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Cheapest SR-22 insurance in Idaho

State Farm, American National, American Family, and Travelers all have cheap car insurance for drivers who need an SR-22 in Idaho.

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By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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Cheapest SR-22 insurance in Idaho

Our expert analysis found that State Farm has the cheapest SR-22 insurance in Idaho. On average, SR-22 insurance from State Farm costs drivers in Idaho just $52 per month or $618 a year. That’s $1,250 cheaper than the state average for car insurance with an SR-22.

Idaho has some of the cheapest car insurance rates in the country, so it’s relatively easy to find cheap SR-22 insurance too. American National, American Family, and other companies also have affordable coverage for drivers who need an SR-22, but it’s always a good idea to compare rates before you buy.

A bar graph that shows the companies with the cheapest SR-22 insurance in Idaho. State Farm has the best rates.

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Company

Average monthly cost of SR-22 insurance

Average yearly cost of SR-22 insurance

State Farm

$52

$618

American National

$75

$902

American Family

$104

$1,251

Travelers

$114

$1,362

USAA

$118

$1,411

Auto-Owners

$127

$1,526

GEICO

$135

$1,616

Oregon Mutual

$141

$1,687

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Methodology: Why you can trust our picks for the cheapest SR-22 insurance in Idaho

We found the cheapest SR-22 insurance in Idaho by calculating the average rate for drivers with a suspended license, DUI, or a reckless driving citation.

Our sample driver was a 30-year-old male driver of a 2017 Toyota Camry LE with average credit who had a policy with the following limits:

  • Bodily injury liability: $50,000 per person, $100,000 per accident

  • Property damage liability: $50,000 per accident

  • Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of insurance costs. Your actual quotes may differ.

What is SR-22 insurance in Idaho?

Despite what you might assume, SR-22 insurance isn’t actually a kind of insurance. It’s a form your car insurance company files for you to prove that you’re insured with at least the state minimum requirements. In Idaho, you need at least the following amounts of car insurance:

  • Bodily injury liability (BIL): $25,000 per person, $50,000 per accident

  • Property damage liability (PDL): $15,000 per accident

Idaho may require you to file an SR-22 after you commit a serious driving violation (like driving under the influence, reckless driving, eluding the police) or if you’re caught without driving without insurance.

In addition to the cost of car insurance with an SR-22, you’ll have to pay a fine to reinstate your license. You may pay anywhere from $25 to $285 depending on why you had to get an SR-22. You’ll have to pay another fine of $25 if you let your SR-22 lapse.

How to get SR-22 insurance in Idaho

Once you know you have to get SR-22 insurance, follow these steps to get covered:

  1. Find a company that offers coverage: High-risk drivers may have a hard time finding coverage, since not every company offers SR-22 insurance. Plan to spend time checking with more than one company.

  2. Expect to pay a fine: Idaho has separate fines for the violations that would cause you to have to get an SR-22. You’ll have to pay these fines on top of your policy’s premium.

  3. Wait for your coverage to start: After you buy a policy, your insurance company will file your SR-22 to be approved by the state. Make sure not to drive before you’re notified that your SR-22 was approved.

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Non-owner SR-22 insurance in Idaho

Non-owner insurance is a policy that offers basic coverage to drivers who don’t own their own cars. If you commit a driving violation and you have to get an SR-22 even though you don’t own a car, you may need a non-owner SR-22.

With non-owner SR-22 insurance, you get enough coverage to be able to drive legally in Idaho. Non-owner insurance with an SR-22 is cheaper than a standard policy since non-owners insurance doesn’t include the types of car insurance that cover the vehicle itself, like comprehensive and collision coverage.

It can be hard to find a company that will file non-owner insurance, and even harder if you need an SR-22. You’ll have to call around (companies don’t offer this coverage online) to find a company with non-owner insurance that will file a SR-22 for you.

Frequently asked questions

How long is an SR-22 required in Idaho?

Idaho requires drivers to carry an SR-22 for at least one year after their first offense, and three years after any other offenses.

Where do you get an SR-22 in Idaho?

Many well-known insurance companies offer SR-22s, including State Farm and GEICO. If you have a spotty driving record, you may have to get coverage from a smaller, non-standard insurance company.

How do you pay for an SR-22?

Your insurance company will include the cost of filing your SR-22 (usually around $25) in your premium. You’ll have to pay any fees for the driving offenses related to the SR-22 to Idaho.

Author

Andrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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