Idaho DUI & License Suspension Insurance Guide
Idaho requires 25/50/15 liability coverage and is an at-fault state.
Compare Auto Rates for Senior DriversIdaho 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
63
Age when license renewal rules change, with a vision test at renewal
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Idaho
After a DUI or major violation in Idaho, your current insurer will typically non-renew your policy—meaning you'll receive a notice weeks before renewal that they won't continue coverage. Idaho then requires you to carry SR-22 certification for 3 years, proving continuous liability coverage to the Idaho Transportation Department.
SR-22 Certificate Filing
Non-Standard Auto Insurance
High-Risk Auto Insurance
Liability Insurance
Uninsured/Underinsured Motorist Coverage
What Drivers Pay in Idaho
$110–$135/mo
Typical monthly rate in Idaho, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
What Affects Your Rate
- Time since violation: Rates begin to decrease after 3 years and approach normal levels at the 5-year mark when most violations fall off your record
- SR-22 filing requirement duration: Idaho's 3-year SR-22 period means you'll pay high-risk rates for the entire filing period plus 1–2 years beyond
- Carrier availability: Fewer carriers compete for high-risk business in Idaho, limiting your options and keeping prices elevated compared to standard market rates
- Age and driving history: Senior drivers 65+ with otherwise clean records for decades may qualify for better rates within the non-standard market than younger high-risk drivers
- Location within Idaho: Urban areas like Boise and Meridian have more non-standard carrier options and slightly lower rates than rural counties where high-risk markets are limited
Put These Answers to Work on Your Rate
Compare Auto Rates for Senior DriversMature-driver discount
Required by state law
Idaho Code 41-2515 (55+, appropriate reduction, no fixed %)
Source: state statutes and insurance departments, verified July 2026
Coverage Types
High-Risk Auto Insurance
Coverage for drivers classified as high-risk due to DUI, major violations, or license suspensions. Sold by non-standard carriers that price policies based on violation severity rather than standard actuarial factors.
Non-Standard Auto Insurance
Insurance sold by carriers specializing in drivers with violations, lapses, or other factors that make them ineligible for standard market coverage. Premiums run 50–200% higher than standard rates.
SR-22 Insurance
Not a separate insurance type—it's a certificate filed by your carrier proving you maintain continuous liability coverage. Required after DUI, suspension, or driving uninsured in Idaho.
Liability Insurance
Coverage for injuries and property damage you cause to others. Idaho requires 25/50/15 minimum, but higher limits protect your assets if you're found at fault in a serious accident.
Uninsured Motorist Coverage
Protection when you're hit by a driver with no insurance or insufficient coverage. Not required in Idaho but recommended given the state's uninsured driver rate.
Comprehensive & Collision Coverage
Comprehensive covers non-accident damage (theft, weather, vandalism); collision covers accident damage to your vehicle. Optional unless you have a loan or lease.