Idaho SR-22 & High-Risk Auto Insurance
Idaho requires 25/50/15 liability coverage and is an at-fault state.
Get SR-22 Quotes NowIdaho at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$25
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
The Idaho Transportation Department orders SR-22 filing for DUI convictions, driving without insurance, license suspensions, excessive violations, and at-fault accidents involving uninsured drivers. Most non-standard carriers operating in Idaho file SR-22 certificates electronically within 24 hours of policy binding. High-risk drivers should understand that state minimums rarely cover full accident costs and may leave you personally liable for damages exceeding policy limits.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$11–$25/mo
Typical monthly rate in Idaho, non-owner policies
Rate data: Insure.com and MoneyGeek, 2026
What Affects Your Rate
- SR-22 filing duration: Most carriers reduce rates significantly once the 3-year SR-22 requirement ends and you maintain a clean record
Get Your SR-22 Even Without a Car
Get SR-22 Quotes NowIf your license is suspended
Restricted Driving Permit (RDP)
application fee $60, about 5 days to process.
A coverage lapse is reported
The state acts on a lapse after 60 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
Do I need SR-22 for a reckless driving conviction in Idaho?
Yes—reckless driving convictions in Idaho typically trigger SR-22 filing requirements, especially if the offense involves license suspension or contributes to excessive point accumulation (12+ points in 12 months). The Idaho Transportation Department will notify you if SR-22 filing is required for your specific case. The SR-22 requirement lasts 3 years from conviction or reinstatement, and any lapse resets the clock.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer proving continuous liability coverage to the Idaho Transportation Department. Required for 3 years following DUI, uninsured driving, or license suspension, and any lapse resets the requirement period.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Idaho's 25/50/15 minimums are often insufficient for serious accidents, leaving high-risk drivers personally liable for excess damages.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when hit by a driver with no insurance or insufficient coverage. Idaho does not require UM coverage, but approximately 9% of state drivers are uninsured.
Non-Standard Auto Insurance
Policies designed for drivers with DUI convictions, suspended licenses, multiple violations, or SR-22 requirements. Non-standard carriers specialize in high-risk underwriting and offer coverage when standard insurers decline.
Collision Coverage
Covers damage to your vehicle in an at-fault accident or single-vehicle crash. Required by lienholders but optional if you own your vehicle outright.
Comprehensive Coverage
Covers non-collision incidents like theft, vandalism, weather damage, and animal strikes. Deer collisions are common in rural Idaho, making comprehensive coverage valuable for drivers in less-populated areas.