Car Insurance After a DUI in Idaho: Cheapest Companies & Rates (2026)
Quick Answer
A DUI in Idaho increases car insurance rates by an average of 65%, raising a typical full coverage policy from $1,296/year to $2,138/year. That's an increase of $842/year ($70/month). Rates typically return to normal after 3-7 years.
✓ Updated March 2026✓ Based on state insurance filings
DUI Rate Impact in Idaho
Before DUI
$108/mo
$1,296/year full coverage
After DUI (+65%)
$178/mo
$2,138/year full coverage
Cheapest Companies After DUI in Idaho
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $132/mo | $1,582/yr | Military families |
| Erie Insurance | $141/mo | $1,689/yr | Rate lock guarantee |
| GEICO | $146/mo | $1,753/yr | Clean driving record |
| Progressive | $157/mo | $1,881/yr | Telematics savings |
| State Farm | $162/mo | $1,946/yr | Good students |
| Travelers | $169/mo | $2,031/yr | Multiple discounts |
| Nationwide | $185/mo | $2,224/yr | Bundling home + auto |
| Farmers | $192/mo | $2,309/yr | Signal telematics |
| Allstate | $200/mo | $2,395/yr | Accident forgiveness |
| Liberty Mutual | $210/mo | $2,523/yr | New car replacement |
USAACheapest
Monthly
$132/mo
Annual
$1,582/yr
Best for: Military families
Erie Insurance
Monthly
$141/mo
Annual
$1,689/yr
Best for: Rate lock guarantee
GEICO
Monthly
$146/mo
Annual
$1,753/yr
Best for: Clean driving record
Progressive
Monthly
$157/mo
Annual
$1,881/yr
Best for: Telematics savings
State Farm
Monthly
$162/mo
Annual
$1,946/yr
Best for: Good students
Travelers
Monthly
$169/mo
Annual
$2,031/yr
Best for: Multiple discounts
Nationwide
Monthly
$185/mo
Annual
$2,224/yr
Best for: Bundling home + auto
Farmers
Monthly
$192/mo
Annual
$2,309/yr
Best for: Signal telematics
Allstate
Monthly
$200/mo
Annual
$2,395/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$210/mo
Annual
$2,523/yr
Best for: New car replacement
Rates based on a 30-year-old driver with one DUI conviction, Idaho, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Idaho
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Idaho
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Idaho
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $178/mo | +65% |
| Year 1 | $171/mo | +59% |
| Year 2 | $161/mo | +49% |
| Year 3 | $143/mo | +32% |
| Year 5 | $122/mo | +13% |
| Year 7 | $108/mo | Normal |