If you need an SR-22 certificate to obtain auto insurance in Idaho, you aren't the only one. This relatively common insurance requirement is triggered by a driving citation like a DUI conviction, a ticket for driving without insurance, an accident with substantial property damage, a citation for driving with a suspended license, or collecting too many license points.
Finding affordable insurance with a SR-22 in Idaho might require some effort, but it's worth the trouble. We examined how much a SR-22 typically costs in Idaho and how to easily get one — let's take a look.
How much does an SR-22 cost in Idaho?
SR-22 insurance in Idaho can be expensive. This isn’t due to the cost of obtaining an SR-22 certificate — filing fees are usually $15 to $35 — but a product of the insurance rate increases affiliated with the driving violation that necessitated the SR-22 in the first place.
Auto insurance companies charge high-risk clients steeper rates to account for the more substantial risk of having to pay out a claim after a crash. The rate increase you could face will depend on the number and severity of your violations — below are standard car insurance premiums after an SR-22 in Idaho.
IDAHO INSURANCE RATES AFTER COMMON VIOLATIONS
|High-risk rating factor||Average yearly rate||Increase vs. clean record|
|At-fault collision (>$2,000)||$1,611||$447|
|Speeding (21-25 mph > limit)||$1,319||$155|
If you are trying to find inexpensive car insurance with a SR-22 certificate, we're here to help. Submit your ZIP code to find personalized car insurance quotes from leading companies.
How to acquire an SR-22 in Idaho
Currently insured?With an active insurance policy, getting an SR-22 certificate shouldn't be too difficult. Just call your insurance company ask the company to file a SR-22 request on your behalf. If your current insurance company refuses to file an SR-22 request, you'll need to look for a new insurer.
If you're currently uninsuredWhen applying for car insurance, you might face an additional fee to cover the cost of the SR-22 request form and your high-risk driving profile. An SR-22 requirement may disqualify you from purchasing insurance from some carriers, while others will sell you a policy.
Without a vehicleNeeding an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicleNot owning a vehicle makes getting an SR-22 even harder, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should purchase a non-owners auto insurance policy before requesting a certificate. Non-owners car insurance is typically cheaper than a standard policy since it doesn't protect against physical damage to your vehicle.
Methodology and data sources
The Zebra conducted in-depth pricing analysis via its proprietary quote engine, including data from insurance rating platforms and public rate filings. The Zebra surveyed almost 53 million rates to explore trends for specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.