UltraCar Insurance is an Idaho SR22 insurance provider that goes the extra mile for you. We understand that your time is valuable, so we quickly go to work to find the best rates with top rated insurance companies. We can issue and file your Idaho SR22 insurance certificate within 20 minutes.
Minimum liability insurance coverage required by the state of Idaho:
- $25,000 bodily injury per accident
- $50,000 bodily injury liability for all injuries in an accident
- $15,000 in property damage, in one accident
What is Idaho SR22 Insurance?
Idaho SR22 insurance is high risk insurance coverage that must be purchased to reinstate a driver’s license after certain motor vehicle violations. These offenses may include DUI or DWI incidents, an accumulation of too many tickets or at-fault accidents, as well as child support/child neglect cases, or other situations that result in suspension of a driver’s license. Idaho SR22 insurance is not a stand-alone policy; it is an endorsement to to a person’s auto insurance policy. It is a certificate of financial responsibility required by the Idaho State Department of Motor Vehicles that guarantees the insured carries the proper amount of liability coverage for a specified period of time. When you purchase an SR22 certificate, your insurance provider will submit the filing to the Idaho DMV. SR22 insurance is liability coverage that can be written with comprehensive and collision coverage if desired.
High risk drivers are typically required to carry Idaho SR22 insurance for a period of three to five years. During this time the policy must be kept valid without lapse, or their insurance provider will perform an SR26 filing with the Department of Motor Vehicles. This informs the DMV that the SR22 policy holder is no longer insured as required, resulting in suspension or revocation of the driver’s license. This is a costly mistake, and one that drivers should do their best to avoid.
Types of Idaho SR22 Insurance
Idaho also offers Non Owner SR22 Insurance Idaho, which is liability insurance for individuals who want to reinstate their license but do not own a vehicle.
Another type of auto insurance available in Idaho is broad form insurance, a low cost policy that excludes many types of coverage. It provides very limited liability-only coverage for just one person rather than insuring a vehicle or multiple vehicles that the person may own. This is why it’s also called “named driver insurance”. You can purchase broad form insurance whether or not you own a vehicle. An SR22 insurance certificate can be added to a broad form insurance policy to fulfill one of the requirements for license reinstatement. For more detailed information concerning the limitations of broad form insurance, see our articles titled Broad Form Vehicle Insurance and What is Broad Form SR22 Insurance?.
More information about licensing, motor vehicle laws and penalties for moving violations can be found on the Idaho DMV Website.
UltraCar Insurance in Idaho
UltraCar Insurance looks forward to helping you with quick quotes and filing of your Idaho SR22 insurance certificate. Start a quote using our secure online form or give us a call today!