Cheapest SR-22 Car Insurance in Idaho (August 2024)


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Updated: September 26, 2024

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An SR-22 is a certification of financial responsibility, not an actual insurance policy. In Idaho, you or your insurer file this form after certain moving violations, such as a DUI. While the SR-22 itself doesn't change your rates, the infractions necessitating it can lead to higher premiums for minimum coverage auto insurance.

For those needing minimum coverage SR-22 car insurance in Idaho, the two most affordable companies are State Farm, with an average annual rate of $233, and American National P&C, with an average annual rate of $305. For non-owner SR-22 car insurance, the two cheapest liability-coverage options are Auto-Owners, with an average annual premium of $146, and State Farm, with an average annual premium of $236.

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2024

Cheapest Companies for SR-22 Car Insurance in Idaho

Why Trust MoneyGeek? We obtained data from the Idaho Department of Insurance and Quadrant Information Services to determine the most affordable SR-22 insurance companies for various driver profiles.

22,176Quotes Analyzed
 
12Companies Compared
 
21ZIP Codes

Cheapest SR-22 Car Insurance in Idaho

The cheapest companies for minimum coverage SR-22 car insurance in Idaho are:

  • State Farm: $19 per month; $233 per year
  • American National P&C: $25 per month; $305 per year

The least expensive providers for full coverage SR-22 insurance in Idaho are:

  • State Farm: $46 per month; $554 per year
  • American Family: $58 per month; $697 per year

After a moving violation, expect to pay more for car insurance as insurers see you as a high-risk driver. Yet, affordable cheap SR-22 car insurance is within reach by comparing quotes. Whether you need state minimum coverage or full coverage car insurance, it's wise to look for the cheapest provider to save money.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:State Minimum Liability Only
Driving Record:
Driving Record:DUI
State FarmAnnual Premium$233Monthly Premium$19
American National P&CAnnual Premium$305Monthly Premium$25
American FamilyAnnual Premium$344Monthly Premium$29
FarmersAnnual Premium$497Monthly Premium$41
Idaho Farm BureauAnnual Premium$628Monthly Premium$52
TravelersAnnual Premium$640Monthly Premium$53
AllstateAnnual Premium$726Monthly Premium$61
Auto-Owners Insurance CoAnnual Premium$776Monthly Premium$65
DairylandAnnual Premium$910Monthly Premium$76
GEICOAnnual Premium$1,036Monthly Premium$86
NationwideAnnual Premium$1,218Monthly Premium$102
Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Cheapest Non-Owner SR-22 Car Insurance in Idaho

The companies with the cheapest non-owner SR-22 insurance in Idaho are:

  • Auto-Owners: $12 per month; $146 per year
  • State Farm: $20 per month; $236 per year

Non-owner car insurance can fulfill the state minimum coverage requirements for individuals who need to file an SR-22 but do not own a vehicle. This is often due to a license suspension, revocation or serious traffic infractions. For non-owner drivers, it's crucial to find the most affordable policy that meets their needs, ensuring they comply with legal requirements without overpaying.

Auto-Owners Insurance CoAnnual Premium$146Monthly Premium$12
State FarmAnnual Premium$236Monthly Premium$20
AlliedAnnual Premium$333Monthly Premium$28
NationwideAnnual Premium$333Monthly Premium$28
GEICOAnnual Premium$405Monthly Premium$34
TravelersAnnual Premium$451Monthly Premium$38
FarmersAnnual Premium$529Monthly Premium$44
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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance offers liability coverage for those who drive often but don't own a car. This includes rental car drivers and rideshare workers. It helps pay for injuries and damage you cause in an accident.

Non-owner car insurance in Idaho is typically more affordable than standard insurance. Compare quotes from different insurers to get the best price.

What Is SR-22 in Idaho?

An SR-22 in Idaho is a certificate of financial responsibility that proves you carry the state minimum car insurance. You or your insurer file the form. If you've committed a serious traffic violation like a DUI, driving without insurance or repeat traffic offenses, you may need to maintain an SR-22 for one to three years. Insurance companies are required to inform Idaho's Public Safety Department if your SR-22 has been canceled, terminated or lapsed.

An SR-22 insurance verifies that you have minimum car insurance requirements, including:

  • $20,000 for bodily injury liability per person
  • $50,000 for bodily injury liability per accident
  • $15,000 for property damage liability per accident

Even without a car, you'll need SR-22 non-owner car insurance. Remember, your insurance card isn't a replacement for an SR-22.

Who Needs an SR-22 in Idaho?

Drivers in Idaho may need to file an SR-22 through their insurance company after certain traffic violations. This form proves you carry the state minimum coverage auto insurance, which is necessary to keep your driving license. Common violations that lead to this requirement include DUI, driving without insurance and severe traffic offenses. The filing period typically lasts from one to three years. If you cancel your policy, your insurer will notify the state.

These are the convictions that require an SR-22:

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    DUI Conviction

    A DUI conviction in Idaho requires SR-22 insurance to prove you have the state minimum coverage.

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    Driving Without Insurance

    If you're caught driving without minimum coverage in Idaho, you'll need to file an SR-22 form.

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    Major Traffic Violations

    Major traffic violations in Idaho can lead to the need for SR-22 insurance filing.

How an SR-22 Impacts Your Car Insurance in Idaho

An SR-22 in Idaho can lead to higher insurance rates and limited coverage options. Insurance companies may also deny coverage or cancel your policy mid-term after you file for an SR-22. It's vital to keep your insurance active without breaks. Any coverage gap can reset the three years you must carry an SR-22 requirement. Understanding these consequences helps drivers avoid further issues and ensures they meet state requirements.

These are the ways an SR-22 negatively impacts your car insurance in the Gem State:

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    Limited number of insurance options

    High-risk drivers in Idaho may find fewer insurance providers willing to offer coverage, potentially leading to higher premiums and limited choices.

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    Possible policy cancellation

    Upon filing an SR-22, Idaho insurers may cancel your policy mid-term or decide not to renew it, requiring you to seek a new provider.

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    Long period of required filing

    Idaho mandates that you maintain SR-22 coverage for one to three years from the date of your qualifying conviction, ensuring continuous minimum liability coverage.

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    Filing fees

    Filing an SR-22 in Idaho comes with a one-time fee, typically around $25, adding to the financial impact of the filing.

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WHAT TO DO IF NO ONE WILL INSURE YOU

For high-risk drivers with violations, nonstandard auto insurance is often the go-to choice. Although it typically costs more than standard policies, it provides a necessary coverage option for those who might otherwise be uninsurable.

Average Cost of SR-22 Car Insurance in Idaho

Drivers with a DUI in Idaho pay an average of $1,339 annually for full coverage SR-22 car insurance and $665 for state minimum coverage. In comparison, those with a clean driving record pay around $815 per year for full coverage and $390 for state minimum coverage. The severity of your offense significantly impacts your premiums.

The violations, not the SR-22 certificate, increase your rates. Those with repeat offenses or severe violations may face nonrenewal or higher rates at renewal. The SR-22 certificate is required for one to three years and mandates minimum liability coverage of 25/50/15.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:State Minimum Liability Only
CleanAnnual Premium$390Monthly Premium$33
Speeding TicketAnnual Premium$456Monthly Premium$38
At-fault AccidentAnnual Premium$519Monthly Premium$43
DUIAnnual Premium$665Monthly Premium$55

How to Get SR-22 Car Insurance in Idaho

Filing an SR-22 in Idaho is crucial for drivers with serious violations like DUI. It's a non-negotiable legal requirement. Failure to comply leads to severe consequences, including loss of driving privileges. The mandate lasts from one to three years, ensuring you carry minimum coverage insurance. Here are the steps to file an SR-22 in Idaho:

1
Determine if you need an SR-22

If you've committed a DUI, were caught driving without insurance or have serious traffic offenses in Idaho, you may be required to file an SR-22, which is ordered by a municipal court. This form proves you have minimum coverage auto insurance.

2
Contact your insurance provider

Reach out to your current insurer to request an SR-22 filing. It will prepare the necessary documentation to certify that you carry the state's required minimum coverage.

3
Review your coverage

Ensure your auto insurance meets Idaho's minimum liability coverage requirements of 25/50/15. If not, you'll need to adjust your policy accordingly.

4
File the SR-22 form

Your insurance company will file the SR-22 form with the Idaho Department of Motor Vehicles. Some insurers charge a fee for this service, typically around $15–25.

5
Verify filing and maintain coverage

Confirm with the DMV that your SR-22 has been accepted. You must maintain the minimum coverage without lapse, usually for one to three years, depending on the court's order.

6
Check for insurer notifications

If your policy has been canceled or lapsed, your insurer is required to notify the Idaho DMV. To avoid license suspension, promptly address any gaps in coverage.

If your SR-22 in Idaho lapses, your driving privilege will be resuspended. You must have an SR-22 to show you carry the state minimum coverage. The insurance company will tell Idaho if your SR-22 stops. To drive legally again, you'll need a new SR-22.

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FINANCIAL RESPONSIBILITY CANCELLATION FORM

Once you complete the mandatory two years of SR-22 coverage in Idaho, your insurance provider will file a financial responsibility cancellation form. This form tells the state you've met the minimum coverage requirement after certain driving offenses, like a DUI.

How to Save on Car Insurance in Idaho After a Violation

A DUI on your record can raise your car insurance costs. For instance, a 30 to 59-year-old with a clean record pays an average annual premium of $390 for car insurance after a DUI; those with a DUI pay around $665 per year.

Despite this, affordable options are still within reach. Idaho drivers needing an SR-22 can find cheaper rates by shopping around.

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    Complete DUI classes or programs

    Enrolling in state-recommended DUI education after a DUI can improve your driving record. Although you will not receive better rates because you completed the class, this shows insurers that you're taking steps to avoid future incidents.

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    Look for discounts

    Even post-DUI, you might still qualify for car insurance discounts. Ask your provider about savings for bundling policies, installing safety equipment, insuring multiple vehicles, paying in full or discounts for electronic billing.

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    Compare car insurance quotes

    Post-violation, compare auto insurance quotes. Providers offer different rates for minimum coverage, so shop around to find an affordable plan.

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    Increase deductibles

    Opting for a higher deductible, which only applies to full coverage policies with collision and comprehensive insurance, can reduce your monthly premium. Assess your finances to see if you can handle a larger out-of-pocket expense in the event of a claim.

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    Consider usage-based insurance

    Usage-based insurance telematics track driving behavior and mileage via a mobile app. Safe, limited driving after a DUI can demonstrate responsibility, potentially reducing rates over time.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

FAQ: SR-22 Insurance in Idaho

Finding affordable SR-22 car insurance in Idaho can be challenging. Here are answers to common questions about securing the cheapest coverage.

What are the cheapest SR-22 car insurance options in Idaho?
How much does filing an SR-22 increase car insurance rates in Idaho, on average?
How long do you need to have an SR-22 in Idaho?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.