Idaho SR-22 Insurance (2026): Cost & Cheapest Companies After a DUI
After an Idaho DUI, ITD requires an SR-22 for 3 years from the end of your suspension period. Since January 1, 2025, insurers file SR-22 and SR-26 forms electronically through Idaho’s Insurance Verification System — the process is faster than it used to be. Here’s what it costs and how to find the best rate.
| What it is | Certificate your insurer files with ITD proving you carry state-minimum liability coverage (I.C. §49-1208/§49-1220) |
| How long you carry it | 3 years, beginning at the conclusion of your suspension period (ITD) |
| Electronic filing | Since January 1, 2025, insurers file SR-22 and SR-26 through Idaho’s Insurance Verification System |
| Filing fee | $15–25 (the certificate; the premium surcharge is the real cost) |
| Typical premium, first DUI | ~$110–180/mo vs. ~$55–85 for a clean-record driver |
| Minimum liability limits | 25/50/15 ($25k bodily injury / $50k per crash / $15k property damage) |
| If it lapses | Insurer files SR-26 → ITD suspends license → reinstatement fees → clock may reset |
How much SR-22 costs in Idaho
The SR-22 filing fee is only $15–25. The real cost is the DUI premium surcharge — a first-DUI Idaho driver typically pays $110–180/month for minimum coverage, versus $55–85 with a clean record. That surcharge runs for the full 3 years from the end of your suspension period. Comparing carriers at the start — and again at each annual renewal — is the most effective way to reduce what you pay over the full term.
Cheapest SR-22 carriers in Idaho
Most standard insurers don’t write SR-22 policies. The market concentrates among carriers that specialize in higher-risk coverage, and quotes for the same driver routinely differ by 200% or more. Starting points for 2026:
| Carrier | Notes |
|---|---|
| State Farm | Often the most competitive standard carrier for a first DUI in Idaho |
| Progressive Specialty | Strong non-standard market presence statewide |
| Allstate | Broad Idaho availability, competitive for single-offense records |
| Bristol West / Kemper Specialty | Non-standard carriers that routinely write SR-22 policies |
Availability and pricing depend on your driving record, county, and vehicle. Compare multiple carriers before buying.
How to file an SR-22 in Idaho
Your insurer handles the filing — not you. The process:
- Buy a policy from a carrier that writes SR-22s in Idaho.
- Request the SR-22 filing — since January 2025, carriers submit electronically through Idaho’s Insurance Verification System, often same day.
- Keep the policy active without any lapse for 3 years from the end of your suspension period.
- When the term ends, your insurer files an SR-26 to close the obligation. Confirm before canceling coverage.
ITD reinstatement fees apply separately: $285 for a DUI conviction or $245 for an ALS/refusal suspension, paid directly to ITD.