- Elevate Your Security: Navigating SR22 Insurance in Idaho with Confidence
- Cost for SR22 Insurance In Idaho (liability)
- DUI and SR22 Insurance in Idaho
- Cost for SR22 Insurance In Idaho (full coverage)
- Who has the lowest price on SR-22 Insurance (by city) in Idaho
- Which companies offer SR22 insurance in Idaho
- How Do I File SR22 Insurance in Idaho?
- SR22 Insurance in Idaho – rates by company (liability)
- Reasons you may be required to carry an SR22 insurance in Idaho
- Need an SR22 insurance in Idaho but no car?
- SR-22 Rates by the company for Full coverage in Idaho
- Frequently Asked Questions about SR22 Insurance in Idaho
- What is SR22 insurance and why might I need it in Idaho?
- How can A Plus Insurance help me get affordable SR22 insurance in Idaho?
- Can I call A Plus Insurance at 1.888.445.2793 for more information about SR22 insurance in Idaho?
- What We Do at A Plus Insurance
Idaho Liability Requirements
Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$15,000 property damage liability per accident
Cost for SR22 Insurance In Idaho (liability)
When it comes to auto insurance, rates can vary greatly from one city to the next, even if it’s the same state. That’s because so many factors contribute to rates.
For example, if one city has higher crime rates, it’s consider high risk and therefore the car insurance premiums will be higher. SR22 insurance in Idaho doesn’t have to heavily impact your rate, especially if you do liability only insurance.
| 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 |
DUI and SR22 Insurance in Idaho
If you are convicted of a DUI, resulting in a suspended or revoked license, you will be required to carry an SR-22 for at least 1 year. The amount of time depends upon the number of convictions.
Cost for SR22 Insurance In Idaho (full coverage)
As our friends at Progressive explain, it’s good to remember that the term “full coverage” doesn’t literally cover EVERYTHING. Be sure to chat with one of our agents to see what coverage is right for your family and circumstances.
| 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 |
Who has the lowest price on SR-22 Insurance (by city) in Idaho
Auto insurance rates vary from state to state, and city to city. It’s important to do the research to see which insurance company offers the best rates in your area. Thankfully we have done the research for you…it can be time consuming to make all those calls and compare quotes.
| City | Price |
| Idaho Falls | Progressive |
| Eagle | Progressive |
| St. Maries | Progressive |
| Malad City | Liberty Mutual |
| Rexburg | Progressive |
| Aberdeen | Liberty Mutual |
| Bellevue | The General |
| Meridian | Geico |
| Lewiston | Dairyland* |
| Weiser | The General |
| Mountain Home | Liberty Mutual |
| Filer | Progressive |
| Rigby | Progressive |
| Iona | Liberty Mutual |
| Twin Falls | The General |
| Lincoln | Liberty Mutual |
| Kuna | National General |
| Nampa | Geico |
| Dalton Gardens | The General |
| Driggs | Geico |
| Jerome | Geico |
| Pocatello | The General |
| Emmett | Bristol West |
| Burley | Geico |
| Priest River | The General |
| Shelley | Bristol West |
| Blackfoot | Liberty Mutual |
| Chubbuck | Progressive |
| Rathdrum | Geico |
| New Plymouth | The General |
| Parma | Geico |
| Mountain Home AFB | Progressive |
| Heyburn | Geico |
| Wilder | Geico |
| Post Falls | Farmers |
| Wendell | National General |
| Homedale | Progressive |
| Payette | Dairyland* |
| Grangeville | Liberty Mutual |
| Victor | Progressive |
| Star | Geico |
| Sandpoint | Geico |
| Orofino | Progressive |
| Bonners Ferry | The General |
| Caldwell | Dairyland* |
| Coeur d’Alene | Progressive |
| Osburn | Progressive |
| Sugar City | Liberty Mutual |
| Middleton | Progressive |
| Sun Valley | Geico |
| Moscow | Progressive |
| McCall | Progressive |
| Boise City | Progressive |
| Buhl | Progressive |
| Ammon | Geico |
| Kellogg | Progressive |
| Hidden Springs | The General |
| Hailey | Geico |
| Salmon | The General |
| Ucon | Bristol West |
| Fort Hall | Geico |
| Ketchum | Geico |
| Rupert | Farmers |
| Gooding | Progressive |
Which companies offer SR22 insurance in Idaho
Check with your auto insurance company first to see if they offer SR-22 Insurance filings but just in case they don’t, we have listed below some companies that DO.
| Company | SR22 Offered |
| Mendota Ins. Company | yes |
| AssuranceAmerica | yes |
| The General | yes |
| Dairyland | yes |
| Acceptance RTR | yes |
| 21st Century | no |
| Geico | yes |
| Bristol West | yes |
| Farmers | yes |
| State Farm | unsure |
| State Auto | no |
| Allstate | unsure |
| USAA | NO |
| National General | yes |
| Nationwide | no |
| Travelers | no |
| American Family | no |
| Progressive Insurance | Yes |
| Safeco | no |
How Do I File SR22 Insurance in Idaho?
Filing an SR22 insurance in Idaho involves a few specific steps. The SR22 is not actually insurance but a certificate that your insurance company files with the state to prove that you have the required minimum liability coverage. It’s often required for drivers who’ve had a DUI/DWI, been caught driving without insurance, had a suspension of their license, or other serious traffic violations. Here’s how to file for SR22 insurance in Idaho:
1. Contact an Insurance Provider
- Find an insurer that offers SR22 filing: Not all insurance companies offer SR22 certificates because drivers needing an SR22 are considered high-risk. You might need to shop around or contact your current insurer to see if they can file an SR22 for you.
- Insurance companies in Idaho: Since you’re looking for specifics in Idaho, ensure the company is licensed to operate in the state. Some of the auto insurance providers you work with, like Progressive, Dairyland, and National General, offer SR22 filings.
2. Purchase a Policy
- Required coverage: Before the insurance company can issue an SR22, you must purchase car insurance that meets Idaho’s minimum liability requirements. In Idaho, as of my last update, these were $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage.
- Inform them you need an SR22: When purchasing your policy, make it clear that you require an SR22 certificate. There might be an additional fee for filing the SR22, varying by company.
3. Filing the SR22
- The insurer files on your behalf: Once you’ve purchased the appropriate policy, your insurance company will file the SR22 certificate with the Idaho Transportation Department on your behalf.
- Processing time: The time it takes for the state to process the SR22 can vary. It’s generally a good idea to ask your insurer for an estimate of how long the filing process will take.
4. Maintain Your Insurance Policy
- Continuous coverage: It’s crucial to maintain your insurance policy without any lapses. Idaho typically requires drivers to maintain an SR22 for three years. If your policy lapses or is canceled, your insurer is required to notify the state, which could lead to a reinstatement of the original suspension or revocation of your license.
- Periodic verification: You might need to periodically verify with the Idaho Transportation Department that your SR22 is still in effect. Keep records of your insurance payments and any correspondence with your insurance company regarding your SR22.
5. Follow Up
- Confirmation and records: Once your SR22 is filed, you should receive confirmation from your insurance company. Keep a copy of this confirmation for your records.
- Check your status: You can also check with the Idaho Transportation Department to ensure they have received and processed your SR22 filing.
Additional Tips
- Shop around for quotes: Given the higher premiums associated with SR22 filings, it’s beneficial to compare rates from multiple insurers.
- Consider your needs: Depending on your situation, you might need more coverage than the minimum required by Idaho. Discuss your options with your insurance agent to find the right balance of coverage and cost.
Filing for SR22 insurance in Idaho, as in other states, requires careful attention to detail and an understanding of state laws and insurance regulations. Working with a knowledgeable insurance agent can simplify this process, ensuring you meet all legal requirements and maintain your driving privileges.
SR22 Insurance in Idaho – rates by company (liability)
If you aren’t sure, check out our quick guide to explain what liability insurance is, which also shows you the state minimum limits for the state of Idaho.
| Company | SR22 Liability (average) |
| Farmers | $87.00 |
| Progressive Insurance | $94.00 |
| AssuranceAmerica | $90.00 |
| State Farm | N/A |
| Dairyland | $100.00 |
| GAINSCO | $125.00 |
| State Auto | N/A |
| Acceptance RTR | $79.00 |
| Liberty Mutual | $117.00 |
| Mendota Ins. Company | $77.00 |
| Geico | $113.00 |
| Nationwide | N/A |
| USAA | N/A |
| National General | $123.00 |
| 21st Century | N/A |
| The General | $103.00 |
| American Family | N/A |
| Bristol West | $103.00 |
Reasons you may be required to carry an SR22 insurance in Idaho
| Too many tickets in short period of time |
| Multiple Traffic Offenses |
| Suspension of license due to child support |
| Driving while Suspended/revocation |
| Failure to maintain mandatory insurance coverage required by state law |
| Excessive points violations |
| At Fault accident with no insurance |
| DWI (Driving while intoxicated) |
| Previous incarceration |
Check out some more surprising reasons here!
Need an SR22 insurance in Idaho but no car?
A Non Owners policy will cover the Named Insured driving any non owned vehicle, covered for at least the State minimum insurance requirements. You will be able to add the SR-22 filing to that policy if you do not own a vehicle, but are required to carry insurance.
SR-22 Rates by the company for Full coverage in Idaho
Full coverage insurance usually includes liability, comprehensive, and collision coverage.
| Company | SR22 Full Coverage (average) |
| Travelers | N/A |
| National General | $179.00 |
| 21st Century | N/A |
| The General | $214.00 |
| Farmers | $218.00 |
| AssuranceAmerica | $168.00 |
| USAA | N/A |
| Bristol West | $197.00 |
| Acceptance RTR | $176.00 |
| Liberty Mutual | $194.00 |
| Mendota Ins. Company | $168.00 |
| Dairyland | $209.00 |
| Allstate | N/A |
| State Farm | N/A |
| American Family | N/A |
| State Auto | N/A |
| Nationwide | N/A |
| Geico | $207.00 |
| Safeco | N/A |
| GAINSCO | $170.00 |
Frequently Asked Questions about SR22 Insurance in Idaho
What is SR22 insurance and why might I need it in Idaho?
SR22 insurance is a certificate of financial responsibility that is often required for individuals with certain driving violations. In Idaho, you might need SR22 insurance for issues such as driving under the influence (DUI) or driving without insurance.
How can A Plus Insurance help me get affordable SR22 insurance in Idaho?
A Plus Insurance shops multiple carriers to help you find the most affordable SR22 insurance rates in Idaho. We understand the importance of meeting legal requirements while keeping costs reasonable.
Can I call A Plus Insurance at 1.888.445.2793 for more information about SR22 insurance in Idaho?
Absolutely! For more information about SR22 insurance in Idaho or to get a personalized quote, feel free to call us at 1.888.445.2793.
For personalized advice on SR22 insurance in Idaho, call us at 1.888.445.2793.
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Last Updated on by Amanda Moss