National General Files SR-22 in Idaho
National General writes SR-22 policies in Idaho and files certificates electronically to Idaho Transportation Department. The carrier operates nationwide through NAIC group 008, maintains an AM Best A+ rating from its Allstate parent company, and supports SR-22 filing in all 50 states including Idaho. If you received a suspension notice requiring SR-22 and National General appeared in your quote search, the carrier can fulfill your filing requirement.
The procedural friction appears when you try to bind coverage. National General's online quote system defaults to owner policies — you enter your vehicle information, receive a quote, and proceed to checkout. Suspended drivers who sold their car or never owned one need non-owner SR-22, but the website offers no toggle to switch policy types. The non-owner option exists, but accessing it requires calling National General's agent network directly rather than completing the transaction online.
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Get Your Free QuoteNational General SR-22 Filing Window
24 hours
National General transmits SR-22 certificates electronically to Idaho Transportation Department within 24 hours of policy binding. The filing appears in ITD's system the next business day, meeting Idaho's electronic filing standard under Idaho Code Title 49 chapter 12.
Idaho Transportation Department electronic filing protocol
Idaho Requires SR-22 for Three Years After Suspension
Idaho Code requires continuous SR-22 filing for 3 years following license suspension triggered by DUI, reckless driving, or driving uninsured. The filing period begins on your reinstatement date, not your suspension date. If your license was suspended 30 days ago and you reinstate today, the 3-year clock starts today. Any lapse in coverage during those 3 years triggers automatic suspension and restarts the entire filing period from zero.
National General's SR-22 filing integrates with Idaho Transportation Department's electronic monitoring system. When you bind a policy, National General files the SR-22 certificate electronically. When your policy renews, National General files an SR-26 continuation certificate. If you cancel coverage or miss a payment, National General files an SR-26 cancellation notice within 10 days, and ITD suspends your license again 30 days after receiving that notice. The carrier does not control this timeline — Idaho statute mandates the notification sequence.
National General's online quote path cannot produce non-owner SR-22 policies. Suspended drivers without vehicles must call an agent to request non-owner coverage before binding.
How to Get Non-Owner SR-22 Through National General
Call National General's agent network at the number listed on their SR-22 landing page and state that you need a non-owner SR-22 policy for Idaho reinstatement. The agent will collect your driver's license number, suspension trigger details, and the date ITD requires your SR-22 filing to begin. Non-owner policies cover liability when you drive a vehicle you do not own — a borrowed car, a rental, or a friend's vehicle. They do not cover a vehicle registered in your name. If you own a car titled in your name, you need an owner policy, not non-owner.
National General's non-owner SR-22 premium typically runs lower than owner-policy SR-22 because the carrier assumes you drive less frequently. Once you bind the policy, National General files the SR-22 certificate to ITD electronically within 24 hours. You can verify the filing by calling ITD Driver Services at 208-334-8736 two business days after binding.
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National General Writes Standard and Non-Standard Tier
National General underwrites both standard-tier and non-standard-tier policies. Your suspension trigger determines which tier you land in. DUI suspensions, reckless driving convictions, and uninsured-driving violations typically place you in non-standard tier, where premiums run 30–94% higher than clean-record rates. Insurance lapse suspensions and some points-accumulation suspensions may qualify for standard tier if your driving record shows no at-fault accidents or major violations in the prior 3 years.
The tier assignment happens during underwriting, after you submit your application. National General pulls your Idaho driving record from ITD, reviews your violation history, and assigns you to the appropriate tier. You cannot choose your tier, and the online quote estimate may shift once underwriting completes. If National General places you in non-standard tier and the premium exceeds your budget, compare quotes from carriers that specialize in high-risk SR-22 — Bristol West, Dairyland, The General, and GAINSCO all write non-standard SR-22 in Idaho and may offer lower rates for your specific violation profile.
National General's standard-tier SR-22 policies include the same discount programs available to non-SR-22 customers: multi-policy bundling, paid-in-full discounts, and paperless billing discounts. Non-standard-tier policies typically exclude discretionary discounts but still allow you to reduce premium by raising your deductible or dropping optional coverages like collision and comprehensive if your vehicle is older and low-value.
Idaho SR-22 Reinstatement Fee
$85
Idaho charges an $85 reinstatement fee to restore your license after suspension. This fee is separate from National General's SR-22 filing fee and separate from your insurance premium. You pay the $85 directly to Idaho Transportation Department when you apply for reinstatement.
Idaho Code 49-326
Compare National General Against Five Instant-Filing Carriers
National General files SR-22 electronically within 24 hours, but five other carriers writing Idaho SR-22 offer instant online filing with no agent call required: Progressive, Geico, State Farm, Dairyland, and The General. Progressive and Geico allow you to toggle between owner and non-owner policy types directly in their online quote systems. State Farm requires an agent appointment but files SR-22 instantly once you bind. Dairyland and The General specialize in non-standard SR-22 and often quote lower premiums than National General for DUI and reckless-driving suspensions.
The carrier you choose determines your total cost over 3 years, not just your first-year premium. National General's retention rate — the percentage of SR-22 customers who renew after year one — affects whether you face a rate increase at renewal or need to re-shop. Carriers with high SR-22 retention typically offer more stable renewal pricing. Carriers with low retention often raise rates sharply at renewal, forcing you to switch and restart the comparison process. Compare National General's 3-year projected cost against at least two other carriers before binding.
Get Your Idaho SR-22 Filed This Week
National General files SR-22 to Idaho Transportation Department electronically within 24 hours of policy binding. If you need non-owner coverage, call their agent network to request a non-owner SR-22 quote before attempting to bind online. If you own a vehicle, complete the online quote process and verify the SR-22 filing checkbox is selected at checkout. Once you bind, confirm the filing with ITD Driver Services two business days later by calling 208-334-8736 and providing your driver's license number. Compare National General's quote against Progressive, Geico, Dairyland, The General, and State Farm to confirm you are getting the lowest rate for your suspension trigger and county. Start your comparison now — Idaho's 3-year SR-22 requirement begins the day you reinstate, and every day you delay extends the filing period on the back end.