Hardship License After DUI
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Idaho Hardship License After DUI

Idaho requires SR-22 filing for 3 years after a DUI conviction and 25/50/15 liability minimums. The state offers a Temporary Restricted License to DUI offenders after 30 days of absolute suspension, requiring ignition interlock installation for all first-offense DUI cases and extended periods for repeat offenders.

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Updated May 2026

Minimum Coverage Requirements in Idaho

Idaho operates under a traditional tort system and requires proof of financial responsibility after a DUI conviction through SR-22 filing. The Idaho Transportation Department oversees license reinstatement and Temporary Restricted License applications. All DUI offenders must complete a 30-day absolute suspension before applying for restricted driving privileges.

How Much Does Car Insurance Cost in Idaho?

Idaho SR-22 insurance costs combine the standard premium increase after DUI conviction with the SR-22 filing fee and mandatory ignition interlock costs. Most post-DUI drivers in Idaho see premiums increase 80% to 140% over their pre-conviction rate, with total first-year costs between $3,200 and $6,800 including IID installation and monitoring.

Minimum Coverage
Idaho's 25/50/15 minimum liability with SR-22 filing. Does not include collision or comprehensive. Leaves you exposed to asset claims and medical bills if you cause an accident involving newer vehicles or multiple injuries.
Standard Coverage
Liability raised to 50/100/50 with uninsured motorist coverage. Adds collision and comprehensive with $1,000 deductible if you own your vehicle. Covers most single-vehicle accident scenarios and protects against uninsured drivers, who represent approximately 8% of Idaho motorists.
Full Coverage
Liability raised to 100/300/100 with full collision, comprehensive, uninsured motorist, and medical payments coverage. Protects your assets if you cause a serious multi-vehicle accident and covers your own medical bills regardless of fault. Required by most Idaho lenders on financed vehicles.

What Affects Your Rate

  • SR-22 filing fee in Idaho ranges from $25 to $50 depending on carrier, paid at policy inception and annually at renewal for the 3-year filing period.
  • Ignition interlock installation costs $75 to $150 in Idaho, with monthly monitoring and calibration fees of $70 to $100 for the required IID period — 1 year minimum for first-offense DUI, extended for repeat or aggravated cases.
  • DUI conviction surcharge varies by carrier but typically adds $800 to $1,600 annually to your base premium for 5 years in Idaho, separate from the SR-22 filing requirement which ends after 3 years.
  • Blood alcohol content at time of arrest affects premium calculation — BAC over 0.15 typically triggers aggravated DUI classification in Idaho and higher risk pricing from carriers.
  • Boise metro drivers average 12% to 18% higher SR-22 premiums than rural Idaho counties due to traffic density, collision frequency, and carrier availability in urban markets.
  • Non-owner SR-22 policies for Idaho drivers without a vehicle cost $35 to $65 per month and satisfy the state's financial responsibility requirement during the restricted license period if you do not own a car.

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Coverage Types

SR-22 Insurance

Certificate filed by your carrier proving you maintain continuous liability coverage. Required for 3 years after DUI conviction in Idaho.

Non-Owner SR-22

Liability-only SR-22 policy for drivers who do not own a vehicle. Satisfies Idaho's financial responsibility requirement without insuring a specific car.

Ignition Interlock Insurance

Standard auto policy that covers a vehicle equipped with a court-ordered ignition interlock device. All Idaho DUI offenders must install IID to qualify for restricted driving.

High-Risk Auto Insurance

Coverage from carriers specializing in post-DUI drivers and other high-risk profiles. Often the only option immediately after conviction.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage if you are hit by a driver with no insurance. Idaho requires carriers to offer this coverage at policy inception.

Find Your City in Idaho

Boise, Idaho cityscape and street view

Boise

urban
Meridian, Idaho cityscape and street view

Meridian

suburban
Mountain landscape with snow-capped peaks, evergreen forest, and open meadow in foreground

Nampa

suburban
Rural farmland with white buildings and mountains in background during colorful sunset with pink and orange sky

Idaho Falls

urban
Canada goose swimming in calm water with rippled reflections

Caldwell

suburban
Aerial view of snowy downtown street with historic Hotel Yellowstone building and vintage Western architecture

Pocatello

urban
Mountain landscape with granite cliffs reflected in calm water during golden hour sunset

Coeur d'Alene

urban
Shoshone Falls waterfall cascading over rocky cliffs into turquoise water in desert canyon landscape

Twin Falls

urban

Sources

  • Idaho Transportation Department — Driver Services Restricted License Requirements
  • Idaho Code Title 18 Chapter 80 — Motor Vehicles DUI Provisions
  • Idaho Department of Insurance — SR-22 Financial Responsibility Filing Standards

Frequently Asked Questions

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