If you are convicted of a serious traffic violation in Idaho, you might be required to purchase SR-22 insurance. Idaho SR-22 insurance is not actually a type of car insurance policy but rather a certificate that proves your policy meets or exceeds the state’s minimum car insurance requirements.
Idaho uses the SR-22 form to validate proof of insurance for high-risk drivers. In other states, alternative forms may be used. Not only will an SR-22 show up on your driving record, but it has a number of financial consequences.
What is “SR-22 insurance?”
SR-22 insurance is a bit of a misnomer. An SR-22 is not an insurance policy, it’s an official document issued by a car insurance company that proves you carry at least the minimum amount of car insurance required in your state. SR-22s are typically required for drivers who have been convicted of a serious traffic violation, like a DUI or DWI, were caught driving without insurance or had their driver’s license suspended.
In order for an insurance company to issue an SR-22 in Idaho, you must have an active car insurance policy with at least 25/50/15 insurance. This means you must purchase at least the following coverage types and limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
Not every insurance provider in Idaho offers SR-22 insurance; even some of the best car insurance companies aren’t able to insure high-risk drivers. If your insurance carrier does not provide SR-22s, you may be able to shop around to find a company that specializes in non-standard insurance and switch your policy. Once your policy is active and paid for at least a month, your Idaho car insurance company will send the SR-22 form to the state on your behalf.
SR-22 Idaho alternatives
Idaho requires drivers to file an SR-22 after a serious traffic offense. However, alternative forms may be used depending on the state, the type of violation and the number of offenses the driver has committed. The table below highlights a few common SR-22 alternatives, where they are issued and how they impact insurance coverage requirements:
|Form||States issued||Required insurance minimums|
|SR-22||Most states (excluding Delaware, Kentucky, Maryland, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania)||State minimum|
|SR-19||California, Texas||Uninsured motorist coverage|
|SR-21||Florida, Hawaii||State minimum|
|SR-22A||Georgia, Texas, Missouri||State minimum or more, pre-paid|
|FR-44||Florida, Virginia||Higher than state minimum (up to double)|
- SR-19: This form is used in California and Texas for uninsured driver claims.
- SR-21: An SR-21 verifies insurance coverage at the time of an accident or ticket.
- SR-22A: SR-22A forms are similar to SR-22s, but they prove that the driver has paid for coverage for a longer period of time.
- FR-44: FR-44s and SR-22s are similar, but the FR-44 form requires drivers to purchase higher liability coverage limits.
- FR-19: This form is unique to Maryland and shows proof of insurance for 30 days.
- SR-50: In Indiana, SR-50s are used to verify coverage at a date in the past.
Drivers who are required to get an SR-22 but don’t have their own vehicle might need to buy a non-owner car insurance policy. This policy type provides coverage for drivers who do not own a car but still need liability insurance. You’ll need to let your company know that you need the SR-22 filing and the carrier will file it with the state as usual.
SR-26 in Idaho
If you need an Idaho SR-22, you might also come across the SR-26 form. The SR-26 form is filed if your policy has been cancelled. This form notifies the Transportation Department that your coverage is no longer active. If you fail to maintain your insurance policy when you have an SR-22 filing and your company files an SR-26 with the state, your license may be suspended until you can show proof of coverage again.
SR-22 Idaho insurance costs
Having an SR-22 on your record comes with financial consequences. In order to file an SR-22, your car insurance carrier will likely charge a filing fee, which is generally not too expensive. If your driver’s license has been suspended, you will also need to pay a reinstatement fee, which ranges from $15 to $285 in Idaho.
Having an SR-22 on your driving record will likely cause your insurance premium to increase. This isn’t due directly to the SR-22, but rather because of the driving incident that prompted the need for the SR-22. Your premium will likely remain higher than usual until the SR-22 is no longer needed, and potentially longer. Keep in mind that, while your options may be more limited than if you had a clean driving record, you can shop around to find the cheapest Idaho car insurance for your situation.
In addition, you will also have to deal with the financial repercussions of the violation you received. For example, if you need Idaho SR-22 insurance following a DUI conviction, you may have to pay for your court and lawyer fees, a settlement with other drivers and potentially a hefty fine for the incident itself.
Frequently asked questions
How long do I need an SR-22 in Idaho?
In the state of Idaho, the length of time that a driver will have an SR-22 on their record depends on the type of offense committed. Typically, drivers are required to maintain SR-22 insurance for anywhere from three to five years.
How do I get SR-22 insurance in Idaho?
To get an SR-22 in Idaho, you will need to find an insurance company that offers SR-22 certificates. SR-22 insurance is commonly available through non-standard insurance companies. Once you complete the paperwork and pay the filing fee, the insurance company will send the SR-22 to the Idaho Transportation Department for processing.
How much does SR-22 insurance cost in Idaho?
SR-22 insurance in Idaho is generally more expensive than if an SR-22 form was not needed. You will need to pay the insurance company’s filing fee, which is usually fairly inexpensive. However, your driving citation that led to the SR-22 filing will likely increase your premium.
How can I save money on car insurance with an SR-22?
It is possible to find cheap car insurance in Idaho with an SR-22 on your record. Taking advantage of discounts, paying your premium in full, improving your credit score and maintaining a clean driving record for the future could help you lower your premium.
What is the average cost of car insurance?
The average cost of car insurance in the United States is $565 per year for a minimum coverage policy and $1,674 per year for a full coverage policy. In Idaho, the average annual premium is $307 for minimum coverage and $1,045 for full coverage. However, these rates are for drivers with a clean driving record; if you have an infraction that means you need an SR-22, you’ll likely pay more. Car insurance rates vary by state but can also vary within a state, so your city will impact how much you pay. Other rating factors, like the car you drive and the coverage types you choose, will also affect your premium.