Restricted License Insurance
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Restricted License Insurance — Idaho

Idaho requires 25/50/15 minimum liability coverage and SR-22 filing for restricted license holders. Average monthly premium for restricted license drivers ranges $140–$210, depending on the underlying violation and IID monitoring requirements.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

Minimum Coverage Requirements in Idaho

Idaho is a tort state, meaning the at-fault driver's insurance pays for damages in an accident. The Idaho Transportation Department requires SR-22 filing for drivers seeking a restricted license after a DUI or major violation. Restricted license holders must carry continuous liability coverage meeting state minimums and install an ignition interlock device for the duration of the restricted period.

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$25,000 per person / $50,000 per accident
Bodily Injury Liability
Covers medical expenses, lost wages, and legal costs when you injure someone in an accident you caused. Idaho's 25/50 minimum covers less than the average emergency room visit plus ambulance transport. One serious injury claim can exceed this limit within hours, leaving you personally liable for the remainder.
$15,000 per accident
Property Damage Liability
Pays for damage to another driver's vehicle or property when you are at fault. Idaho's $15,000 minimum falls short of replacement cost for most vehicles — the average new car in Idaho exceeds $35,000, and many used trucks and SUVs exceed the limit. If you total a newer vehicle, the gap is yours to pay.
Continuous filing for 3 years
SR-22 Certificate of Financial Responsibility
Idaho Transportation Department requires SR-22 filing for all restricted license holders. Your insurer files the SR-22 electronically with the state to prove continuous coverage. If your policy lapses for any reason, the insurer notifies the state within 24 hours and your restricted license is suspended immediately until you refile.
Not required
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when you are hit by a driver with no insurance or insufficient coverage. Idaho does not mandate this coverage, but approximately 10% of Idaho drivers operate without insurance despite the legal requirement. Refusing uninsured motorist coverage in writing is your only way to opt out — if you don't sign the rejection form at policy inception, most carriers add it automatically.
Required for restricted license
Ignition Interlock Device Compliance
Idaho law requires installation of an ignition interlock device on all vehicles you operate while holding a restricted license after a DUI. The device prevents the vehicle from starting if it detects alcohol. Monthly monitoring fees run $60–$100, plus installation costs of $75–$150. Your restricted license is valid only while the IID remains installed and calibrated.
State-Mandated Minimum Coverage · Idaho

Idaho Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$15,000

License Reinstatement Fee$25

Meeting the state minimum keeps you legal. See whether it's enough — get your Idaho quote.

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How Much Does Car Insurance Cost in Idaho?

Idaho restricted license insurance costs significantly more than standard auto policies due to SR-22 filing requirements, mandatory IID monitoring, and the underlying violation on your driving record. DUI-related restricted licenses trigger the highest rate increases, often 80–120% above standard rates for the first two years.

What Affects Your Rate

  • DUI or reckless driving violations increase rates 80–120% for the first two years after conviction in Idaho
  • SR-22 filing adds $15–$50 per month depending on the carrier and violation type
  • Ignition interlock device monitoring costs $60–$100 monthly on top of your insurance premium
  • Ada County and Canyon County residents pay 12–18% more than rural Idaho drivers due to higher accident frequency
  • Drivers under 25 with restricted licenses pay an additional 30–50% surcharge compared to older drivers with identical violations
  • Maintaining continuous coverage without lapses for 12+ months can reduce rates 10–15% even while SR-22 filing remains active
Minimum Coverage
$140–$175/mo
Meets Idaho's 25/50/15 minimums with SR-22 filing. Leaves you exposed to significant out-of-pocket liability if you cause a serious accident. Does not include collision or comprehensive coverage for your own vehicle damage.
Standard Coverage
$180–$225/mo
Increases liability limits to 100/300/50 and adds uninsured motorist coverage. Provides meaningful protection against uninsured drivers and reduces personal financial exposure in multi-vehicle accidents. Collision and comprehensive remain optional.
Full Coverage
$240–$320/mo
Adds collision and comprehensive coverage to protect your vehicle from damage or theft, plus higher liability limits. Required if you finance or lease your vehicle. Most expensive option but provides complete protection and peace of mind during the restricted license period.

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Coverage Types

SR-22 Insurance

Certificate of financial responsibility filed by your insurer to prove continuous coverage to the Idaho Transportation Department. Required for all restricted license holders.

Non-Owner SR-22 Insurance

Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to maintain a restricted license. Covers you when driving borrowed or rental vehicles.

High-Risk Auto Insurance

Specialized coverage for drivers classified as high-risk due to DUI, license suspension, or multiple violations. Provides full liability and physical damage coverage despite elevated risk profile.

Full Coverage with SR-22

Combines liability, collision, comprehensive, and uninsured motorist coverage with SR-22 filing. Required if you finance or lease your vehicle during the restricted license period.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage when you are hit by a driver with no insurance. Optional in Idaho but critical given the percentage of uninsured drivers on the road.

Find Your City in Idaho

Boise, Idaho cityscape and street view

Boise

urban
Meridian, Idaho cityscape and street view

Meridian

suburban
Mountain landscape with snow-capped peaks, evergreen forest, and open meadow in foreground

Nampa

suburban
Rural farmland with white buildings and mountains in background during colorful sunset with pink and orange sky

Idaho Falls

urban
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Caldwell

suburban
Aerial view of snowy downtown street with historic Hotel Yellowstone building and vintage Western architecture

Pocatello

urban
Mountain landscape with granite cliffs reflected in calm water during golden hour sunset

Coeur d'Alene

urban
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Twin Falls

urban

Frequently Asked Questions

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