You may have heard of SR-22 insurance in Idaho, but you may not be familiar with what it is or what it does. First, an SR-22 is not a type of insurance itself; it is a certificate of financial responsibility that your auto insurance company files with the state. In Idaho, you may be required to get an SR-22 if you have been convicted of serious driving violations, such as a DUI, reckless driving, or driving without insurance. This certificate proves you have the minimum required liability insurance coverage.
How to Get an SR-22 in Idaho
To obtain SR-22 insurance in Idaho, first find an auto insurance company that offers SR-22 filings. Not all insurers do, so you may need to shop around. Once you have a policy, the insurer will file the SR-22 certificate with the Idaho Division of Motor Vehicles on your behalf. This allows you to reinstate or maintain your driving privileges.
Costs & Coverage
Filing for SR-22 insurance typically involves a one-time fee of around $15 to $50, which is paid directly to your auto insurance company. However, the main cost increase comes from higher insurance premiums, as drivers needing an SR-22 are considered high risk. The SR-22 itself does not provide coverage; it only certifies that you have the required liability insurance.
Maintaining Your SR-22
You must keep your SR-22 insurance active for the entire period required by the state, typically three years. Any lapse in coverage will be reported to the DMV, potentially leading to another suspension of your driver’s license.
If you find yourself needing an SR-22, it’s wise to consult with a qualified insurance agent to navigate the process and find a policy that fits your needs.