Idaho SR-22 Auto Insurance

The Zebra
Nov. 16, 2018

If you need an SR-22 to get car insurance in Idaho, don't worry. This relatively routine insurance requirement is prompted by citation like a DUI, a driving-without-insurance citation, an accident with substantial property damage, driving with a suspended license, or piling up too many points on your license.

Getting cheap insurance coverage with an SR-22 certificate in Idaho might take some research, but the savings are worth the trouble. The Zebra explored how much an Idaho SR-22 usually costs and how to go about getting one — let's dive into the details.


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How much is Idaho SR-22 insurance?

Insurance with an SR-22 in Idaho can be expensive. This isn't a direct cost of the SR-22 — filing fees might be just $15 to $35 — but a product of the insurance cost increases initiated by the driving violation that prompted the SR-22 requirement.

Insurance companies charge high-risk clients more to account for the increased chance of claims payouts via collisions. The rate increase you’ll face depends on the number and severity of your violations — below are typical auto insurance rates for motorists with SR-22s in Idaho.


IDAHO CAR INSURANCE RATES BY CITATION
High-risk rating factorAverage annual rateIncrease vs. no violations
No violations$1,018.33
At-fault accident (>$2,000)$1,324.00$305.67
Speeding (21-25 mph > limit)$1,267.50$249.17
Reckless driving$1,558.42$540.09
Racing$1,442.00$423.67
Leaving the scene of an accident$1,422.19$403.86
DUI/DWI$1,585.59$567.26

If you want to purchase inexpensive car insurance with a SR-22 certificate, we are here to help. Enter your ZIP code to get personalized car insurance quotes from leading companies.


How to get an SR-22 certificate in Idaho


If you have car insurance:

If you have an active car insurance policy, requesting an SR-22 isn't too tough. Just call your auto insurance company and request it file a SR-22 request for you. If your current insurer declines to file for an SR-22, you should start the car insurance comparison shopping process.

For uninsured drivers:

When filing for car insurance, you may need to pay extra to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 could disqualify you from getting coverage from some companies, while others will sell you a policy.

If you aren't a vehicle owner:

Not owning a vehicle makes it more difficult to obtain an SR-22, as you'll need proof of insurance to receive the certificate. If you don't own a vehicle, you should get a non-owners auto insurance policy before requesting a certificate. Non-owners auto coverage is typically cheaper than standard coverage since it won’t provide protection for physical damages to your car.

Our methodology

Between September and December 2017, The Zebra conducted comprehensive analysis using its proprietary quote engine, comprising data from rating platforms and public rate filings. The Zebra assessed almost 53 million rates to examine trends for specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.

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