Updated March 2026
State Requirements
Idaho requires minimum liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. Drivers convicted of DUI, driving without insurance, multiple violations within 12 months, or failing to satisfy a judgment must file SR-22 proof of financial responsibility with the Idaho Transportation Department. The SR-22 requirement remains in effect for 3 years from the date of reinstatement. During this period, any lapse in coverage triggers license suspension and restarts the 3-year clock.
Cost Overview
High-risk auto insurance in Idaho costs significantly more than standard coverage due to the increased likelihood of claims associated with DUIs, violations, and at-fault accidents. Average annual premiums for drivers requiring SR-22 filing range from $2,400 to $4,800 depending on offense type, age, location, and driving history. DUI convictions typically produce the steepest increases (100–200% above standard rates), while multiple violations or at-fault accidents may increase premiums by 50–120%.
What Affects Your Rate
- Violation type and severity (DUI convictions carry the highest surcharges, often doubling premiums)
- Time since offense (rates typically decrease 10–20% annually after 3 years with no new violations)
- Age and gender (drivers under 25 with SR-22 requirements pay 30–60% more than those over 30)
- Location within Idaho (Boise and Meridian average 15–25% higher than rural counties due to higher claim frequency)
- Credit score (Idaho allows credit-based insurance scoring; poor credit can add 20–40% to high-risk premiums)
- Vehicle type and value (newer vehicles requiring full coverage cost significantly more to insure with SR-22 filing)
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your insurer proving you carry at least Idaho's minimum liability limits. Required for DUI convictions, license suspensions, and multiple violations.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Idaho's 25/50/15 minimums are low compared to potential lawsuit costs.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when you're hit by a driver without insurance or in a hit-and-run accident. Optional in Idaho but highly recommended.
Non-Standard Auto Insurance
Specialized coverage from carriers that accept high-risk drivers rejected by standard insurers. Typically requires higher down payments and offers fewer discounts.
Comprehensive Coverage
Covers damage to your vehicle from theft, vandalism, weather, fire, and animal strikes. Required by lenders on financed vehicles.
Collision Coverage
Pays for damage to your vehicle in an at-fault accident or single-vehicle crash, minus your deductible. Required by lenders if financing or leasing.
