Cheapest SR-22 Car Insurance in Idaho

State Farm offers Idaho's cheapest SR-22 insurance at $544 for minimum coverage and $1,087 for full coverage. The minimum rate is $711 below the statewide average of $1,256, making State Farm about 57% cheaper than typical SR-22 prices in Idaho.

Travelers, the most expensive on our list, costs $929 for minimum coverage, still 26% below the state average but $385 more than State Farm. Idaho's moderate SR-22 market still shows significant savings for careful shoppers.

The table below shows the five companies with the lowest SR-22 insurance rates in Idaho.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

State Farm most often appears as the cheapest across categories. The least expensive group is Drivers With Other Violations, costing $416 for minimum coverage SR-22 insurance with American National, while the most expensive is Young Drivers With a Suspension, at $653 with State Farm. The $237 spread shows how youth and suspension history increase premiums.

Your exact rate will vary according to the violation on your record and how insurers evaluate your risk level.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Georgetown is Idaho's cheapest city for minimum coverage SR-22 insurance at $357 (State Farm), while Caldwell averages $658 (State Farm). That's a $301 difference, or about 84% higher in the larger city, reflecting urban traffic patterns and claim activity.

Insurers factor in ZIP-code trends like collision frequency and theft when setting SR-22 prices within Idaho.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

State Farm ranks as the best car insurance provider for SR-22 filing because it offers affordable rates, solid customer service and useful coverage options, earning the highest overall MoneyGeek score in Idaho. You should also consider Travelers, Grange, American National and Farmers when comparing SR-22 insurance providers.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

To comply with Idaho laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $15,000 property damage liability per accident

In the state, SR-22 certificates are usually required for 3 years. This period can extend beyond 3 years if there is noncompliance with requirements or repeated offenses."

While filing an SR-22 helps meet Idaho's basic insurance requirements, drivers should know about additional regulations that affect their coverage.

In Idaho, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to 5 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Idaho:

MoneyGeek analyzed hundreds of thousands of quotes across Idaho to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Idaho SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Idaho's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $15,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.