Compare SR-22 insurance in Idaho

Get cheap SR-22 insurance in Idaho

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

An SR-22 is proof of financial responsibility — a document issued by an insurance company verifying you have valid insurance coverage that meets your state minimum. The form is also an agreement with the state that your provider will notify the Idaho Transportation Department (ITD) if you cancel your insurance coverage. This form must be filed before your license is reinstated.

Compare SR-22 coverage

Compare SR-22 car insurance from companies near you.

Call (877) 959-5072

Call toll-free to talk to an SR-22 agent at Freeway Insurance.

Get instant online quotes

Your information is secure.

Do I need SR-22 insurance in Idaho?

Your state DMV will let you know if you need to file an SR-22. Idaho law may require you to file an SR-22 if:

  • You’re found driving without insurance.
  • You’re convicted of reckless driving.
  • You’re convicted of a DUI.
  • You’ve acquired too many points on your driving record.
  • The state restricts or revokes your license.

What if I don’t have a car or a license?

In most states, you’re still required to file an SR-22 even if you don’t own a car if you want to get your license reinstated. In this case, you’d purchase a non-owner or operator insurance policy.

What if I’m from another state?

If you have an SR-22 from another state, you must maintain it while driving in Idaho. Your SR-22 is likely to be sufficient in Idaho, but it’s best to verify coverage with the ITD and your insurer.

  • Affordable coverage
  • Instant online access
  • SR-22 support

Our pick for SR-22 drivers: The General

The General offers affordable coverage for nearly any driver who needs car insurance.

  • Affordable coverage
  • High risk drivers okay
  • Instant online access
  • Available in 46 states

Compare Idaho SR-22 car insurance

Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Idaho car insurance.

Name Product SR-22 Nonowner policy Payment schedule States served
The General
Yes
Yes
12 months, monthly
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
The General offers affordable coverage for nearly any driver who needs car insurance.
Esurance
Yes
No
12 months, monthly
AL, AZ, AR, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Dairyland
Yes
Yes
custom
AL, AZ, AR, CA, CO, CT, DE, FL, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, NE, NV, NM, NC, OH, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.
Farmers
Yes
No
monthly, custom
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
USAA
Yes
Yes
12 months, 6 months, custom
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

How much does an SR-22 cost in Idaho?

The fee your provider will charge for filing the SR-22 is typically $20 to $50. Though it’s not the filing fee that’s most expensive when you’re required to file an SR-22 — you’ll also typically see higher premiums than you’re used to.

When you’re required to file an SR-22, it’s often linked to a driving conviction. DUIs, collisions that are deemed your responsibility and driving without insurance are all convictions that put you in the “high-risk” category of drivers.

Insurance providers tend to take extra precautions when it comes to high-risk drivers. You may need to pay your premiums for the year upfront in one lump sum rather than monthly or bi-yearly. Talk to your provider about how much you can expect your rates to increase.

Companies that offer SR-22 car insurance in Idaho

Not every insurer offers SR-22 filing support. Compare cheap rates from Idaho insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

How do I file for an SR-22 in Idaho?

To file for an SR-22 in Idaho, first contact your existing car insurance provider. If you don’t have one, search for a provider that offers to file on your behalf.

  1. Notify your insurer. If you already have car insurance, contact your agent and advise them that you need to file an SR-22. Most providers are equipped to file this form.
  2. Find an insurer. Not all providers will insure someone who’s required to file an SR-22. If yours doesn’t offer this service, find one that does.
  3. Pay the SR-22 filing fee. Your insurer will charge you a processing fee for filing the SR-22.
  4. Verify minimum liability coverage. Call your provider to make sure your policy includes at least:
    • $25,000 for bodily injury to or death of one person.
    • $50,000 for bodily injury to or death of two or more people.
    • $15,000 for injury to or destruction of property.
  5. Submit your SR-22. In Idaho, your insurance provider will electronically file the SR22 on your behalf. As for proof of a successful filing before you get back behind the wheel.

How long will I need an SR-22 for in Idaho?

In Idaho, how long you’ll need to maintain your SR-22 depends on why you were required to file the SR-22 in the first place.

For example, if your license is suspended as a result of failing to provide insurance, the amount of time you’ll need file an SR-22 coincides with the length of time your driver’s license was suspended.

Make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could set you back a lot of money and time.

What happens if I let my SR-22 insurance lapse?

Your insurance provider is required to file an SR-26 with the ITD in the event that your insurance expires or is canceled. Once the SR-26 is received your license will be suspended and you’ll have to reset your filing period.

As an example, if you consistently make late payments and your insurer cancels your coverage two years into your three year mandate, you’ll have to maintain your SR-22 for another three years instead of just one more.

What happens when I don’t need SR-22 coverage anymore?

Once you’ve gotten through your entire filling period you’ll be able to switch things up if you need or want to. Be sure that you no longer need the SR-22 insurance by checking with the ITD and your insurance, then simply go about finding a plan that works for you.

Bottom line

In order to get your license reinstated you’re going to have to get SR-22 coverage. Whether that’s as a car owner or not, it’s probably going to be more than a little costly when it comes to insurance premiums.

Talk to your insurance agent about what those costs might be. Don’t hesitate to shop around and compare your options to get the deal that’s best for you and your wallet.

Compare SR-22 coverage

Compare SR-22 car insurance from companies near you.

Call (877) 959-5072

Call toll-free to talk to an SR-22 agent at Freeway Insurance.

Get instant online quotes

Your information is secure.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site