Idaho SR-22 Car Insurance: Costs and Quotes (2022)

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Last Updated: January 2022

Cheapest Companies for SR-22 Insurance in Idaho (2022)

For drivers with SR-22 in Idaho, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after an SR-22.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Idaho. The following are the best insurance rates from carriers that offer car insurance for drivers with an SR-22 in Idaho.

How Much Does SR-22 Insurance Cost in Idaho?

Drivers typically enjoy low average monthly auto insurance rates in Idaho if they don't have any violations. The average rate for this group of drivers is $137. Drivers who are required to get an SR-22 will see their rates rise by roughly 24 percent. This can lead to nearly $400 in additional costs each year.

No Violation - Avgerage Monthly RateWith SR-22 - Average Monthly Rate
$33 ▴Difference in Average Monthly Rate
24.09% ▴Percent Change in Average Monthly Rate

Insurify's comparison tool will help you make sure you're getting the best possible quote even after an SR-22. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

What Is an SR-22, and Who Needs One in Idaho?

For drivers who have major driving violations on their record, an SR-22 might be required by the state of Idaho. The document is necessary if you have been convicted of a DUI/DWI, multiple driving violations, or an at-fault accident without insurance. No matter the reason, having an SR-22 often results in a spike in your average monthly rate.

The main reason for the SR-22 form is that it allows you to show proof that you are maintaining the minimum auto insurance coverage required by your state. In most cases, drivers who must obtain an SR-22 will need to keep the certificate active for a minimum of three years.

How Much Does Credit Score Affect SR-22 Insurance Costs in Idaho?

In Idaho, the impact that credit scores have on the costs of an SR-22 is minimal. In fact, drivers who have an excellent credit rating pay $30 more after an SR-22, while those who have a poor credit rating pay $37 more. This is only a $7 difference. Currently, the average increase in cost for drivers with an SR-22 compared to drivers without one ranges from $30 to $37.

Credit TierDifference

How to Find the Best SR-22 Insurance Rate in Idaho

Several insurance providers offer SR-22 policies in Idaho; finding a plan isn't all that difficult. However, taking the first quote you receive may result in you missing out on an opportunity to lock in a lower rate. Using a company like Insurify makes comparing quotes quick and easy. Simply answering a couple of questions will allow you to review multiple quotes at once.

Non-Owner SR-22 Insurance in Idaho

You will want to consider a non-owner SR-22 instead of a standard SR-22 form if you don't currently have a vehicle and need proof of insurance to get your license reinstated. Keep in mind, though, you will only qualify for it if no one in your household owns a vehicle.

Alternatives to an SR-22 in Idaho

In Idaho, there aren't any direct alternatives to obtaining an SR-22; however, you might be able to find lower rates to help offset the added costs. Shopping around at multiple insurance providers for quotes tends to be the best route to take if you are looking for affordable SR-22 insurance.

How Do I Get SR-22 Insurance in Idaho

The only way to get an SR-22 form in Idaho is typically through an insurance provider. Even if your insurance company offers it as an option, it is always a good idea to get a couple of quotes before making your decision. Insurify can help you quickly review and compare your insurance quotes, helping to make the process as painless as possible.

Frequently Asked Questions

How long do you need an SR-22 in Idaho?

Depending on the reason and violation for needing to obtain an SR-22, some drivers may only need to keep it active for one year. Other drivers, however, may have requirements of as long as three years. All drivers with the SR-22 must maintain the auto insurance coverage laid out by the state of Idaho.

What happens to my SR-22 in Idaho if I move?

If you move out of Idaho, you will need to make sure that your SR-22 is transferred over to your new state. Most of the time, communicating your intentions to relocate with your current insurance provider is enough, but you will also want to check with your new provider and DMV as well.

Do I need an SR-22 in Idaho if I don’t have a car?

You will still need to obtain an SR-22 even if you don't have a vehicle. Instead of a standard SR-22, you will need to get a non-owner SR-22. This type of form is the best way to show proof of insurance to the state if you need to get your license reinstated.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.