If your Idaho driver's license is suspended for certain serious offenses (e.g., reckless driving or DUI), you will be required to file an SR22 certificate with the DMV before you can get your license reinstated. An SR22 form serves as a statement of liability insurance coverage. It proves to the DMV that you, as a "high-risk" driver, will be insured in the event of a future accident.
If you do not own a vehicle and you are required to file an SR22, you will need to purchase non-owner SR22 insurance. This liability policy will only cover other vehicles and drivers. If you do get into an accident, this policy will not pay for damage done to you or the vehicle you are driving.
If you have been convicted of a first offense DUI in Idaho, the court may order you to install an ignition interlock device in your vehicle(s). If you have been convicted of a subsequent DUI within five years, the ignition interlock becomes mandatory.
This makes non-owner SR22 insurance problematic, if not impossible. You will likely need to own a vehicle before you can fulfill the ignition interlock requirement, and therefore, you will to purchase an ownerâ€™s SR22 insurance policy.
SR22 insurance, even non-owner SR22 insurance, can be a bit pricey. This is not something people shop for on a whim, and insurance companies know that. Therefore, it could save you significant money if you compare the best rates available before committing to one company. You can begin that process by entering your Idaho zip code here:
For More Information:
If you have questions about Idaho non-owner SR22 insurance that this page did not answer, you can contact the Idaho Transportation Department through their online form or by calling 208-334-8000.
You can also use our online quote form to find an insurance company that can probably answer your questions.
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