Idaho DUI and Violation Insurance Guide
Idaho requires 25/50/15 liability coverage and is an at-fault state.
Find Coverage for My SituationIdaho 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
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Idaho
Most Idaho drivers don't realize their current insurer won't cancel immediately after a DUI or serious violation — they'll issue a non-renewal notice, giving you until your policy expires to find replacement coverage. If you're convicted of DUI, driving without insurance, or multiple serious violations, Idaho typically requires you to file an SR-22 certificate with the state and maintain it for three years. Not all carriers offer SR-22 filing, and those that do charge significantly higher premiums for drivers with violations on their record.
SR-22 Certificate Filing
Non-Standard Auto Insurance
Liability Insurance
Comprehensive and Collision
What Drivers Pay in Idaho
$184–$217/mo
Typical monthly rate in Idaho, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Type of violation: DUI convictions carry the highest rate increases, followed by reckless driving, multiple speeding tickets, and at-fault accidents
- Time since violation: Rates decrease incrementally each year you maintain a clean record, with significant drops at 3 and 5 years
- Age and location: Younger drivers in Boise, Meridian, and Nampa typically face higher non-standard premiums due to higher claim frequency
- Carrier availability: Non-standard carriers that file SR-22 in Idaho include specialty insurers that set their own underwriting criteria — rates vary significantly between carriers
- Coverage lapses: Any gap in coverage during your SR-22 period restarts your filing requirement and can result in additional penalties
- Credit-based insurance score: Idaho allows insurers to use credit in rating, which can further increase premiums for drivers with violations and poor credit
Get Back to a Fair Rate After a Violation
Find Coverage for My SituationCoverage Types
High-Risk Auto Insurance
Coverage designed for drivers with DUIs, suspensions, or serious violations. High-risk policies include SR-22 filing and accept profiles that standard insurers decline.
Non-Standard Auto Insurance
Insurance sold by carriers that specialize in drivers with violations, lapses, or poor credit. These carriers file SR-22 certificates and offer flexible payment plans.
SR-22 Insurance
Not a separate insurance product — SR-22 is a certificate filed by your insurer proving you meet Idaho's minimum liability requirements. The filing adds $15–$50 to your policy cost.
Liability Insurance
Covers damage and injuries you cause to others. Idaho requires minimum liability coverage during your SR-22 filing period — any lapse restarts your three-year requirement.