"Hang tight, it'll level out eventually..."
Yeah, this is pretty spot-on. A DUI in Idaho usually spikes your insurance rates by around 60-80% initially, sometimes even doubling depending on your insurer and previous record. Couple things to keep in mind:
- Expect the highest rates for about two to three years, then it gradually eases off.
- Definitely shop around—some companies are way more forgiving than others.
- Consider taking a defensive driving course; some insurers offer discounts for that, even after a DUI.
Been there with a friend too...it's rough at first but manageable if you're proactive.
Yeah, that's pretty accurate advice. I'd also add—check if your insurer offers any kind of telematics or mileage-based programs. Buddy of mine had a DUI and switched to one of those pay-per-mile deals since he wasn't driving much anyway. Saved him a decent chunk each month. Might not be ideal if you're daily-driving a classic, but worth looking into if you've got another car for regular use...
Good call on the mileage-based programs, but do you know if those telematics things penalize you for late-night driving or sudden braking? Heard mixed things about that. I had a DUI a couple years back and my rates jumped pretty high at first, but after shopping around and taking a defensive driving course, it wasn't as bad as I expected. Anyone know if Idaho insurers offer discounts for those classes after a DUI? Might be worth checking into...
"Anyone know if Idaho insurers offer discounts for those classes after a DUI?"
Yeah, most Idaho insurers do give discounts for defensive driving courses, especially after something like a DUI. I had a reckless driving charge myself and did one of those online classes—saved me around 10-15% depending on the insurer. Definitely shop around though; some companies weigh DUIs differently and you might find surprisingly affordable options if you put in the legwork. Can't speak much about telematics, but honestly, I'd avoid them—too many ways for them to ding you over minor stuff...
Had a friend with a DUI a couple years back in Idaho, and he said the spike was pretty rough at first—almost double his original rate. But after taking one of those defensive driving courses, he did get a noticeable break. Still pricey, but better than nothing. I'd definitely check around though, since some insurers handle DUIs differently. Curious if anyone found luxury or specialty insurers more forgiving with stuff like this...
