Cheapest SR-22 Car Insurance in Idaho (2024)


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ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

Advertising & Editorial Disclosure

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.

MoneyGeek Logo IconCheapest SR-22 InsuranceIdaho
2024

Cheapest Companies for SR-22 Car Insurance in Idaho

Why Trust MoneyGeek? Our team 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

Cheapest Companies for SR-22 Car Insurance in Idaho

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Driving Violation:
Driving Violation:DUI
State FarmAnnual Premium$171Monthly Premium$14
American National P&CAnnual Premium$207Monthly Premium$17
American FamilyAnnual Premium$329Monthly Premium$27
Auto-Owners Insurance CoAnnual Premium$405Monthly Premium$34
FarmersAnnual Premium$497Monthly Premium$41
TravelersAnnual Premium$531Monthly Premium$44
AllstateAnnual Premium$563Monthly Premium$47
Idaho Farm BureauAnnual Premium$584Monthly Premium$49
DairylandAnnual Premium$622Monthly Premium$52
NationwideAnnual Premium$781Monthly Premium$65
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What Is SR-22 in Idaho?

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.

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MONEYGEEK EXPERT TIP

Once you’ve fulfilled the terms of your financial responsibility requirement in Idaho, your insurance carrier must file a Financial Responsibility Cancellation Form. This will notify the state that you have completed the necessary terms and your mandatory SR-22 filing period has concluded.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Idaho

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

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.

Data filtered by:Results filtered by:
Driving Violation:
Driving Violation:Accident $1000-$1999 Prop Dmg
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
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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance covers third-party property damage and bodily injury. It’s ideal for people who drive frequently but don’t own a car, such as car renters, rideshare drivers and professional drivers. It’s also a solid option for those who need to file an SR-22 form but don’t own a car. We compiled a list of companies offering affordable non-owner car insurance in Idaho to help you find the best deal for your budget.

Average Cost of SR-22 Car Insurance in Idaho

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
DUIAnnual Premium$512Monthly Premium$43
CleanAnnual Premium$295Monthly Premium$25
At-Fault AccidentAnnual Premium$407Monthly Premium$34
TicketAnnual Premium$354Monthly Premium$30
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MONEYGEEK EXPERT TIP

Compare insurance rates yearly or when you renew your SR-22 coverage in Idaho. Doing so can help you find the best deal for your particular budget.

How SR-22 Affects Car Insurance Rates in Idaho

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.

Car Insurance Rate Comparison Based on Driving Records in Idaho

carInsurance
Clean Driving Record

Annual Premium for Minimum Coverage

$303
accident2
After a DUI

Annual Premium for Minimum Coverage

$512
Car insurance premiums after a DUI are on average: :$209 more

This is 69% more expensive.

Other Effects of SR-22 on Car Insurance in Idaho

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.

1
Limited number of insurance options

Having an SR-22 means you are risky to insure from the perspective of insurance companies. As such, your options for auto insurance will likely be limited compared to drivers without high-risk offenses.

2
Possible policy cancellation

Depending on the severity of the offense that led to filing an SR-22, your insurance provider may choose to cancel the remainder of your policy.

3
Length of required filing

Under Idaho law, you must keep an SR-22 on file for one year after your first offense and for three years after each subsequent offense.

4
Higher liability coverage limits

While some states require SR-22 drivers to increase their liability limits, this is not the case in Idaho. Idaho requires that SR-22 drivers carry auto policies with at least the following limits:

  • $25,000 per person in bodily injury liability
  • $50,000 per accident in bodily injury liability
  • $15,000 per accident in property damage liability
5
Filing fees

You may have to pay an SR-22 filing fee. The cost often varies by state and insurance company, ranging from $15 to $50.

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How to Get SR-22 Insurance in Idaho

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.
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IDAHO LICENSE REINSTATEMENT FEE

In Idaho, the cost to reinstate your driver’s license after an SR-22 ranges from $25 to $285, depending on the reason for the suspension. These fees are subject to change, so it’s best to check with your local DMV for the latest information.

How to Get Cheaper Car Insurance in Idaho After a DUI

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

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    Compare quotes immediately

    You can find affordable car insurance in Idaho after a DUI by comparing rates from multiple providers. Insurers have varying underwriting criteria and risk assessments, so quotes vary significantly. Comparing premiums enables you to find the insurer with the cheapest coverage.

    car icon

    Complete DUI classes or programs

    Some states require you to complete DUI classes or programs before you can reinstate your license. By attending these classes, you can learn strategies to avoid drunk driving in the future, as well as show insurance providers your commitment to becoming a safer driver. You may be eligible for lower rates once you've completed a DUI program.

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    Look for discounts

    Many car insurance providers offer discounts to policyholders who meet certain requirements. For example, you may qualify for premium savings by completing a defensive driving course or installing a tracking device in your vehicle. Check with your insurance carrier to see if it offers discounts you’re eligible for.

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    Practice safe driving

    One of the most effective ways to obtain affordable coverage after a DUI is by practicing safe driving. Avoid incurring additional strikes on your driving record and follow all traffic laws. Demonstrating you’re a responsible driver can result in lower premiums.

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    Shop rates over time

    Even after finding affordable car insurance, it’s best to shop around periodically to see if you can get a better deal. As your record improves and you continue to practice safe driving, you may qualify for lower premiums with other insurers.

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High-risk drivers who are having a difficult time finding coverage can consider non-standard auto insurance. This policy type is for drivers at high risk for tickets, at-fault accidents or DUIs. However, it's often more expensive than standard car insurance.

Frequently Asked Questions About SR-22 Insurance in Idaho

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

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

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.