Progressive SR-22 After Idaho DUI
You received a DUI conviction in Idaho and need SR-22 filing to reinstate your license. Progressive's website lets you start a quote online, but the system won't give you a final rate until underwriting reviews your driving record manually. That review adds 24-72 hours before you know whether Progressive will accept your application and what you'll actually pay.
Idaho requires SR-22 filing for 3 years after DUI conviction under Idaho Code § 18-8005. Progressive files electronically with the Idaho Transportation Department within 1-3 business days after your policy binds, but the policy won't bind until underwriting clears. If you're counting on same-day filing, Progressive's manual review window makes that timeline impossible.
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Get Your Free QuoteProgressive SR-22 Filing Window
1-3 business days
Progressive submits SR-22 certificates to Idaho ITD electronically after the policy is active. The filing happens quickly once underwriting approves your application, but manual review for DUI cases delays policy activation by an additional 1-3 business days.
Progressive SR-22 filing timeline per carrier disclosure materials
What Progressive Charges Idaho DUI Drivers
Progressive's post-DUI premium in Idaho typically runs $140–$220 per month for minimum liability coverage with SR-22 filing. That range reflects variation by county, age, and how recently the DUI occurred. Drivers under 25 or with multiple violations pay toward the high end. The SR-22 filing itself adds $15-$25 to your six-month premium as a one-time processing fee, not a monthly surcharge.
Progressive does not publish DUI surcharge tables. Your actual rate depends on how their proprietary underwriting model scores your conviction date, BAC level if disclosed, and whether you completed substance abuse evaluation. Two drivers in the same Idaho county with identical DUI convictions can receive quotes $40/month apart based on these factors. Estimates based on available industry data; individual rates vary by driving history, vehicle, coverage selections, and location.
If Progressive's quote exceeds $200/month and you drive infrequently, non-owner SR-22 insurance from a non-standard carrier like Dairyland or The General typically costs $60–$90/month. Non-owner policies satisfy Idaho's SR-22 requirement without insuring a specific vehicle.
Progressive won't lock your rate until manual underwriting reviews your DUI. That review adds 1-3 business days to the quote process and can result in declination if your violation falls outside their acceptance guidelines.
How Progressive's DUI Underwriting Works
Progressive's online quote system pre-screens your Motor Vehicle Record when you enter your license number. If the system detects a DUI conviction within the past 5 years, it flags your application for manual underwriting review. That review examines conviction date, BAC level, whether you refused testing, prior violations, and whether you've completed Idaho's substance abuse evaluation requirement. The underwriter decides whether Progressive will accept the risk and at what rate tier.
Idaho requires substance abuse evaluation and completion of recommended treatment as a reinstatement condition for DUI under Idaho Code § 18-8005. Progressive's underwriters verify completion of this requirement before finalizing your policy. If you haven't completed evaluation yet, Progressive will decline the application or place it on hold until you provide proof. Dairyland and The General accept incomplete evaluation cases more readily, though your rate will be higher until you finish.
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Filing Timeline and Reinstatement Coordination
Progressive submits your SR-22 certificate to Idaho ITD electronically within 1-3 business days after your policy activates. Idaho ITD processes incoming SR-22 filings within 1 business day and updates your driver record to show proof of financial responsibility on file. Your license remains suspended until you also pay Idaho's $25 base reinstatement fee plus any DUI-specific fees and complete all court-ordered requirements.
Idaho's restricted license program allows limited driving during suspension for work, school, medical appointments, and court-approved purposes. You must petition the court for a restricted license and maintain SR-22 filing throughout the restricted period. Progressive's policy satisfies the SR-22 requirement for restricted license eligibility, but the court sets all conditions individually. Idaho Code § 18-8005 imposes a mandatory 30-day absolute suspension period for first-offense DUI before a restricted license may be granted.
If your SR-22 filing lapses because you cancel your Progressive policy or miss a payment, Progressive notifies Idaho ITD electronically within 1 business day. Idaho ITD suspends your license again immediately. You must file a new SR-22 and pay another reinstatement fee to restore driving privileges. The 3-year SR-22 filing period does not reset, but the suspension and fee consequences are immediate.
Idaho SR-22 Filing Period
3 years
Idaho requires continuous SR-22 filing for 3 years after DUI conviction under Idaho Code § 18-8005. The 3-year period begins on your conviction date, not your filing date. If you file SR-22 six months after conviction, you still carry it for the full remaining time.
Idaho Code § 18-8005
When Progressive Declines DUI Cases
Progressive declines Idaho DUI applications when the conviction occurred within the past 90 days, when BAC exceeded .15, when the driver has two or more DUI convictions within 7 years, or when the DUI involved property damage or injury. These are hard underwriting rules. If your case falls into any category, Progressive's system will decline at the manual review stage regardless of how clean the rest of your record is.
Progressive also declines if you have an active ignition interlock device requirement and haven't completed installation. Idaho courts order IID installation for certain DUI cases under Idaho Code § 18-8008. Progressive requires proof of IID installation and calibration before binding the policy. Dairyland, GAINSCO, and The General accept IID cases without waiting for installation proof, though rates run 15-20% higher than Progressive's standard DUI tier.
Compare Progressive Against Non-Standard Carriers
Progressive markets itself as accessible to high-risk drivers, but carriers like Dairyland, Bristol West, The General, and GAINSCO specialize in post-DUI coverage and often approve cases Progressive declines. These non-standard carriers charge $10–$30/month more than Progressive's best DUI rate, but they don't impose 90-day waiting periods, they accept incomplete substance abuse evaluations, and they approve IID cases immediately. If you need coverage this week and can't wait for Progressive's underwriting review, non-standard carriers file SR-22 within 24 hours of policy purchase.
Idaho allows you to compare quotes from all licensed SR-22 carriers without affecting your driving record. Request quotes from Progressive, Dairyland, The General, and GAINSCO simultaneously. Compare monthly premium, SR-22 filing speed, and whether the carrier requires proof of substance abuse evaluation completion before binding. Lock the lowest rate that meets Idaho ITD's filing deadline for your reinstatement hearing or restricted license petition.