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Which Idaho Insurance Companies Offer the Cheapest SR-22 Insurance?

You’ll need to pay a nominal fee of about $25 to file an SR-22 insurance form with the government. But the actual cost of SR-22 insurance is more expensive because the associated offense is serious. SR-22 insurance costs in Idaho costs $615 per year on average for a minimum policy with DUI. In contrast, without an SR-22 requirement, the rate is $400 per year on average.

For cheap SR-22 car insurance in Idaho, State Farm is a great option, with an average annual price of $313 for minimum DUI coverage. The costliest provider in the state is Allied, with an average cost of $1,092 per year for similar coverage. So, it pays to shop around to find the cheapest rates for SR-22 insurance.

Cheapest Companies for SR-22 Insurance in Idaho

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These costs are for a policy meeting Idaho’s minimum car insurance requirements or a full-coverage policy covering $100,000 in bodily injury liability costs per person, $300,000 per accident and $100,000 in property damage costs. The average cost of car insurance can differ widely between different carriers. It’s ideal to compare at least three companies’ prices to find the most affordable premiums for your needs.

Those not focused on price can also shop for the best car insurance in Idaho.

Key Takeaways

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You only need to pay a nominal fee of around $25 to file your SR-22 insurance form.

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The actual cost of an SR-22 insurance policy is much higher, and you’ll also lose access to “good driver” discounts.

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A severe violation like a hit-and-run collision can significantly increase Idaho car insurance premiums for SR-22 insurance.

What Is SR-22 Insurance in Idaho? Who Needs It? How Do You Get It?

An SR-22 is not a type of car insurance coverage. It refers to the form your insurer needs to file on your behalf that certifies you meet your state’s minimum car insurance requirements. This form is necessary for drivers who commit a serious traffic violation, like a DUI or driving while uninsured. Idaho requires car insurance firms to file SR-22 forms for you electronically. Check with your carrier about their regulations. To save money, you can look for cheap DUI insurance.

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Idaho drivers convicted of a serious traffic violation need to prove they meet the state’s minimum liability coverage standards. These requirements include:

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

Read more with MoneyGeek's Idaho car insurance resources or estimate rates with our Idaho car insurance calculator.

Who Needs SR-22 Insurance in Idaho? And for How Long Do They Need It?

Traffic offenses that lead to an SR-22 insurance requirement differ for each state. Idaho regulations stipulate that SR-22 coverage is a necessity for a driver who commits any of the following serious violations:

  • Driving with a suspended license
  • DUI
  • Driving without insurance coverage
  • Reckless driving

Drivers in Idaho looking for insurance after an accident or ticket can compare quotes to find affordable coverage. For minor violations, an SR-22 is not necessary.

If you want to know how long you need SR-22 insurance in Idaho, the answer is generally three years for most convicted drivers. But this period also depends on the seriousness of the violation.

How Do You Get SR-22 Insurance in Idaho?

Idaho stipulates that a convicted driver’s car insurance company file the SR-22 form on their behalf. But the final decision to perform this task depends on the insurer. Some auto insurance companies may decline, as they may place the driver in a high-risk category. Those who manage to get SR-22 coverage need to pay higher car insurance rates than drivers with a clean record.

Non-Owner SR-22 Insurance in Idaho

Committing a major violation in Idaho can lead to the suspension of your driver’s license. To get it reinstated, you’ll have to pay the necessary fines and may need to file an SR-22 to show proof of coverage.

An option worth taking into consideration is opting for a non-owner car insurance policy instead of a traditional one if you don’t own a car. It’s less expensive and gives you the necessary liability insurance coverage, making it the ideal choice if you regularly borrow a friend’s or a family member’s car. It’s also a good alternative if you frequently rent a vehicle.

Drivers in Idaho, on average, pay $388 per year for non-owner car insurance. Policy rates, however, vary between insurance companies. Based on MoneyGeek’s study, USAA offers the lowest rate for a non-owner car insurance policy, costing $184 per year on average. Their policies, however, are only available to present and former members of the military and their families. State Farm, which offers the second cheapest policy with an average annual premium of $271, is widely available.

The Average Cost of Non-Owner SR-22 Car Insurance in Idaho

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Idaho rates were calculated using a policy covering $100,000 in bodily injuries in a covered accident, with a $50,000 limit for each person and $50,000 in property damage for a driver with a DUI on his record.

FAQs About SR-22 Insurance in Idaho

In this section, you’ll find the answers to some frequently asked questions about SR-22 insurance in Idaho. If you’re looking for information about the filing process, you’re in the right place.

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MoneyGeek analyzed car insurance premiums from 10 of the top insurance companies in Idaho that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Idaho. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full-coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.

About Mark Fitzpatrick

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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.