13 Twin Falls $1,029
14 Jerome $1,025
15 Nampa $1,015
16 Hayden $1,011
17 Post Falls $1,011
18 Coeur d’Alene $1,008
19 Eagle $996
20 Garden City $990
Start a Quote Go

Premium amounts are approximated as the specific garaging location can affect coverage prices significantly.

Cost and performance of the vehicle needing coverage is one of the largest considerations when comparing the cheapest car insurance after a speeding ticket in Idaho. Vehicles with lots of speed or power, poor safety features, or a track record of large liability claims will cost significantly more to insure than more economical and safe models. The tables below features coverage costs for a handful of the cheapest automobiles to insure in Idaho.

Car Insurance Rates for Popular Cars in Idaho
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $1,096 $548 $91
Ford Focus SEL 4-Dr Sedan $1,114 $557 $93
Ford Fusion Hybrid 4-Dr Sedan $1,362 $681 $114
Honda Accord EX-L 2-Dr Coupe $1,230 $615 $103
Honda Civic LX-S 4-Dr Sedan $1,114 $557 $93
Hyundai Sonata SE 4-Dr Sedan $1,210 $605 $101
Nissan Altima 2.5 4-Dr Sedan $1,076 $538 $90
Toyota Corolla XRS $1,156 $578 $96
Volkswagen Jetta SE 4-Dr Sedan $1,156 $578 $96
Get a Custom Quote for Your Car Go

Data assumes single female driver age 30, two speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in garaging location in Idaho which can modify coverage prices significantly.

Car Insurance Rates for Popular SUVs and Crossovers in Idaho
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX with Tech Package 4WD $1,178 $589 $98
Buick Enclave XL AWD $1,178 $589 $98
Cadillac Escalade Platinum Edition 4WD $1,484 $742 $124
Chevrolet Traverse LTZ AWD $1,010 $505 $84
Ford Escape XLS 4WD $910 $455 $76
Ford Expedition SSV 4WD $1,010 $505 $84
Ford Explorer Limited 4WD $1,096 $548 $91
GMC Acadia SLE 2WD $1,018 $509 $85
Honda CR-V EX 4WD $932 $466 $78
Honda Pilot Touring 2WD $1,096 $548 $91
Hyundai Tucson GLS 4WD $1,018 $509 $85
Jeep Grand Cherokee Laredo 4WD $1,076 $538 $90
Toyota 4Runner SR/5 4WD $1,010 $505 $84
Toyota Highlander Sport 2WD $1,096 $548 $91
Toyota RAV4 2WD $1,076 $538 $90
Get a Custom Quote for Your SUV or Crossover Go

Table data represents single female driver age 30, two speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in specific Idaho garaging location which can impact premium rates noticeably.

Auto Insurance Rates for Popular Pickup Trucks in Idaho
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $1,156 $578 $96
Chevrolet Silverado LT Extended Cab 4WD $1,076 $538 $90
Dodge Ram 3500 Crew Cab SLT 4WD $1,608 $804 $134
Dodge Ram Quad Cab Sport 2WD $1,252 $626 $104
Ford F-150 Lariat King Ranch 2WD $1,156 $578 $96
Ford F-250 XLT Turbo Diesel 4WD $1,324 $662 $110
Ford F-350 XL Crew Cab Turbo Diesel 4WD $1,528 $764 $127
GMC Sierra 2500HD SLT Crew Cab 2WD $1,312 $656 $109
GMC Sierra Denali Crew Cab 2WD $1,238 $619 $103
Toyota Tundra SR/5 Crew Max 4WD $1,252 $626 $104
Get a Custom Quote for Your Truck Go

Data rating is based on single female driver age 30, two speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in zip code location which can revise auto insurance rates substantially.

Establishing which company has the cheapest auto insurance rates after a speeding ticket calls for a tad more effort in order to find the best policy. Each auto insurance company uses their own formula to establish rates, so let’s rank the overall cheapest auto insurance companies in Idaho.

Keep in mind that Idaho auto insurance rates are determined by lots of factors that control the price of your policy. Simply improving your credit, increasing deductibles, or getting a driving violation can trigger rate changes that may make certain companies cheaper than before.

Cheapest Insurance Rates with Licence Points

Compare Rates and Save

Cheapest Idaho car insurance ranked by price
Rank Company Cost Per Year
1 American National $240
2 Farm Bureau of ID Group $544
3 USAA $552
4 Oregon Mutual $678
5 American Family $699
6 Travelers $700
7 Auto-Owners $742
8 The Hartford $757
9 State Farm $824
10 Nationwide $928
11 Grange $983
12 Allied $990
13 Mutual Enumclaw $1,078
14 GEICO $1,092
15 MetLife $1,095
16 Safeco $1,116
17 Progressive $1,118
18 California Casualty $1,165
19 Liberty Mutual $1,285
20 Allstate $1,508
View More Rates Go

American National generally has some of the cheapest car insurance rates in Idaho at around $240 a year. Farm Bureau of ID Group, USAA, Oregon Mutual, and American Family also are some of the most economical Idaho auto insurance companies.

As shown in the rates above, if you are insured with USAA and switched to American National, you may see an annual premium reduction of around $312. Drivers with Oregon Mutual might save as much as $438 a year, and American Family customers might cut rates by $459 a year.

To find the cheapest car insurance after a speeding ticket in Idaho, click here to begin a quote or click through to the companies below.

Remember that these premium estimates are averages across all insureds and vehicles and do not factor in a rate discount after a speeding ticket. So the insurer that has the cheapest price for you may not even be in the company chart above. That point stresses why you need to get rate quotes using your own specific driver and vehicle information.

What is the best auto insurance company in Idaho?

Picking the highest-rated auto insurance company can be difficult considering how many different companies there are to choose from in Idaho. The ranking data below could help you choose which companies you want to consider when comparing rates.

These rankings are only comprised of large nationwide companies, so companies that have a smaller presence are not included in the list. To get rate quotes from these companies and more, just click here.

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

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. GEICO
  5. Progressive
  6. Liberty Mutual
  7. Allstate
  8. The Hartford
  9. The General
  10. Farmers Insurance

Top 10 Major Auto Insurance Providers in Idaho Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Progressive – A+
  9. The Hartford – A+
  10. The General – A-

Get discount Idaho insurance rates

Discounts on auto insurance after a speeding ticketCar insurance companies that offer the cheapest car insurance after a speeding ticket in Idaho may additionally offer policy discounts that could potentially reduce rates by as much as 30% if you can meet the requirements. A few of the larger companies and a summarized list of policyholder discounts are outlined below.

  • Farmers Insurance may include discounts for early shopping, distant student, switch companies, youthful driver, bundle discounts, and homeowner.
  • State Farm discounts include good driver, accident-free, Drive Safe & Save, good student, driver’s education, multiple autos, and anti-theft.
  • Liberty Mutual may have discounts that include safety features, newly retired, hybrid vehicle, teen driver discount, and new move discount.
  • MetLife policyholders can earn discounts including good student, accident-free, defensive driver, multi-policy, claim-free, good driver
  • Progressive has discounts for continuous coverage, online quote discount, online signing, multi-vehicle, multi-policy, good student, and homeowner.

The chart below illustrates the difference between auto insurance rates with and without discounts applied to the premium. The costs are based on a female driver, one violation and no accidents, Idaho state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with vehicle safety, anti-theft, continuous coverage, multiple policy, passive restraint, and marriage discounts applied. When discounts are applied, the the average yearly reduction on auto insurance after a speeding ticket is 28% or $406.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2091,1503],[‘Age 30’, 1465,1059],[‘Age 40’, 1383,999],[‘Age 50’, 1231,891],[‘Age 60’, 1199,867],[‘Age 70’, 1383,995]]);var options = {title: ‘Insurance Rate Comparison with Discounts After a Speeding Ticket’,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);}

State Farm, Progressive, Geico, and Allstate compared

When shopping for auto insurance after a few driving violations in Idaho, the companies that insure more vehicles than anyone else are State Farm, Progressive, Geico, and Allstate. Combined they make up over 48% of all vehicles in the U.S.. The table below points out ratings for price, service, and claims, in additional to some of the optional coverages that are available from each company.

Largest U.S. Car Insurance Company Ratings
State Farm Progressive Geico Allstate
Policy Discounts 3rd 4th 2nd 1st
Overall Price 2nd 3rd 1st 4th
Handling of Claims 2nd 4th 3rd 1st
Client Satisfaction 4th 3rd 1st 2nd
A.M. Best financial rating A++ A+ A++ A+
New car replacement coverage No No No Yes
Accident forgiveness coverage No Yes Yes Yes
Usage-based rating Yes Yes No Yes
Uber and Lyft insurance Yes Yes Yes Yes
Emergency roadside assistance Yes Yes Yes Yes
Mechnical breakdown No Yes Yes No
Offered in Idaho Yes Yes Yes Yes
Where to buy Only from State Farm agents Online or from independent agents From a Geico agent or online Allstate exclusive agents
Number of agents 18,000+ 30,000+ 150+ 11,000+
Compare Prices Now Go