Idaho DUI SR-22 Filing & High-Risk Insurance
Idaho requires 25/50/15 liability coverage and is an at-fault state.
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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
Idaho operates under a traditional tort liability system. All drivers must carry proof of insurance and provide it on demand to law enforcement or at accident scenes. After a DUI conviction, Idaho Transportation Department requires continuous SR-22 filing for the duration of your suspension and reinstatement period, which typically runs three years from your license reinstatement date. Filing lapses trigger immediate license re-suspension.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured/Underinsured Motorist Coverage
What Drivers Pay in Idaho
$231–$287/mo
Typical monthly rate in Idaho, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Time since conviction matters immediately: rates begin declining after 12 months violation-free, with the steepest drop occurring when your SR-22 period ends and you re-enter the standard market.
- Repeat-offense DUI convictions lock you into the highest non-standard tier for the entire filing period, typically doubling the rate increase compared to a first offense.
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf 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
Frequently Asked Questions
How long do I need SR-22 filing in Idaho after a DUI?
Idaho Transportation Department typically requires three years of continuous SR-22 filing from your license reinstatement date, not your conviction date. If you delay reinstating your license for six months after eligibility, your three-year SR-22 clock does not start until reinstatement is complete, extending the total timeline. Any lapse in coverage during the filing period resets the clock and triggers immediate re-suspension.
Will my current carrier file SR-22 after a DUI in Idaho?
Most major carriers including State Farm, Geico, Allstate, and Progressive will file SR-22 for existing customers after a DUI conviction but typically non-renew your policy at the end of the current term, which is usually six or twelve months. You then move to the non-standard market with carriers like Dairyland, Bristol West, The General, or GAINSCO, which specialize in high-risk drivers and charge significantly higher premiums.
What happens if my SR-22 policy lapses in Idaho?
Your carrier notifies Idaho Transportation Department electronically the same day your policy lapses or cancels. The state suspends your license immediately, and you cannot reinstate until you purchase a new SR-22 policy, pay a reinstatement fee, and restart your three-year filing period from the beginning. Even a single missed payment can trigger this sequence.
Does Idaho accept out-of-state SR-22 if I move after my DUI?
If you move to Idaho with an active SR-22 requirement from another state, you must obtain an Idaho SR-22 policy within the timeframe Idaho Transportation Department allows for new residents to register vehicles and obtain a license, typically 90 days. Your original state's filing period does not transfer directly, and Idaho determines the remaining duration based on the nature of your conviction and time already served.
Coverage Types
SR-22 Insurance
Continuous liability coverage with electronic filing to Idaho Transportation Department proving you meet state minimums. Any lapse triggers immediate license re-suspension.
Non-Owner SR-22
Liability-only policy for drivers who do not own a vehicle but need SR-22 filing to satisfy Idaho's reinstatement requirements. Covers you when driving borrowed or rental vehicles.
Liability Insurance
Pays medical bills, lost wages, and property damage you cause to others in an at-fault accident. Required by Idaho law and forms the foundation of your SR-22 filing.
Uninsured Motorist Coverage
Pays your medical bills and lost wages when an at-fault driver has no insurance or insufficient coverage. Idaho carriers must offer this at policy inception.
Full Coverage
Liability plus collision and comprehensive coverage for damage to your own vehicle, regardless of fault. Required by lenders if you finance or lease a vehicle.