Young Drivers Insurance in Idaho: What You Need To Know

Young drivers in our neighbor state, Idaho, have similar policies and restrictions in terms of insurance.

Idaho ultimately has lower premiums EXCEPT when it comes to young drivers. Idaho offers one of the highest premium jumps when adding a new driver to your plan.

We talk about young drivers insurance in Idaho here, and there are some important pieces of information when it comes to a new driver in Idaho. Idaho has a specific Graduated Drivers License program (GDL) very similar to Washington and Oregon. This program helps to limit high risk driving situations for the teen driver, while increasing parental involvement and supervision. This program helps promote safe drivers in Idaho, who will need insurance. In Idaho similar to most states, the Graduated Driver Licensing (GDL) program allows young drivers to gradually develop driving experience and skills in three stages. Its a great program for encouraging safe new drivers.

There is a great video on Youtube that discusses the reasons young drivers are high risk.  Many of the sites in a search for Idaho Young Drivers Insurance will claim that they have super low rates, or the cheapest premiums. In reality, young drivers are going to be more expensive, especially in Idaho compared to other states. Its the reality of the risks having a young driver.

The first thing you can do when you have a new or young driver in Idaho is add them to your existing plan, rather than getting them an individual plan. In the first 6 months, new drivers 2-3 times more likely to be involved in a fatal crash. Young drivers are just high-risk and more expensive. But, once you get out of the first year, your rates should go down if the driver proves to be a safe driver. Luckily, Idaho offers a number of discounts available to help with this cost jump. Depending on the driver and parents, we can look together at some of the discounts offered such as the good student discount. This usually involves drivers under 25 with an average of Bs or higher. College students with a 3.0 grade point average, on the Dean’s list or honor roll also may qualify.

The video below also offer some great tips that help reduce the costs of young drivers insurance in general, which are also true for Idaho.