State Farm is the cheapest SR-22 insurance provider in Idaho, offering minimum coverage at $21 monthly — 64% lower than the state average of $58. It's also the most affordable full coverage option at $51.
Cheapest SR-22 Car Insurance in Idaho
Updated: February 17, 2025
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Cheap Idaho SR-22 Insurance: Key Takeaways
Auto-Owners offers the cheapest non-owner SR-22 insurance in Idaho at just $12 monthly.
On average, drivers pay $58 monthly for minimum coverage and $116 for full coverage SR-22 insurance.
SR-22 insurance in Idaho requires minimum coverage of $20,000 for bodily injury liability per person, $50,000 per accident and $15,000 for property damage.
Cheapest SR-22 Car Insurance in Idaho
| State Farm | $21 | $51 |
| American National | $28 | $77 |
| American Family | $29 | $58 |
| Farmers | $41 | $91 |
| Idaho Farm Bureau | $52 | $122 |
| Travelers | $54 | $109 |
| Allstate | $61 | $107 |
| Auto-Owners | $65 | $133 |
| Dairyland | $83 | $174 |
| GEICO | $88 | $195 |
| Nationwide | $113 | $160 |
Cheapest Non-Owner SR-22 Insurance in Idaho
Auto-Owners offers the cheapest non-owner SR-22 insurance in Idaho at $12 monthly or $146 annually. Drivers needing SR-22 filings without a car can get non-owner insurance to meet state minimum coverage requirements.
The table below lists providers offering non-owner SR-22 insurance and their average costs for minimum coverage.
| Auto-Owners | $146 | $12 |
| State Farm | $236 | $20 |
| Allied | $333 | $28 |
| Nationwide | $333 | $28 |
| GEICO | $405 | $34 |
| Travelers | $451 | $38 |
| Farmers | $529 | $44 |
How Much Is SR-22 Insurance in Idaho?
The average cost of car insurance in Idaho for drivers with an SR-22 is $693 per year for minimum coverage. This is 67% higher than the $416 those with clean records pay.
Full coverage with an SR-22 costs around $1,394 annually, a 62% increase compared to the $861 that drivers with clean records pay.
| Full Coverage | $116 | $1,394 |
| Minimum Coverage | $58 | $693 |
SR-22 FILING FEE IN IDAHO
Insurance providers usually charge an SR-22 filing fee between $15 and $25. It's an extra fee, not part of the minimum coverage premium.
Average Cost of SR-22 Car Insurance in Idaho by Violation
An SR-22 form itself doesn’t increase your insurance rates, but your violation impacts the cost. The table below compares SR-22 insurance prices for common violations across various age groups.
Data filtered by:Results filtered by:
Select
Driving Record:At-fault Accident
Select
Age Group:30-59
| Full Coverage | $1,089 | $91 |
| Minimum Coverage | $519 | $43 |
What Is SR-22 Insurance in Idaho?
An SR-22, often called "SR-22 insurance," is proof that you have minimum coverage auto insurance. In Idaho, drivers with certain violations must file an SR-22 to get their license back. Insurers view these drivers as high-risk, which raises premiums.
Idaho SR-22 Car Insurance Laws
An SR-22, also called an SR-22 bond or certificate of financial responsibility, is often mistaken for an insurance policy. It's a certification your insurer files to prove you meet the reinstatement requirements of Idaho's Financial Responsibility law.
Idaho SR-22 Requirements
After a serious traffic violation, Idaho requires an SR-22 form for three years to confirm you meet the state’s minimum coverage requirements. To comply with SR-22 laws, drivers must meet these minimum limits:
- $25,000 personal injury liability per person
- $50,000 personal injury liability per accident
- $15,000 property damage liability per accident
Why Do I Need SR-22 Insurance in Idaho?
Drivers in Idaho must file an SR-22 to retain or reinstate their licenses after serious driving offenses. Courts typically mandate SR-22 filings for violations such as:
Serious traffic offenses
Drivers with serious traffic offenses often need an SR-22 to show financial responsibility. Non-owner insurance offers coverage for those meeting this requirement without owning a car.
Repeat offenses
Drivers with repeat offenses may be classified as high-risk and required to file an SR-22. Non-owner insurance can help meet this requirement by providing continuous coverage for those who don’t own a vehicle.
Driving without insurance
Driving without insurance can result in an SR-22 filing. Non-owner car insurance helps those needing to prove coverage for future driving privileges.
Driving with a revoked license
Drivers caught operating a vehicle with a revoked license may be required to file an SR-22. Non-owner car insurance helps them meet legal coverage requirements for license reinstatement.
Failure to pay child support
Nonpayment of child support can lead to a suspended license, leading to an SR-22 filing upon reinstatement. Non-owner insurance provides the necessary coverage without owning a vehicle.
How Long Do I Need an SR-22 in Idaho?
In Idaho, SR-22 certificates are usually required for three years.
Idaho SR-22 Rules
Along with using an SR-22 for three years to comply with Idaho's minimum coverage laws, drivers must follow these other rules:
- Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
- Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
- Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
- Relocation: If you move out of Idaho during the SR-22 period, coordinate with your insurer for out-of-state filing.
- Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.
How to Get SR-22 Car Insurance in Idaho
Idaho requires SR-22 filing drivers with serious violations, like driving without a license or reckless driving. Not filing can lead to penalties, including license suspension. Here are the steps to file an SR-22:
- 1
Contact your insurer
Ask your insurance provider to file the SR-22. It knows your policy and can add the form to your coverage.
- 2
Confirm minimum coverage requirements
If you need insurance with an SR-22, ensure your policy meets the state's minimum coverage requirements. Your insurer can help adjust your policy as needed.
- 3
Pay the SR-22 filing fee
Insurers typically charge a fee (between $15 and $25) for filing your insurance with an SR-22 form.
- 4
Verify filing with your insurer
After you pay the fee, your insurer will file the SR-22 form on your behalf. Confirm that all fees have been paid and the form has been filled out correctly and on time.
- 5
Maintain your policy and check for notifications
To prevent legal issues and penalties, keep your insurance active and contact your insurer to ensure your SR-22 is valid for three years.
WHAT TO DO IF NO ONE WILL INSURE YOU
High-risk drivers with violations might explore nonstandard auto insurance. Although it typically costs more than standard policies, it offers coverage for those facing challenges in securing insurance.
SR-22 Insurance Quotes in Idaho
To avoid penalties and reinstate your license after a serious violation, maintain coverage for the entire SR-22 period. You'll need an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be more difficult than for drivers with clean records, as insurers may cancel your policy or deny coverage when you file.
Tips to Get Cheap SR-22 Insurance in Idaho
High-risk drivers may find fewer companies offering coverage, leading to limited choices and higher premiums. When getting an SR-22 insurance quote, check with your insurer for the exact fee if you're filing for the first time. Use the following tips to find cheaper SR-22 insurance:
Tip | Description |
|---|---|
Complete DUI classes or programs | Participating in state-approved DUI programs shows your commitment to safer driving, which can lower premiums from some insurers. |
Look for discounts | Even with a DUI, you might still qualify for discounts. Ask your insurer about bundling policies, completing driving courses, installing car safety features or opting for electronic billing. |
Compare quotes | Since not all insurers offer SR-22 insurance, premiums can be higher due to fewer coverage options. Compare quotes from multiple providers to find more affordable rates. |
Check for high-risk programs | Some insurers have programs for high-risk drivers, which might offer better rates. |
Adjust your coverage | Tailor your coverage to fit your needs and budget. Opting for a higher deductible or reducing optional coverages can decrease your premiums. |
Consider non-owner SR-22 insurance | If you don't own a car, non-owner SR-22 insurance is an affordable way to meet state requirements. |
Non-Owner SR-22 Insurance in Idaho
Non-owner car insurance covers people who drive frequently but don’t own a vehicle. It protects you when driving someone else’s car, covering third-party injuries or property damage if you cause an accident. This type of policy is a good choice for those who rent cars often or drive for rideshare services.
It’s usually cheaper than standard insurance. Comparing insurers can help you find the best rates. After buying a non-owner policy, your insurer can file an SR-22 form to meet state requirements. After three years, you may be eligible to reinstate your license.
Cheap SR-22 Insurance in Idaho: Bottom Line
Drivers with severe offenses must file an SR-22 to meet minimum coverage requirements. For serious or repeat offenses, keep it for three years. Although SR-22 insurance costs more, cheap car insurance providers in Idaho cater to these drivers.
SR-22 in Idaho: FAQ
Below are frequently asked questions about SR-22 certifications in Idaho:
What are the cheapest SR-22 car insurance options in Idaho?
Idaho's cheapest SR-22 car insurance provider is State Farm, offering minimum coverage at $21 monthly, followed by American National and American Family.
How much does filing an SR-22 increase car insurance rates in Idaho?
Filing an SR-22 increases car insurance rates in Idaho by $23 monthly. The average minimum coverage monthly rate for SR-22 drivers is $58, while drivers with a clean record pay $35.
How long do you need to have an SR-22 in Idaho?
In Idaho, you must maintain an SR-22 for three years with continuous minimum auto insurance during this time. Failing to keep coverage can reset the three-year requirement and result in penalties like license suspension.
Best Cheap Idaho SR-22 Car Insurance: Review Methodology
MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance for Idaho drivers of various profiles and needs.
Idaho Driver Profile
We collected data for a sample driver with the following attributes:
- 40-year-old male
- Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
- 2012 Toyota Camry LE
- 12,000 miles driven annually
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
For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits 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
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.