Cheapest SR-22 Car Insurance in Idaho (2024)

Based on MoneyGeek’s analysis, State Farm offers the most affordable SR-22 insurance in Idaho, with an average annual rate of $171 for minimum and $412 for full coverage. Meanwhile, Auto-Owners Insurance Co and State Farm are the cheapest options for non-owner drivers at roughly $146 per year and $236 per year, respectively.

In Idaho, you need to file an SR-22 form after committing a serious infraction like a DUI. Filing the form alone doesn’t affect rates, but most offenses requiring an SR-22 significantly impact premiums. Shopping around and comparing multiple quotes can help lower your insurance costs.

The following companies offer Idaho drivers with a DUI on their records the most affordable minimum coverage SR-22 insurance:

• State Farm: $171 per year
• American National P&C: $207 per year

Similarly, the following companies offer the least expensive full coverage SR-22 policies in the state:

• State Farm: $412 per year
• American National P&C: $484 per year

Insurance carriers tend to view drivers with violations as high risk and charge them higher premiums. Even so, you can find affordable coverage by comparing rates. The table below lists the cheapest SR-22 car insurance in Idaho, with rates ranging from $171 to $945 per year.

An SR-22 is a mandated certificate of financial responsibility, not a type of car insurance coverage. It’s typically required if you:

• Commit a DUI, DWI or other severe traffic violation
• Incur multiple driving offenses in a short period
• Get into an accident without adequate insurance
• Are caught driving without insurance
• Want to restore a suspended or revoked license

The length of time you need to maintain an SR-22 depends on the severity of the offense, with repeat offenses requiring extended filing periods. In Idaho, you must keep an SR-22 on file for one year after your first offense and three years after each subsequent offense.

Your insurance provider will generally file an SR-22 on your behalf. Having an SR-22 can significantly impact your rates as you are considered risky to insure.

The following companies offer the cheapest SR-22 non-owner car insurance policies in Idaho:

• Auto-Owners Insurance Co: $146 per year
• State Farm: $236 per year

Those with military affiliation can consider USAA, another affordable option with policies costing an average of $239 per year.

Depending on the circumstances, non-owner drivers may be required to file an SR-22. Such instances include if the driver has a serious offense on their record or needs to get their license reinstated. The table below lists the cheapest non-owner SR-22 car insurers in Idaho, with rates ranging between $146 and $529 per year.

On average, SR-22 car insurance in Idaho for drivers with a DUI costs $512 per year for minimum coverage and $1,092 per year for full coverage. Note that other driving violations, such as speeding tickets or at-fault accidents, may also require filing an SR-22 and significantly impact your auto insurance premiums.

Driving violations requiring an SR-22 increase your premiums, along with other factors, such as your location and driving history. For instance, Idaho drivers pay $209 more for SR-22 coverage after a DUI conviction.

Common reasons for filing an SR-22 include driving without insurance, having multiple traffic violations, driving under the influence or not paying court-ordered child support.

Filing an SR-22 in Idaho can result in higher premiums, affect your insurance options and even cause a policy cancellation. We detail the possible consequences of filing this form in the list below.

If you need SR-22 insurance, check whether your provider offers SR-22 form filings. If so, request that the insurer file the form on your behalf. If not, it’s best to take the following steps:

1. Look for a company that offers car insurance to drivers with violations on their records.
2. Purchase a policy that meets Idaho’s minimum liability requirements.
3. Ask your insurer to file an SR-22 form on your behalf to prove that you meet the state minimum coverage requirements.
4. Pay any required fees and keep the SR-22 form up to date.

Purchasing insurance with a DUI on your driving record will likely be expensive. Following these steps can potentially reduce your total costs:

The following answers to frequently asked questions can help you better understand SR-22 insurance in Idaho.