How to Get Non-Owner SR-22 Insurance in Idaho

To get an SR-22 in Idaho, you’ll need to ask your insurance company to file one on your behalf.
Written by Jasmine Kanter
In Idaho, an insurance company is required to file an SR-22 directly with the Idaho Department of Transportation (ITD).
If you’ve been convicted of a major traffic offense, chances are that your license has been suspended or revoked and you’re required to provide an SR-22. Don’t worry—it’s fairly easy to add an SR-22 to
non-owner car insurance
in Idaho. Follow our guide, and you’ll be back on the road in no time.
In this article, we’ll explain how to get non-owner SR-22 insurance in Idaho. You’ll learn about the
car insurance
you need, which forms to fill out, and the responsibilities that come with an SR-22. We’ve also included some tips and tricks for finding cheap coverage!

What is SR-22 insurance?

There’s no such thing as
SR-22
insurance. An SR-22 is a form that certifies a driver is carrying the legal minimum car insurance.

Who needs an SR-22 in Idaho?

The only drivers who are required to provide an SR-22 in Idaho are those whose licenses have been suspended or revoked. This could follow a lesser offense, like racking up too many
demerit points
, skipping school, or driving with a suspended license. However, typically, it accompanies a conviction for a major traffic offense such as:
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How much does an SR-22 cost?

You'll have to pay $15 to $25 to your insurance company to file an SR-22 certificate. During the filing requirement period, you could be required to pay a single fee or to pay annually. You'll also have to pay a fine if you let your coverage lapse during this time.

How long does an SR-22 requirement last in Idaho?

You’re required to keep an SR-22 on file with the
Idaho Department of Transportation (ITD)
for three years after your conviction. You must also maintain minimal car insurance coverage (or more) during this time. If you can meet these requirements and keep a
clean driving record
, you can ask your insurance company to scrub your SR-22 from their records once the requirement is lifted.

How to get non-owner SR-22 insurance in Idaho

An SR-22 certifies that you’re carrying the minimum amount of car insurance required by law, so you have to buy a policy to get one. Afterward, you can ask your insurance company to file the form on your behalf. 

How much car insurance do I need?

If you don’t own the car(s) you drive, you need non-owner car insurance. At a minimum, your policy must feature
liability coverage
, which pays for any damages you cause behind the wheel. Idaho’s minimum coverage limits follow a 25/50/15 rule, which translates to:

How do I get an SR-22 in Idaho?

Once you’ve bought a policy (or you’ve been handed a filing requirement), you need to ask your insurance company to file an SR-22. They’ll have to
request an application form online
and then submit it directly to the ITD. Ask your provider to let you know as soon as your SR-22 has been accepted and approved.
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How do I get my license reinstated?

If your license has been suspended or revoked, the last step is to reinstate it. What you need to do depends on how you lost it in the first place. You might have to pay a fine, install an ignition-interlock device, or apply for a whole new license. Fortunately, the
ITDMV
should provide you with all the instructions you need to regain your ID.

How do I find an insurance provider?

If you’re looking for a new insurance provider (or you’ve told your existing provider about the loss of your license), you’ve probably discovered that some companies don't cover
high-risk drivers
. And the ones that do charge incredibly high premiums!
Here are a few tips for finding a company that’ll provide you with an SR-22 and savings:
  • Compare rates. The best way to find a great deal is to
    compare car insurance rates
    . Different providers calculate their premiums differently, so you could find hundreds of dollars of yearly savings with a little patience!
  • Look for discounts. Some savings only take a small investment of time and money, like taking a
    defensive driving course
    or
    paying in full
  • Use a
    licensed insurance agent
    . A great insurance agent can do both of the items above and more. They can also point you to companies that are willing to insure high-risk drivers, like
    State Farm
    ,
    Progressive
    , and
    USAA
    .
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, I was impressed at how their representative took care of my situation. He was so knowledgeable about my state’s insurance laws!” —Rabi B.
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FAQs

No. The Idaho DMV only accepts SR-22s from drivers who are required to file them. An SR-22 filing requirement usually follows a conviction for a major traffic violation, a driver’s license suspension, or a driver’s license revocation.
First-time offenders in Idaho are required to file an SR-22 for three years. If you want to avoid even more serious penalties, you’ll need to maintain insurance coverage and drive as safely as possible. Repeated traffic violations can extend your filing requirement period.
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