How to Get Non-Owner SR-22 Insurance in Iowa

Non-owner car insurance is the best solution for drivers in Iowa who need an SR-22 but don’t own a car.
Written by Sarah Williams
Reviewed by Brenna Swanston
If you need an SR-22 in
Iowa
but don’t own a car, non-owner SR-22 car insurance is the best solution. Not all insurance providers offer it, so you’ll have to call around to enquire. 
In Iowa, drivers are required to carry a minimum amount of liability insurance before hitting the road. However, high-risk drivers are often held to a higher standard of proof of financial responsibility. 
Drivers with many repeat violations—or one major violation—often have to file an SR-22 with the Iowa Department of Motor Vehicles (DMV). This certificate proves that you carry the required
car insurance
minimums. For drivers who don’t own a vehicle, non-owner car insurance is the key. Let’s review everything you need to know about non-owner SR-22 insurance in Iowa. 
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What is SR-22 insurance?

For starters, an
SR-22
is not actually a type of insurance—it’s a certificate of financial responsibility filed by your insurance provider to the Iowa DMV
Usually required after repeated or serious traffic violations, an SR-22 shows the DMV that you meet Iowa’s minimum liability requirements. If your license has been suspended, you may need an SR-22 before you can reinstate it. 

Iowa auto insurance requirements

Iowa state law requires drivers to carry the following amounts of liability insurance: 
Beyond these minimums, it is recommended (but not required) to purchase additional coverage. To meet your SR-22 requirements, you don’t need to buy any coverage beyond these basic liability minimums.

Who needs an SR-22?

SR-22 certificates are usually mandated by the Iowa DMV or in court. Usually, it’s drivers with serious or repeat driving infractions who are required to file an SR-22 certificate in Iowa—even if they don’t have a car to insure. Often, if your driver’s license has been suspended due to these infractions, you won’t be able to reinstate it without an SR-22. 
Iowa drivers with the following offenses may be required to file an SR-22: 
Beyond these, there are also non-driving violations that can lead to a court-ordered SR-22. For example, you could be required to file an SR-22 for failing to pay child support. 
Keep in mind that although the filing fees for an SR-22 aren’t high, your increased insurance rates will be. 

How to get non-owner SR-22 insurance in Iowa

If you have to get an SR-22 in Iowa but don’t own a car (i.e., no car insurance), your best option is to get a non-owner car insurance policy. This coverage is for drivers who don’t own the car they drive but still require an SR-22 and the included liability insurance minimums.
Not all non-owner policies work with SR-22s, so you’ll have to do some research to find the right company to work with. A few car insurance companies in Iowa to consider include
Progressive
, National General, Dairyland, and
Nationwide
.
To get your non-owner SR-22, you’ll need to: 
  • Get in touch with local insurance agencies and inquire if they offer non-owner insurance with SR-22 requirements. 
  • Before selecting your policy, get at least three to five quotes.
    Comparing car insurance quotes
    is an important step in finding good (and affordable!) coverage—regardless of your driving record. 
  • Cut back extra costs with insurance discounts. Each company offers driver discounts, but not all advertise these discounts. While you’re asking about their SR-22 offerings, also see if you are eligible for any discounts! 
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Most SR-22 filing requirements last three to five years, so you’ll need to keep an active non-owner insurance policy throughout that period. If your insurance lapses, the clock could be reset on your three to five years. 
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