Idaho SR-22 Insurance

An SR-22 is a document issued by an auto insurer to the State indicating that you carry sufficient insurance to satisfy that state’s Financial Responsibility Law.  States demand one from a driver when they have either been convicted of specific crimes or have failed to show evidence of financial responsibility in the even they are found to be at fault in an accident.  Should an SR-22 be required, you are barred from driving until you provide one and maintain the underlying insurance to support the proof of financial responsibility.

Non Owners Insurance in Idaho

If you do not own a vehicle, but need to have an SR-22 in order to drive, you will need to obtain an Operator’s Policy also known as a Named Non Owner Policy, which provides you with liability insurance coverage should you operate a vehicle that is uninsured.  Otherwise, you will need an auto insurance policy that provides liability coverage for both you and your auto.

How an Idaho SR-22 Affects your Car Insurance Rates.

Because the insured has a blemished driving record, they will not get the lowest rates for coverage.  That being said, one should comparison shop and compare rates for the policy itself as well as any fees related to filing an SR-22.  It should also be noted that if you need to have an SR-22 processed quickly, the fees to do so will not be inexpensive.

Limitations of SR-22 Coverage

Another thing to note is that the policy itself may have terms and conditions that may limit coverage under certain circumstances.  For example, should you be involved in an accident and you are using the vehicle in commission of a crime (and the definition of crime includes driving while under the influence of alcohol or drugs) coverage for damage to your auto may evaporate.  In addition, the limits for third party liability coverages in the event the auto is used during a crime will be reduced to the statutory minimum required by the state.

Once the period for which your need to supply an SR-22 ends, you will then have much more flexibility to select an insurance policy as more insurers will be willing to insure you with a better rate.  In addition, you will no longer need to pay any fees associated with processing the document.

Why Would I Need an SR–22 in Idaho?

In Idaho, you will need an SR – 22 if your driver license is suspended or revoked for a serious offense.  Reasons for a suspension include, but are not limited to;

  • Driving under the influence of alcohol or other drugs 
  • Using a motor vehicle to commit a felony
  • Leaving the scene of an accident resulting in injury or death 
  • Leaving the scene of an accident before police arrive
  • Reckless driving
  • Conviction or action in another jurisdiction for an offense that, if committed in Idaho, would be ground for suspension, revocation or disqualification
  • Driving while suspended, revoked, or disqualified
  • Failing to pay a judgment for damages in an accident
  • Administrative license suspension for failing a breath, blood or urine test (without a warrant) for Driving while Under the Influence.

    If you fail, are unable to complete or refuse to take an examination to determine if you are driving under the influence of alcohol or drugs, you will receive a notice from the peace officer who cites you that your license has been suspended.  You will then have seven days to show cause as to why it should not be suspended and, if the matter involves a refusal to submit to an examination, an explanation as to why you refused.
  • Fleeing from or eluding a peace officer
  • Unlawful use of a driver’s license or identification card
  • Failure to carry motor vehicle insurance
  • Alcohol age violation (possession, use or procurement)
  • Violation of license restrictions

In addition

  • School Districts may order the ITD DMV to suspend the driver’s license of a minor who fails to attend school or does not comply with school requirements
  • Any court or the Department of Health and Welfare may order ITD DMV to suspend the driver’s license of any person who fails to pay child support, fails to comply with visitation rights, or fails to comply with a subpoena for a paternity suit or child support proceeding

Idaho also assigns point values to moving violations.  If you are convicted of a moving violation, you will receive one to four points against your license.  Should you accumulate eight to eleven points in a twelve – month period, 14 to 17 points in a 24 month period, or 20 to 23 points in a 36 month period, you will receive a warning letter advising you that your license is in danger of being suspended. 

Should you receive a warning letter, you may want to consider taking a defensive driving course or a Traffic Safety Education Course.  Taking and completing a defensive driving course will subtract three points from your license.  A Traffic Safety Education Course may be offered to you at the time you are cited.  If you elect to take and complete the course, one to four points will be subtracted from your license.  You are only allowed one point subtraction every three years.  You must also complete the course before your driver license is suspended.

Should you accumulate enough points to warrant a suspension, the period of suspension is as follows:

Time Period Number of Points Suspension Period
12 months 12 – 17 30 days
18 months 18 – 23 90 days
24 months 24 or more Six Months

How Do I Get My License Back (or “Reinstatement”)?

In order to get your license back, you will need to apply to the Idaho Department of Transportation – Department of Motor Vehicles and pay a reinstatement fee that ranges from $25.00 to $285.00 depending on the reason you got your license suspended in the first place.  In addition, you may need to provide,

  • A receipt of court payment,
  • Proof of child support compliance,
  • Proof of school re enrollment and or
  • Proof of financial responsibility (insurance/SR 22 certificate)


If your license was suspended as the result of administrative license suspension, you will be required to install in ignition interlock device on your vehicle for one year after the suspension is lifted.  An ignition interlock device requires that the driver breathe into a breathalyzer before they start their car.  The breathalyzer will then test for alcohol consumption and prevent the car from being started should the driver be intoxicated.  In addition, the ignition interlock device will request a breath sample at random intervals while the driver is operating the car.  One thing it won’t do is shut the car off while you are driving should you be intoxicated.  There is a fee for installation and purchase of the device as well as for maintenance.  These vary, so you may want to shop for the best deal.

You may be able to receive a Restricted Driving Permit while your license has been suspended, if it has been suspended for the following reasons:

  • Accumulating excessive points
  • Using a motor vehicle to commit a felony
  • Leaving the scene of an accident
  • Reckless driving
  • Conviction or action in another jurisdiction for an offense that, if committed in Idaho, would be ground for suspension, revocation or disqualification
  • Driving while suspended, revoked, or disqualified
  • Administrative license suspension (for failing a breath, blood or urine test (without a warrant) for DUI
  • Fleeing from or eluding a peace officer
  • Violation of license restrictions

A Restricted Driving Permit would allow you to drive to and from employment, counseling sessions, medical appointments, grocery store, or church. 

If your driver license was suspended by court order, you must receive permission from the court to apply for a Restricted Driving Permit.  You will also agree to the following:

  • Cause exists to suspend or revoke the driver’s license or privileges of the applicant and that the driver’s license of the applicant is suspended or revoked;
  • The applicant shall obey all motor vehicle laws;
  • The applicant shall provide and maintain adequate motor vehicle liability insurance;
  • The applicant shall notify the Department within one (1) business day following arrest, citation, accident or warnings by any law enforcement officer with regard to motor vehicle violations or alleged violations, and any change of address, telephone number, or place of employment;
  • The applicant shall not operate any motor vehicle after consuming any alcohol, drugs, or other intoxicating substances;
  • The applicant shall submit to any evidentiary testing to determine alcohol concentration at any time at the request of any peace officer;
  • The applicant shall operate a motor vehicle only for those reasons specified on the restricted driving permit;
  • The applicant shall abide by all rules and regulations concerning the restricted driving permit;
  • The applicant’s restricted driving permit may be cancelled by the Department without a hearing for violation of the terms of the agreement or other conditions specified on the restricted driving permit (Section 600); and
  • The applicant understands that if he/she pleads guilty, is found guilty of, or forfeits bond to any future moving traffic violation(s) or receives an additional Department or court suspension, the restricted driving permit may be canceled, the driving privileges may be resuspended or revoked, and the applicant may not be eligible to receive another restricted driving permit for said suspension.

Reinstatement Fees

In addition, you will be required to pay a $60.00 fee in addition to the reinstatement fee.

In summary,  If you have had your driver license suspended or revoked, you will need and SR – 22.  In addition, there will be several steps you need to take in order to partially have your driving privilege restored so that you may be able to drive again even after you have been sanctioned.