SR22 Insurance Iowa

Iowa is the birthplace of the legendary Star Trek Commander Captain James T. Kirk. If he were a real person, we bet he would have some serious traffic violations under his belt…and would have to call A Plus Insurance for his SR22 needs.

Iowa State Liability Requirements

Required Liability Coverage:
$20,000 bodily injury liability per person
$40,000 bodily injury liability per accident
$15,000 property damage liability per accident
Uninsured Motorist Coverage: Rejection Form
Medical Payments:
Rejection Form

SR-22 Insurance Iowa: Rates by company (Full Coverage)

Rates for full coverage with an SR22 Insurance Iowa are listed above. Companies that do offer Sr22 are outlined already for you. Rates will vary between companies as you can see above. Make sure to check out each company before purchasing a policy as each will differ besides just having the SR22 insurance Iowa on the policy.

Iowa SR22 Insurance CompanySR22 Full Coverage (average)
Acceptance RTR$180.00
Progressive Insurance$169.00
Bristol West$168.00
21st CenturyN/A
The General$190.00
State AutoN/A
National General$180.00
Liberty Mutual$179.00
State FarmN/A
American FamilyN/A

Who has the lowest priced SR-22 Insurance Iowa Rates (By City)

Progressive comes out on top for being the cheapest option for SR22 insurance Iowa. Other options are listed for you above. Insurance will vary for you wherever you live so before you also move to Iowa make sure you double check where you are moving because prices will range due to zip code.

City in IowaBest SR22 Insurance Company in Iowa
MaquoketaLiberty Mutual
DeWittBristol West
Iowa CityDairyland*
Council BluffsGeico
Le MarsThe General
BurlingtonNational General
Webster CityGeico
BooneThe General
AnamosaBristol West
WashingtonThe General
CoralvilleLiberty Mutual
KeokukThe General
ClintonThe General
North LibertyThe General
Cedar FallsProgressive
WaukeeLiberty Mutual
Fort MadisonProgressive
Pleasant HillProgressive
Mason CityNational General
Sioux CenterThe General
Cedar RapidsGeico
Fort DodgeLiberty Mutual
OttumwaThe General
Clear LakeProgressive
Red OakDairyland*
GlenwoodThe General
OelweinNational General
PellaLiberty Mutual
GrimesNational General
GrinnellLiberty Mutual
AmesThe General
Sioux CityThe General
Orange CityBristol West
West Des MoinesThe General
DenisonThe General
Storm LakeThe General
CentervilleBristol West
BettendorfThe General
WaterlooLiberty Mutual
Mount PleasantProgressive
Charles CityThe General

Company fees for SR22 Insurance Iowa

Sr22 filing fees are not generally very expensive. What can make your insurance particularly expensive is your driving record.

Insurance CompanyCompany Fee
The General$25.00
Bristol West$25.00
State Autona
National GeneralNA
Liberty Mutual$15-$25
21st Centuryna
State FarmUnknown
Progressive Insurance$25.00

How Long do I Need SR-22 After a DUI in Iowa?

Generally, you will have to carry an Sr22 for a minimum of 3 years. Make sure to contact the DMV if you have a suspended license. They will give you the exact timeline of how long you need your SR22 Insurance Iowa for. Try not to lapse on this insurance once you start it. If you do, they will make you restart your time on your SR22 as well as suspend your license again which will accumulate fees.

If you let your SR22 insurance lapse in Iowa, there are several serious consequences that you should be aware of:

  1. Immediate License Suspension: The Iowa Department of Transportation (DOT) will be notified by your insurance provider if your SR22 insurance lapses. This will result in the immediate suspension of your driver’s license.
  2. Reinstatement Requirements: To reinstate your license after a lapse, you will need to obtain a new SR22 certificate and pay any necessary reinstatement fees.
  3. Extended SR22 Requirement: In most cases, if your SR22 coverage lapses, your SR22 filing period starts over from the beginning. For example, if you were required to maintain SR22 insurance for 3 years and you experience a lapse after 2 years, you will have to restart and maintain SR22 insurance for another full 3-year period.
  4. Fees and Fines: In addition to reinstating your SR22 insurance, you will also need to pay fees for license reinstatement, which typically range from $50 to $200, and a new SR22 filing fee, which can be between $15 and $50. There may also be additional fines for lapsed coverage and driving with a suspended license, often starting at around $200.
  5. Increased Insurance Rates: A lapse in SR22 insurance can lead to increased insurance rates. Since SR22 policies are generally more expensive than standard insurance, this can significantly add to your overall costs.
  6. Requirement for Continuous Coverage: It’s crucial to maintain continuous SR22 coverage for the required period (usually 1 to 3 years), as any lapses can result in a license suspension and require you to restart the SR22 process.
  7. Challenges in Obtaining SR22 Coverage: After a lapse, finding affordable SR22 insurance can be more challenging, as many insurers charge higher premiums for high-risk policies.

To avoid these consequences, it’s essential to pay your premiums on time, keep your insurer informed of any changes, and ensure that you maintain continuous coverage for the duration of your SR22 requirement. If you foresee any issues with paying your premium, it’s advisable to contact your insurance agent to discuss your options​

Reasons You May Be Required to Carry SR-22 Insurance in Iowa

In Iowa, there are several key reasons why you may be required to carry SR-22 insurance. This form of insurance is typically mandated for drivers who have demonstrated high-risk behavior or have been involved in serious traffic violations. The most common reasons for needing SR-22 insurance in Iowa include:

  1. Operating While Intoxicated (OWI): This is required if you’re convicted of an OWI or driving while intoxicated (DWI), particularly if your blood alcohol level is .08 or higher.
  2. Multiple Traffic Offenses: If you’ve committed repeated traffic offenses within a short period, you may be required to carry SR-22 insurance.
  3. Driving Without a Valid License: This includes instances where you’ve been caught driving without a license or with a suspended license.
  4. Driving Without Insurance or Failure to Show Proof of Insurance: If you’re involved in an incident and cannot provide proof of insurance, you may need to get SR-22 insurance.
  5. Involvement in an Uninsured Accident: If you’re involved in an accident while not having any insurance, you will likely be required to carry SR-22 insurance.
  6. Felony Vehicle Offenses: This includes serious vehicle-related offenses that are punishable by felony convictions, such as vehicular manslaughter.
  7. Accumulating Excessive Points on Your License: If you accumulate too many points on your driving record due to multiple offenses, the state may require you to have SR-22 insurance.
  8. Hit and Run Convictions: If you’re convicted of a hit and run, you’ll likely need to obtain SR-22 insurance.

These scenarios highlight the importance of responsible driving behavior and maintaining proper insurance coverage. SR-22 insurance acts as a certificate of financial responsibility, ensuring that you meet the state’s minimum liability coverage requirements. The duration for which you must maintain SR-22 insurance in Iowa typically ranges from one to three years, depending on the severity of the offense. It’s crucial to maintain continuous coverage, as any lapses can lead to further legal complications, including the suspension of your driving privileges​

Why You Need An SR-22
Multiple Traffic Offenses
Driving while Suspended/revocation
Previous incarceration
At Fault accident with no insurance
Failure to maintain mandatory insurance coverage required by state law
Suspension of license due to child support
DWI (Driving while intoxicated)
Too many tickets in short period of time
License suspension for failure to pay fines

SR22 Insurance Iowa: DUIs and SR-22s

If your license has been suspended because of a DUI conviction, you will be required to carry an SR-22 for at least 3 years. The number of convictions will increase the required amount of time.

Did you know this scene in Star Trek took place in fictional Iowa? Looks like Kirk’s about to get his first moving violation…

Also, even if you don’t drink and drive…simply racking up too many moving violations can lead to the need for a mandatory filing…so…main takeaway…just start driving safely!

SR-22 Insurance and Child Support in Iowa

If your license has become suspended due to failure to pay child support, you will be required to carry an SR-22 for at least 1 year. The insurance company will be responsible for reporting your insurance to the state, letting them know you are complying.Without the SR22 insurance iowa you can land yourself with a Suspended License. Make sure you shop your rates comparing companies when searching for SR22 insurance.

State Insurance requirements in Iowa

StateState MinPIP?
The State Minimum Liability requirements in Iowa for drivers are are 20/40/15. This will pay out $20,000 per person for bodily injury, up to $40,000 per accident, and $15,000 for property damage that you are liable for. If you fail to meet the state’s minimum requirements, you may face fines, penalties, license suspension or even jail time. The state minimum coverage only protects other individuals or property involved in an accident you caused. You can also get extended coverge like Personal Injury Protection and comprehensive and collision coverage that will likely cover you and your vehicle. Make sure you meet the minimum requirements if you need SR22 Insurance in Iowa.

SR22 Insurance Iowa: Frequently asked Questions

What is SR-22 insurance in Iowa?

SR-22 insurance in Iowa is a certificate of financial responsibility that is often required for drivers who have been involved in serious traffic violations or accidents. It’s not a type of insurance but rather a form that verifies you have the required liability coverage. SR-22 is typically mandated by the state as proof that you are financially responsible for any future accidents.

When might I need an SR-22 in Iowa?

You may need an SR-22 in Iowa if you have committed serious traffic offenses, such as DUI/DWI, reckless driving, or driving without insurance. The state may require you to file an SR-22 certificate with your insurance company to reinstate your driving privileges. It’s essential to check with the Iowa Department of Transportation or your insurance agent to determine if you need an SR-22.

How can I get an SR-22 in Iowa, and what are the costs?

To obtain an SR-22 in Iowa, you’ll need to contact your insurance provider. They will file the SR-22 form with the state on your behalf. The cost of an SR-22 varies depending on your insurance company and the reason for the requirement. It may result in increased insurance premiums, so it’s advisable to shop around for the best rates and consult with our team at 1.888.445.2793 for personalized assistance.

Why Would I Need An SR22?

An SR-22 is a certificate proving you have the required liability coverage, often mandated after serious driving offenses. Reasons for needing one include DUI convictions, multiple traffic violations, or driving without insurance.

DUI Conviction
Traffic Offenses
No Insurance
License Suspension
Accident Involvement
Reckless Driving

SR22 Insurance in Iowa: Article Information

  • Headline: Navigating SR22 Insurance in Iowa: A Comprehensive Guide
  • URL:
  • Summary: This article provides essential information about SR22 insurance in Iowa, including its requirements, the process of obtaining it, and its implications for drivers in Iowa.
  • Call to Action: For more information or assistance with SR22 insurance in Iowa, call us at 1.888.445.2793.
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Last Updated on by Veronica Moss

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