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.
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
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Get Your Free QuoteCoverage 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.
