After SR-22 Insurance
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Idaho SR-22 Insurance After DUI or Suspension

Idaho requires 25/50/15 liability coverage and is an at-fault state.

Find Affordable Coverage After SR-22

Idaho 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

Minimum Coverage Requirements in Idaho

Drivers with DUI convictions, license suspensions for violations, at-fault accidents while uninsured, or repeat violations typically must file SR-22 proof of insurance with the Idaho Transportation Department for three years. Once your SR-22 requirement ends, the Idaho Transportation Department stops monitoring your insurance, but the underlying violation remains on your driving record for up to 7 years affecting rates.

Liability Insurance

Idaho's 25/50/15 minimums are the legal floor but often insufficient if you caused serious injury or property damage. Post-SR22 drivers shopping for standard coverage should consider 100/300/100 limits—carriers view higher limits as a signal of responsible risk management, which can improve your rate tier. Many standard carriers in Idaho won't quote minimums-only policies for drivers with recent violations, making higher limits a practical requirement for accessing better rates.

Full Coverage

Full coverage combines liability, comprehensive, and collision protection—required by lenders if you're financing a vehicle, but also the coverage tier that unlocks the widest carrier competition post-SR22. Idaho's rural road conditions and wildlife collision risk make comprehensive particularly relevant.

Uninsured Motorist Coverage

This coverage protects you if an uninsured driver causes an accident—critical for post-SR22 drivers who can't afford another at-fault claim or coverage lapse.

Comprehensive Coverage

Comprehensive covers non-collision losses: theft, vandalism, fire, hail, and animal strikes. Idaho's high deer and elk populations make animal collision claims common, especially on highways outside Boise and Coeur d'Alene.

SR-22 Insurance

SR-22 is not a coverage type but a certificate your insurer files with the Idaho Transportation Department proving you carry at least state minimums. You've completed this requirement or are about to. When your mandate ends, request a formal release letter from your insurer and confirm the Idaho Transportation Department has removed the requirement from your record—some carriers won't remove the SR-22 filing automatically, which can delay your access to standard rates.

What Drivers Pay in Idaho

$142–$287/mo

Typical monthly rate in Idaho, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

What Affects Your Rate

  • Type of violation: DUI penalties persist longer than lapse-related SR-22 in Idaho underwriting models
  • Continuous coverage: any gap after SR-22 ends signals risk and delays access to standard rates
  • Location: Boise and Coeur d'Alene have more carrier competition than rural counties
  • Vehicle type: older vehicles with liability-only reduce premium but limit carrier options
  • Credit-based insurance score: Idaho allows credit as a rating factor, which can help or hurt post-SR22 shoppers
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Your SR-22 Is Over. Your Rate Should Drop Too

Find Affordable Coverage After SR-22

If 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

Coverage Types

Liability Insurance

Covers injury and property damage you cause to others. Idaho requires 25/50/15, but post-SR22 drivers often need 100/300/100 to access standard carriers.

Full Coverage

Liability plus comprehensive and collision. Required by lenders and unlocks the widest post-SR22 carrier competition in Idaho.

Comprehensive Coverage

Non-collision losses: theft, vandalism, weather, animal strikes. Idaho's deer and elk populations make this particularly relevant.

Uninsured Motorist Coverage

Protects you when an uninsured driver causes an accident. Not required in Idaho but recommended for post-SR22 drivers.

Collision Coverage

Repairs your vehicle after an at-fault accident or collision with an object. Required by lenders and often bundled with comprehensive.

SR-22 Insurance

A certificate filed by your insurer proving you carry minimum coverage. Your requirement has ended or is ending—time to transition.

Find Your City in Idaho

Boise

urban

Meridian

suburban

Nampa

suburban

Idaho Falls

urban

Caldwell

suburban

Pocatello

urban

Coeur d'Alene

urban

Twin Falls

urban