Idaho SR-22 & High-Risk Auto Insurance After DUI
Idaho requires 25/50/15 liability coverage and is an at-fault state.
Compare Rates After a ViolationIdaho 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
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Idaho
The Idaho Transportation Department mandates SR-22 filing for drivers with DUI convictions, license suspensions for accumulating too many points, at-fault accidents while uninsured, and repeat violations within 12 months. If you've received a suspension notice or court order requiring SR-22, you typically have 30 days to file proof of insurance or face extended suspension. These minimums may not be sufficient for high-risk drivers facing lawsuits after at-fault accidents, as Idaho injury claims can exceed minimum limits quickly.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Full Coverage
Uninsured/Underinsured Motorist Coverage
What Drivers Pay in Idaho
$184–$217/mo
Typical monthly rate in Idaho, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Violation type: DUI convictions cost more than speeding tickets; multiple violations compound rate increases
Shop Again Before Your Next Renewal Hits
Compare Rates After a ViolationCoverage Types
SR-22 Insurance
Certificate filed by your carrier proving you maintain Idaho's minimum liability coverage. Required after DUI, suspension, or uninsured accidents for 3 years without lapse.
Non-Standard Auto Insurance
Policies designed for drivers with violations, suspensions, or lapses that standard carriers decline. Often the only option for SR-22 filers in Idaho.
Liability Insurance
Covers injury and property damage you cause to others in an at-fault accident. Idaho requires 25/50/15 minimums, but higher limits protect wages and assets from lawsuits.
Full Coverage
Combines liability with comprehensive and collision to repair or replace your vehicle. Required by lenders even if you have SR-22 status.
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance or a hit-and-run. Not required in Idaho but recommended given the state's estimated 11% uninsured rate.
High-Risk Rate Reduction
Premiums drop 10–15% at each annual renewal with no new violations. Most drivers return to standard rates within 3–5 years of their last incident.