SR-22 in Iowa: What You Need to Know

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  • What is it?
  • Who needs it?
  • How to get it
  • The cost?
  • Insurance implications
  • Cheap insurance
In Iowa, if you’re convicted of a severe driving violation, you’ll need your insurance provider to file an SR-22 form on your behalf. This “proof of insurance” guarantees that you meet the state’s mandated minimum auto insurance requirements.
If you need an SR-22 form, your car insurance premiums will go up—but that doesn’t mean your insurance costs need to rise into the stratosphere.
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To learn all you need to know about SR-22 certificates in Iowa, keep reading!
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What is an SR-22 in Iowa?

In Iowa, an SR-22 form or certificate is mandatory to reinstate your driver’s license after it has been suspended for a major traffic offense.
Filed by your insurer, the SR-22 offers a “proof of insurance”, guaranteeing that you hold insurance that meets (or exceeds) the state’s minimum liability requirements.
Iowa requires all drivers to carry liability coverage. The state’s mandated minimum insurance requirements are as follows:
  • $20,000 for bodily injury per person per accident
  • $40,000 for bodily injury for more than one person in one accident
  • $15,000 for property damage coverage per accident
In Iowa, SR-22 certificates are required for two years from the date of conviction, although the severity of the conviction can necessitate a shorter or longer term, at the discretion of Iowa’s Department of Transportation.
If you fail to renew an insurance policy with SR-22 coverage on time in Iowa, or if your coverage lapses at any time, your license will be suspended.
Key Takeaway With SR-22 coverage, make sure you pay your premiums on time every month, or else your license will be suspended.

Who needs SR-22 in Iowa?

If an Iowa driver has their license revoked or suspended for any of the following reasons, they will need their insurance company to submit an SR-22 form on their behalf to legally hit the road again:
  • Driving while uninsured
  • DUI conviction
  • Hit-and-run
  • Dangerous driving
  • Multiple driving violations in a short time
  • Driving with a suspended license
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How to get an SR-22 certificate in Iowa

You’ll need to follow these steps if you need an SR-22 form filed on your behalf.

Find an insurer

There are plenty of insurance carriers that won’t file SR-22 forms, as insurers deem drivers requiring one to be high-risk, meaning they’re considered more likely to file a claim. Do your research and find an insurer that files SR-22 certificatesin Iowa.

Pay the SR-22 fee

Once an insurer agrees to file an SR-22 for you, pay the fee so the form can be processed and filed on time. In Iowa, filing fees are usually about $25.

Verify minimum liability coverage

You’ll need to buy liability coverage that meets or exceeds Iowa’s state requirements for your insurer to file the SR-22 form for you.

Submit your SR-22

Once you pay your filing fee, your insurer will file your SR-22 with Iowa’s Department of Transportation. When the application is accepted, you’ll receive a letter in the mail from your insurance company confirming this.

How much does it cost?

Depending on your carrier, you can expect your car insurance with SR-22 coverage to cost roughly $230 more in Iowa than a standard, minimum car insurance policy. Of course, your rate depends on many factors, most notably your personal profile, age, driving history, location, and a slew of other metrics.
Key Takeaway Each insurance company uses a different formula to set premiums, so shop around to ensure you find a policy with SR-22 coverage at an affordable price.

How an SR-22 impacts your insurance in Iowa

If you need car insurance with SR-22 coverage, your insurance premiums will likely be higher than average for as long as you are on probation. Rest assured though, that so long as you complete your SR-22 term without any other violations, your insurance rates will decrease once the probationary term ends.
Even though you’ll be temporarily dealing with higher premiums, those costs can be mitigated by shopping around for the best rate amongst insurers offering SR-22 coverage.
Key Takeaway If your insurance has SR-22 coverage, be prepared to pay higher rates than you would with standard car insurance.

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