Cheapest SR-22 Car Insurance in Idaho

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.

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.

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.

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.

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.

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.

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

In Idaho, SR-22 certificates are usually required for three years.

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.

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.

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:

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.

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.

Below are frequently asked questions about SR-22 certifications in Idaho:

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.