Auto Insurance — Idaho
Idaho requires 25/50/15 liability coverage and is an at-fault state.
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Idaho 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
$25
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Idaho
Idaho operates under a tort liability system — the at-fault driver's insurance pays for injuries and property damage. The Idaho Transportation Department requires continuous proof of insurance during and after suspension for most violation types. SR-22 filing is mandatory for DUI convictions, reckless driving, excessive points (12+ in 12 months), uninsured accidents, and certain court-ordered reinstatements.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured/Underinsured Motorist Coverage
Non-Owner SR-22 Insurance
What Drivers Pay in Idaho
$142–$287/mo
Typical monthly rate in Idaho, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Get Back to a Fair Rate in Idaho After a DUI
Get My Idaho DUI Insurance QuoteIf your license is suspended
Restricted Driving Permit (RDP)
application fee $60, about 5 days to process.
A coverage lapse is reported
The state acts on a lapse after 60 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
Do I need insurance if my Idaho license is suspended?
Yes, in most cases. Idaho Transportation Department requires continuous insurance coverage during suspension for DUI, excessive points, uninsured accidents, and most court-ordered suspensions. Letting coverage lapse during suspension extends the suspension period and delays reinstatement eligibility. Non-owner SR-22 insurance satisfies this requirement if you do not own a vehicle.
How long does Idaho require SR-22 filing after a DUI?
Idaho requires SR-22 filing for 3 years after a DUI conviction, measured from the date Idaho Transportation Department receives the SR-22, not the conviction date or policy purchase date. Missing a single payment during the 3-year period triggers automatic notification to ITD within 10 days and reinstates your suspension immediately.
What happens if my SR-22 insurance lapses in Idaho?
Your carrier notifies Idaho Transportation Department within 10 days of the lapse. ITD reinstates your suspension immediately and the SR-22 filing period resets — you start the full 3-year requirement over from the date a new SR-22 is filed. There is no grace period.
Does Idaho offer hardship licenses during suspension?
Idaho does not offer hardship licenses, but restricted driving permits are available for certain suspension types after a waiting period. DUI offenders must serve a minimum 30-day absolute suspension before applying for a restricted permit, which allows driving to work, school, medical appointments, and court-ordered treatment. The permit requires SR-22 filing and ignition interlock installation for DUI suspensions.
Can I switch insurance carriers during my SR-22 period in Idaho?
Yes, but you must ensure continuous coverage with no gap. The new carrier files an SR-22 with Idaho Transportation Department before the old policy cancels — any lapse, even one day, triggers suspension reinstatement. Most suspended drivers stay with the same carrier for the full 3-year period to avoid filing coordination errors.
Coverage Types
SR-22 Insurance
Proof of financial responsibility filing required by Idaho Transportation Department after DUI, excessive points, uninsured accidents, or court order. The SR-22 must remain active and continuously filed for the duration specified — 3 years for most violations.
Non-Owner SR-22 Insurance
Liability-only policy with SR-22 filing for suspended drivers who do not own a vehicle. Satisfies Idaho reinstatement requirements and provides coverage when borrowing or renting vehicles.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Idaho's 25/50/15 minimums are exhausted quickly — a single moderate injury or two-vehicle collision can exceed these limits.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when the at-fault driver has no insurance or insufficient limits. Not required by Idaho unless financed vehicle, but recommended given uninsured driver rates.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers — DUI offenders, suspended license reinstatements, excessive points, and lapsed coverage. Non-standard carriers file SR-22 and accept payment plans.