Cheapest Idaho SR22 Insurance 2025: Ultimate Rates, Costs & Companies Compared

If you’re searching for SR22 insurance in Idaho, chances are you’ve encountered some bumps in the road—perhaps a DUI, driving without insurance, or a license suspension. Whatever the reason, you must now meet Idaho’s SR-22 requirement to reinstate your driving privileges.

This comprehensive guide combines the latest statistics from trusted sources to provide a complete picture of SR22 insurance in Idaho in 2025. 

We’ll cover what SR22 insurance Idaho is, who needs it, how much it costs, which companies offer the cheapest rates, and tips for saving money—even if you’re considered high-risk.

How Much Does SR22 Insurance Cost in Idaho (2025)?

Table of Contents

Average Monthly and Annual Costs

Drivers needing SR22 insurance pay substantially higher rates than those with clean records. On average:

  • Minimum coverage with SR22: $58/month or $696/year
  • Full coverage with SR22: $116/month or $1,392/year

Depending on age, driving history, and insurer, these premiums can be 50–100% higher than those for drivers without violations.

SR22 Filing Fee

In addition to higher premiums, you’ll also pay a filing fee when your insurer submits the SR22 form to the DMV. Most Idaho providers charge between $15 and $25.

Cheapest SR22 Insurance Providers in Idaho (2025)

Based on compiled rate data, here are the top low-cost SR22 insurers in Idaho for minimum liability:

Insurance Company Monthly Rate (Min Coverage) Monthly Rate (Full Coverage)
State Farm $21 $62
American National $28 $74
American Family $29 $81
GEICO $33 $89
Progressive $36 $95

Cheapest Non-Owner SR-22 Insurance in Idaho

he table below lists providers offering non-owner SR-22 insurance and their average costs for minimum coverage.

Company Annual Premium Monthly Premium
Auto-Owners $146 $12
State Farm $236 $20
Allied $333 $28
Nationwide $333 $28
GEICO $405 $34
Travelers $451 $38
Farmers $529 $44

SR22 Liability Only – Average Rates by City in Idaho

Sample rates by city show that urban areas are more expensive than rural areas:

City Price
Rexburg $89.00
Hayden $91.00
Montpelier $108.00
Emmett $105.00
Nampa $96.00
Homedale $107.00
Chubbuck $97.00
Garden City $100.00
Dalton Gardens $105.00
Caldwell $104.00
Meridian $88.00
McCall $93.00
Driggs $110.00
Kellogg $90.00
Buhl $101.00
Aberdeen $97.00
Fort Hall $109.00
Salmon $104.00
Parma $105.00
Grangeville $88.00
Hailey $95.00
Kuna $100.00
Coeur d’Alene $86.00
Post Falls $94.00
Marsing $89.00
Pocatello $101.00
Heyburn $91.00
Moscow $104.00
Lincoln $100.00
Lewiston $93.00
St. Maries $89.00
Sugar City $105.00
New Plymouth $107.00
Wendell $93.00
Bonners Ferry $110.00
Preston $93.00
Jerome $88.00
Osburn $103.00
American Falls $88.00
Victor $104.00
Middleton $103.00
Hidden Springs $93.00
Malad City $96.00
Sandpoint $98.00
Mountain Home AFB $94.00
Twin Falls $104.00
Sun Valley $86.00
Idaho Falls $93.00
Ketchum $87.00
Rigby $88.00
St. Anthony $94.00
Weiser $91.00
Fruitland $101.00
Burley $99.00
Orofino $104.00
Mountain Home $101.00
Filer $110.00
Spirit Lake $95.00
Star $94.00
Rathdrum $103.00
Blackfoot $87.00
Boise City $89.00
Soda Springs $102.00
Bellevue $103.00
Iona $88.00
Rupert $106.00
Wilder $99.00
Gooding $101.00
Priest River $87.00
Payette $93.00
Ammon $86.00
Shelley $102.00
Kimberly $96.00
Eagle $86.00

Full Coverage SR22 Average Insurance Costs in Idaho: Comprehensive Rates by City

City Price
Parma $175
Rathdrum $154
Boise City $161
McCall $167
Bellevue $171
Hidden Springs $150
Twin Falls $147
Moscow $157
Malad City $164
Spirit Lake $167
Nampa $155
Garden City $153
Coeur d’Alene $178
Rupert $166
Dalton Gardens $146
Ketchum $156
Shelley $164
Emmett $178
Pocatello $176
Lewiston $152
Gooding $175
Kimberly $150
Post Falls $165
Hailey $164
Lincoln $157
Burley $156
Rexburg $171
Heyburn $155
Priest River $179
Marsing $168
Blackfoot $180
Victor $147
Orofino $175
Wendell $174
Ucon $164
Aberdeen $179
Eagle $170
Star $161
Meridian $148
Kellogg $180
Sandpoint $157
Osburn $172
Montpelier $177
St. Maries $149
Salmon $149
Hayden $157
Chubbuck $180
Sun Valley $152
Middleton $147
Sugar City $173
Weiser $178
Payette $169
Homedale $164
Buhl $174
Grangeville $158
Jerome $147
American Falls $174
Caldwell $153
Soda Springs $182
Filer $157
Mountain Home AFB $148
Ammon $146
Idaho Falls $149

SR-22 Insurance Rates by Company for Liability Coverage in Idaho

Insurance Company Monthly Rate Annual Rate
Progressive $120 $1,440
Dairyland $115 $1,380
Gainsco $130 $1,560
Assurance America $125 $1,500
National General $110 $1,320
The General $135 $1,620
Bristol West $140 $1,680
Mendota $125 $1,500
Suncoast $118 $1,416
Falcon $132 $1,584

Comprehensive SR-22 Full Coverage Insurance Rates by Company in Idaho

Full coverage car insurance generally combines three key types of protection: liability, collision, and comprehensive coverage.

  1. Liability Coverage: Provides protection if you’re responsible for an accident, covering damage or injuries to others.
  2. Collision Coverage: Helps pay for repairs to your vehicle after a collision, regardless of who caused the accident.
  3. Comprehensive Coverage: Covers damage to your car from events other than collisions, such as theft, weather, or vandalism.
Company SR22 Full Coverage (average)
National General $179.00
The General $214.00
Farmers $218.00
AssuranceAmerica $168.00
Bristol West $197.00
Acceptance RTR $176.00
Liberty Mutual $194.00
Mendota Ins. Company $168.00
Dairyland $209.00
Geico $207.00
GAINSCO $170.00

How to File SR22 Insurance in Idaho

Filing for SR22 insurance in Idaho might seem overwhelming, but it’s a simple process once you choose a provider. The insurer takes care of most of the paperwork on your behalf. What’s important is knowing how the process works, how long it takes, and what fees you can expect.

Step-by-Step Filing Process

  1. Purchase or update an auto insurance policy with an insurer authorized to file SR22s.
  2. Ask the insurer to file the SR22 form with the Idaho DMV.
  3. Pay the filing fee, which is usually $15–$25.
  4. Wait for confirmation from the DMV that your driving privileges have been reinstated.

The SR22 becomes effective immediately after it’s filed, but depending on your case, reinstating your license may still take several days.

How Long Does It Take to File?

Most insurers can file your SR22 electronically within 24–48 hours. If you’re rushing to get your license back, ask the company how quickly they can submit your form.

How Much is the Filing Fee?

The SR22 filing fee is not included in your premium—it is an added charge. According to LearnandServe.org, most Idaho insurers charge between $15 and $25 for filing.

Non-Owner SR22 Insurance in Idaho

If you don’t own a vehicle but still need to drive—for work or on a restricted license—non-owner SR22 insurance is a legal and affordable solution. It allows you to stay compliant without insuring a car.

What is Non-Owner SR22 Insurance?

Non-owner SR22 insurance is a liability-only policy for individuals who don’t own a car but need to file an SR22 form. It covers you while driving borrowed or rental vehicles—but not a car registered to your name.

Who Should Consider It?

You should consider a non-owner policy if:

  • You no longer own a car but want to keep your license valid
  • You occasionally drive rental or shared vehicles
  • You’re between cars but still under an SR22 requirement

Best Rates for Non-Owner SR22 in Idaho

According to MoneyGeek, Auto-Owners offers non-owner SR22 policies in Idaho starting at just $12 per month. Other providers, like GEICO and Progressive, also offer competitive non-owner rates.

SR22 After DUI or Driving Uninsured in Idaho

If you’ve been convicted of a DUI or were caught driving without insurance, SR22 is not optional—it’s a legal requirement for getting your license back in Idaho. These violations often lead to higher premiums and longer SR22 durations.

SR22 for DUI Offenders

A DUI in Idaho almost always requires SR22 filing. This comes with higher monthly premiums—averaging $100–$160 for minimum coverage depending on age, prior record, and city.

You’ll also need to complete any required DUI programs, pay reinstatement fees, and possibly install an ignition interlock device (IID).

Driving Without Insurance Penalty

Driving without valid insurance is a common reason Idaho drivers are ordered to carry SR22. In addition to the filing requirement, you may face the following:

  • $75–$1,000 in fines
  • Up to 6 months of license suspension
  • Required proof of insurance for 3 years

How Long Do You Need SR22 Insurance in Idaho?

Most Idaho drivers must maintain SR22 insurance for three consecutive years, but certain factors may extend or reduce the duration. It’s crucial to keep your coverage active during this period.

Minimum Requirement: 3 Years

For first-time offenses like DUI or driving without insurance, Idaho generally requires you to carry SR22 for 36 months. This is to ensure you demonstrate ongoing financial responsibility.

What If You Cancel Early or Miss a Payment?

Letting your SR22 policy lapse can have serious consequences:

  • Your insurer is required to notify the DMV
  • Your license will likely be suspended again
  • The 3-year clock may restart from the beginning

When Can You Cancel SR22?

After your required period ends, you must request cancellation. Do not stop paying premiums or assume the policy ends on its own. Ask your insurer to file a “SR26 form” with the DMV to terminate the SR22 requirement officially.

Top SR22 Insurance Companies in Idaho (Ranked & Compared)

Choosing the right insurer for SR22 coverage can save you hundreds of dollars a year. But cost isn’t everything—reliability, customer service, and ease of filing also matter. Based on recent market data, here are Idaho’s top-rated SR22 insurance companies.

1. State Farm

  • Average monthly cost (min coverage): $21
  • Average monthly cost (full coverage): $62
  • Best for: Lowest premiums for high-risk drivers
  • Perks: Strong financial stability, multiple local agents across Idaho, fast SR22 filing

2. American National

  • Average monthly cost (min coverage): $28
  • Best for: Drivers with minor offenses
  • Perks: Simple online management tools, good bundling discounts

3. American Family

  • Average monthly cost (min coverage): $29
  • Best for: Young drivers needing SR22
  • Perks: High customer satisfaction scores, loyalty discounts, SR22 expertise

4. Progressive

  • Average monthly cost (min coverage): $36
  • Best for: Digital-first experience, online quotes
  • Perks: Snapshot telematics program can lower your premium over time

5. GEICO

  • Average monthly cost (min coverage): $33
  • Best for: Fast online service and nationwide availability
  • Perks: Easy mobile app, flexible payment options, rapid SR22 processing

SR22 Insurance Costs by Driver Profile

Not all SR22 drivers pay the same. Age, gender, offense type, and driving history all influence your final quote. Here’s a breakdown of how SR22 rates vary across driver profiles in Idaho.

By Age Group

Age Group Monthly Avg (Min Coverage)
18–24 $121
25–34 $98
35–44 $86
45–64 $79
65+ $81

Young drivers face the steepest premiums, especially after DUI or reckless driving citations.

By Driving Violation

Offense Type Avg Monthly Rate (Min Coverage)
DUI/DWI $120–$160
Driving without insurance $85–$110
At-fault accident $75–$95
Multiple speeding tickets $70–$90

DUI remains the most expensive SR22-triggering offense in Idaho.

By Coverage Type

Coverage Level Average Monthly Cost
Minimum Liability $58
Full Coverage $116

Choosing full coverage offers better protection but nearly doubles your rate.

How to Save Money on SR22 Insurance in Idaho

While SR22 insurance is generally more expensive, there are still ways to reduce your premium. Many Idaho drivers can lower their rates through discounts, policy changes, and safe driving practices.

1. Compare Quotes from Multiple Providers

Shopping around is the #1 way to find a lower premium. Depending on the insurer, rates for the same driver can vary by over $500 annually.

2. Opt for Higher Deductibles

Raising your deductible (especially for full coverage policies) can lower your monthly cost. Just make sure you can afford the deductible in case of an accident.

3. Take a Defensive Driving Course

Some Idaho insurers offer discounts for completing an approved defensive driving class. Check with your provider—these courses can save you up to 10% annually.

4. Maintain Continuous Coverage

Gaps in your policy can restart your SR22 clock and lead to license suspension. Staying insured—even with a non-owner policy—is crucial.

5. Ask About Bundling and Loyalty Discounts

Bundling home, renters, or motorcycle insurance with your SR22 policy may unlock additional savings. Long-term customers may also qualify for loyalty incentives.

Taking Control of Your SR22 Journey in Idaho

Needing SR22 insurance in Idaho doesn’t mean you’re stuck with sky-high rates or endless red tape. With the right provider, smart financial decisions, and a commitment to responsible driving, you can fulfill your legal obligations while keeping costs manageable.

Here’s a quick recap of key takeaways:

  • Idaho requires SR22 for serious violations like DUI, reckless driving, or uninsured accidents.
  • Depending on age, location, and provider, costs range from $58/month for minimum coverage to $116/month for full coverage.
  • Top insurers in Idaho include State Farm, American Family, Progressive, GEICO, and American National.
  • Maintaining continuous insurance, shopping around, and completing safe driving courses can help you lower premiums.
  • After your required SR22 term ends, don’t forget to file an SR26 to remove the status officially.

Understanding your options can make all the difference, whether you’re facing your first offense or trying to move on from a difficult chapter. This guide has combined data from multiple trusted sources to give you the most complete and accurate overview available online for 2025.

Real-World SR22 Scenarios in Idaho

Scenario Best Policy Type What to Watch For
No car, license suspended for DUI Non-owner SR22 May need ignition interlock device
Own a financed car Full coverage SR22 Required by lender
Rent cars 2–3 times a year Non-owner SR22 Confirm coverage with rental agency
Just reinstated license, don’t drive yet Non-owner SR22 Start now to begin 3-year countdown
Want to switch insurers Any SR22 Avoid lapses or DMV will suspend again

📍 Idaho SR-22 Laws, Agencies, and Additional Filing Requirements

Filing SR-22 insurance in Idaho isn’t just about the cost — it’s also about complying with state-specific laws and processes enforced by official agencies.

🏛️ Idaho Transportation Department (ITD)

All SR-22 forms must be filed directly with the Idaho Transportation Department (ITD) through the Driver Services division. This is the agency that handles your license reinstatement after DUI, driving without insurance, or a major violation.

➡️ Reinstatement Info – Idaho ITD Website

🧠 Pro Tip: Your SR-22 won’t take effect until the ITD accepts the filing and confirms your eligibility. Insurers typically file electronically within 24–48 hours.


⚖️ Idaho Code §49: Legal Authority Behind SR-22

SR-22 requirements are supported by Idaho Code Title 49, which governs license suspensions, reinstatements, and proof of financial responsibility. Most drivers must carry SR-22 for three continuous years, with no lapses allowed.

If your policy lapses, your insurer must file an SR-26 form with the ITD — immediately notifying the state and potentially restarting your SR-22 term.


🚦 Idaho DMV vs. Idaho Department of Insurance

While the DMV (under ITD) manages your license status and SR-22 filing, the Idaho Department of Insurance regulates insurance companies authorized to issue SR-22 policies in the state.

Want to verify whether your insurer is approved to file SR-22 forms in Idaho? You can search here:
➡️ https://doi.idaho.gov/


🔒 DUI-Related SR-22? You Might Need an Ignition Interlock Device (IID)

If your SR-22 requirement is due to a DUI or DWI conviction, you may also be required to install an Ignition Interlock Device (IID).

This device must be professionally installed and monitored, and is required under Idaho Code §18-8002A for many DUI cases.
The added cost for an IID ranges from $70 to $100/month on top of your SR-22 insurance premiums.


🚗 Renting, Borrowing, or Driving Without Owning a Car?

If you don’t own a car but still need to meet Idaho’s SR-22 requirement, a non-owner SR-22 policy is your best option. It allows you to stay compliant while driving:

  • Rental vehicles
  • Shared family cars (if not registered in your name)
  • Employer vehicles (if not primarily used by you)

Some rental companies in Boise, Coeur d’Alene, and Meridian may require proof of liability insurance in your name — which non-owner SR-22 policies can provide.


🧠 Bonus: Idaho’s Minimum Liability Requirements (2025 Update)

To file SR-22, your policy must include Idaho’s minimum liability coverage, which is:

  • $25,000 for bodily injury per person
  • $50,000 per accident (bodily injury total)
  • $15,000 for property damage

Many insurers offer higher limits, which may slightly raise your premium but provide better protection — especially in severe accidents.

Get a Free SR22 Insurance Quote Today

Looking for the best rates on SR22 insurance in Idaho? Get started by comparing quotes from top providers now. The sooner you act, the sooner you can get back on the road—legally and affordably.

Click here for a FREE auto insurance quote, or call now to set up your SR22 policy over the phone.

Sample Story

“When Jesse from Boise got his license reinstated after a 2nd DUI, he was quoted $118/mo for full SR22 coverage. But by choosing a higher deductible and bundling with renters insurance, he brought it down to $84.”

What is SR22 Insurance Idaho?

Despite the name, SR22 is not an actual insurance policy. Instead, it’s a certificate your insurer files with the Idaho Department of Motor Vehicles (DMV) to confirm you meet the state’s minimum liability coverage requirements.

This form proves you are financially responsible and is typically required after:

  • DUI or DWI convictions
  • Driving without insurance
  • Reckless driving
  • Repeat traffic offenses
  • License suspension or revocation

Idaho’s Minimum Liability Insurance Requirements

Before we explore costs and providers, here’s what the state of Idaho requires for all drivers:

  • Bodily Injury Liability: $25,000 per person / $50,000 per accident
  • Property Damage Liability: $15,000 per accident

These limits apply to both traditional and SR22-required policies. However, many drivers opt for higher limits to protect their personal finances in case of serious accidents.

FAQs About SR22 Insurance in Idaho

Many Idaho drivers have similar questions when they first encounter the SR22 requirement. To help, we’ve answered some of the most common queries below. This section can clear up confusion and prepare you for the process ahead.

Is SR22 insurance mandatory after a DUI in Idaho?

Yes. If you’ve been convicted of driving under the influence (DUI), Idaho law requires you to carry SR22 insurance for at least three years. Failing to maintain it can result in further license suspension or legal penalties.

Can I get SR22 insurance without owning a car?

Absolutely. If you don’t own a vehicle, you can purchase a non-owner SR22 policy. It’s cheaper than standard SR22 coverage and fulfills the DMV’s legal requirement.

When can I cancel my SR22?

Check with your insurance company and the Idaho DMV. You must carry SR22 for the full mandated period—usually three years. Once completed, your insurer can officially file an SR26 form to remove the requirement.

Will my insurance automatically go back to normal after SR22?

Not necessarily. While your SR22 requirement may end, your driving record may still reflect past violations for several years. Over time, with safe driving and no further offenses, your premiums will gradually decrease.

Can I switch insurers while under an SR22 requirement?

Yes—but do so carefully. You must ensure that your new insurer files an SR22 without lapse in coverage. A gap could cause the DMV to suspend your license again and restart your SR22 clock.