Official Idaho Guide

Idaho SR-22 Insurance

A complete roadmap to satisfying Idaho ITD requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

25/50/15

$25k BI / $50k Total / $15k PD

Mandate Term

3 Years

Required from the date of reinstatement

Filing Fee

~$15 - $25

One-time administrative cost

How Idaho SR-22 Filing Works

In Idaho, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Idaho Transportation Department (ITD). It serves as legal evidence that you carry the state-mandated minimum liability insurance (25/50/15) required to restore and maintain your driving privileges.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license and may reset your 3-year filing period.

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Who Needs to File in ID?

DUI Conviction: Operating a motor vehicle under the influence of alcohol or controlled substances.
Excessive Points: Accumulating too many points on your driving record within a short timeframe (e.g. 12-24 points in 12-36 months).
Uninsured Accident: Being involved in an accident while failing to maintain valid liability insurance.
Mandatory Revocation: Any administrative hold or court order requiring proof of financial responsibility for reinstatement.

Don't Own a Car in Idaho?

You can still get reinstated! An Idaho Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow. It satisfies the Idaho ITD requirement and is typically much cheaper than a standard owner's policy.

Read our full guide on Non-Owner policies

The ID Reinstatement Timeline

Check Eligibility

Access the Idaho ITD 'Driver Services' portal to verify your specific suspension details and required fees.

Secure SR-22

Purchase a policy with 25/50/15 limits. Your insurance carrier will electronically transmit the certificate to the ITD.

Pay Reinstatement Fee

Pay the mandatory reinstatement fee (ranging from $25 to $285) online through the official ITD website.

Status Valid

Once the SR-22 is logged and the fee is processed, your license status returns to 'Valid' in the state database.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Idaho:

First Offense

Suspension Extension

Court Fines

Up to $1,000 + Court Costs

SR-22 Period

3-Year Clock Resets

Legal Risk

Driving Without Privileges (DWP) Arrest

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Idaho Filing FAQs

How much is the filing fee in Idaho?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the Idaho ITD. This is separate from your monthly premium.

Can I drive out of state with an ID SR-22?

Yes. Your Idaho SR-22 is valid nationwide. You must maintain the Idaho-specific limits (25/50/15) to satisfy the state's requirement.

What is the difference between SR-22 and normal insurance?

An SR-22 is a certificate of financial responsibility attached to your insurance policy. It serves as an automated reporting mechanism for the ITD.

Can I get a Non-Owner policy in ID?

Yes, Idaho allows Non-Owner SR-22 filings. This is often the most cost-effective way to restore your license if you do not own a vehicle.

Will my license be suspended if I miss a payment?

Yes. Idaho law requires insurers to notify the ITD immediately (via SR-26) if your policy lapses, which triggers an instant suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, verify with the ITD that your requirement is clear. You can then instruct your insurer to remove the SR-22 filing.

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