State Farm provides the cheapest SR-22 insurance in Idaho at $45 monthly for minimum coverage and $91 for full coverage, 47% lower than the state's average overall. However, this only represents 40-year-old drivers with a DUI on record and American National, Grange, Farmers and Travelers may provide more affordable rates for your profile.
Cheapest SR-22 Car Insurance in Idaho
Updated: September 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
State Farm provides the most affordable SR-22 insurance in Idaho, with premiums averaging $45 per month or $544 per year for drivers needing cheapest auto insurance rates.
Idaho motorists filing an SR-22 pay an average of $82 monthly for minimum coverage and $155 per month for full coverage, according to Idaho car insurance costs.
Idaho requires SR-22 insurance to cover $25,000 per person and $50,000 per accident for injuries, plus $15,000 for property damage if your license is suspended.
Cheapest SR-22 Car Insurance in Idaho
| State Farm | $45 | $91 | -47% |
| American National | $53 | $115 | -34% |
| Grange | $60 | $138 | -22% |
| Farmers | $72 | $145 | -15% |
| Travelers | $77 | $145 | -12% |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
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Cheapest SR-22 Car Insurance in Idaho by Category
State Farm offers the lowest rates in five out of seven violation categories in Idaho. GEICO provides better rates for drivers with multiple speeding tickets and American National leads for other violations.
| Most Drivers Needing a SR-22 | State Farm | $45 | $91 |
| Young Drivers With a Suspension | State Farm | $54 | $113 |
| Senior Drivers With a Suspension | State Farm | $43 | $85 |
| Drivers With Multiple Speeding Tickets | Geico | $36 | $72 |
| Drivers With Racing Violation | State Farm | $36 | $78 |
| Drivers With Hit-And-Run Accident | State Farm | $45 | $90 |
| Drivers With Other Violations | American National | $35 | $78 |
* 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.
Cheapest Personalized SR-22 Car Insurance in Idaho
Our analysis covers general winners across common categories, but finding your cheapest insurance depends on personal factors. Check the table below for the five most affordable providers based on your age, gender, coverage needs, credit and driving history.
Data filtered by:Results filtered by:
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Age:25
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Gender:Female
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
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Credit Score:Below Fair
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Driving Record: 2 speeding tickets (11-15 MPH over limit)
| Geico | $96 | $1,149 | -50% |
| State Farm | $148 | $1,780 | -23% |
| Travelers | $185 | $2,221 | -4% |
| Allstate | $199 | $2,389 | 3% |
| Farmers | $243 | $2,918 | 26% |
Cheapest SR-22 Car Insurance in Idaho by City
State Farm provides the most affordable SR-22 car insurance across Idaho cities, with rates starting at $30 monthly, depending on your location. You can review its rates for major cities in Idaho below.
| Boise | State Farm | $48 |
| Caldwell | State Farm | $55 |
| Declo | State Farm | $37 |
| Georgetown | State Farm | $30 |
| Meridian | State Farm | $50 |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Best Cheap SR-22 Car Insurance Companies in Idaho
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.
| State Farm | 4.49 | 1 | 4 | 6 |
| Travelers | 4.40 | 5 | 2 | 4 |
| Grange | 4.21 | 3 | 9 | 2 |
| American National | 4.20 | 2 | 9 | 6 |
| Farmers | 4.19 | 4 | 8 | 1 |
State Farm
Best Overall for SR-22 Insurance in Idaho
5/5Affordability
4/5Customer Experience
2.9/5Coverage Options
Average Monthly Full Coverage Cost
$91For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for drivers with an SR-22Average Monthly Minimum Coverage Cost
$45For minimum state coverage for drivers filing an SR-22Best For
Most Drivers Needing a SR-22
How Much Is SR-22 Car Insurance in Idaho?
SR-22 car insurance in Idaho costs $989 annually for minimum coverage and $1,860 for full coverage policies. Idaho ranks 4th nationally for minimum coverage affordability and leads the country with the most affordable full coverage rates. Monthly premiums vary considerably based on individual driver profiles, ranging from $51 to $427.
| Minimum Coverage | $82 | $989 | -53% |
| Full Coverage | $155 | $1,860 | -53% |
*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Average SR-22 Car Insurance Cost by Idaho City
Our analysis shows Georgetown offers the lowest SR-22 insurance rates in Idaho at $72 monthly, while Caldwell has the highest at $89 per month. Below you can review costs for major cities in the state for both full and minimum required coverage policies.
Data filtered by:Results filtered by:
Select
Coverage Type:Minimum Coverage
| Boise | $86 | $1,028 |
| Caldwell | $89 | $1,063 |
| Declo | $75 | $901 |
| Georgetown | $72 | $861 |
| Meridian | $85 | $1,023 |
* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Idaho SR-22 Insurance Requirements
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."
TYPES OF SR-22 FILINGS
Idaho drivers can choose a comprehensive solution through an SR-22 Operators-Owner Certificate. This joint filing combines the benefits of both traditional and non-owner policies, providing coverage whether you're driving your own vehicle or someone else's. This option proves particularly useful for drivers who regularly operate multiple vehicles.
Other Idaho SR-22 Insurance Laws and Regulations
While filing an SR-22 helps meet Idaho's basic insurance requirements, drivers should know about additional regulations that affect their coverage.
- First offense: one-year SR-22 requirement.
- Second offense within five years: two-year suspension with continued SR-22 requirement.
- Third offense within five years: three-year suspension with continued SR-22 requirement.
SR-22 Filing and Reinstatement Fees
SR-22 filing fees in Idaho range from $15 to $25, while license reinstatement fees range from $85 to $235, based on the violation type. Idaho offers payment plans for fees exceeding $200, making costs more manageable for drivers.
Coverage Lapses and Cancellations
If your SR-22 insurance lapses or gets canceled, your insurance company must notify the Idaho Transportation Department immediately. Your license will be suspended again until you file a new SR-22 and satisfy all reinstatement requirements.
SR-22 Duration Requirements
Idaho requires SR-22 insurance for three years. This can extend to five years for serious violations involving injuries, death or substantial property damage. For non-driving related suspensions, the requirements are:
SR-22 Filing Process
To file an SR-22 in Idaho, contact an insurance company licensed to operate in the state and purchase a policy meeting Idaho's minimum requirements. The insurance company files the SR-22 electronically with the Idaho Transportation Department, with processing typically completed within 72 hours.
WHAT TO DO IF PROVIDERS DENY YOU COVERAGE
Idaho drivers who need SR-22 insurance or have been denied coverage still have options for finding auto insurance. While Idaho doesn't operate its own high-risk insurance program, residents can work with the Western Association of Automobile Insurance Plans (WAAIP) to find coverage. Several private insurance companies in Idaho also specialize in covering high-risk drivers, offering alternatives to those who have been denied elsewhere.
Cheap SR-22 Insurance in Idaho: Bottom Line
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.
SR-22 Insurance Idaho: FAQ
Below are frequently asked questions about SR-22 certifications in Idaho:
What are the cheapest SR-22 car insurance options in Idaho?
State Farm provides Idaho's cheapest SR-22 car insurance, averaging $45 monthly for minimum coverage. American National and Grange follow as the next most budget-friendly options.
How much does filing an SR-22 increase car insurance rates in Idaho?
Filing an SR-22 increases car insurance rates in Idaho by 53% compared to drivers with clean records.
How long do you need to have an SR-22 in Idaho?
In Idaho, drivers must maintain an SR-22 and continuous insurance coverage for three years. Letting coverage lapse will restart the SR-22 period and may lead to additional penalties.
How We Decided the Best and Cheapest SR-22 Insurance 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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive insurance reviews." Accessed July 14, 2025.
