How to get an SR22 Insurance in Iowa

How to get an SR22 Insurance in Iowa?

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What is an SR22 Insurance and why do I need it?

An SR22 insurance is needed by a state’s Department of Motor Vehicles (DMV) as confirmation that a driver meets the minimum basic requirements of vehicle liability insurance needed by the state. 

SR22 is basically a certificate of financial responsibility, which is needed to get your driving privileges reinstated after a driving infraction such as, a DUI conviction, an uninsured car crash/auto accident.

Though it is commonly referred to as “SR-22 insurance”, it’s not insurance. It is simply a document provided by the auto insurance company that proves the driver has the minimum liability coverage on the car insurance policy required by the specific state.

 

SR22 Insurance in Iowa

If your license is suspended for any moving violations or you are convicted of a more serious driving-related offense then the Iowa Department of Motor Vehicles (DMV) will likely need you to obtain an SR-22 from a licensed auto insurance company in order for you to get your driving license reinstated.

In Iowa, an SR22 insurance certifies that you have the state-mandated minimum car insurance coverage required to drive or to have your driving license reinstated after being convicted of one of a few serious driving offenses.

SR-22 requirements in Iowa are unique to the state. So it’s important for you to understand how this will impact your insurance rate, driving record and other factors.

 

Who needs an SR22 Insurance in Iowa?

SR22 insurance in Iowa is essential for drivers –

  • Whose license gets suspended or revoked due to a DUI/DWI
  • Who were caught driving with an expired insurance policy 
  • Whose license was suspended after hit-and-run, vehicular manslaughter, committing perjury regarding vehicle registration or a driver’s license application
  • Who were caught driving under the influence of alcohol or/and drugs.

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What is the minimum liability coverage amount to be purchased and maintained by all the drivers requiring an SR22 in Iowa?

The state of Iowa requires all drivers requiring an SR22 Insurance to have a minimum liability coverage of –

  • $25,000 for the injury or death of one person (yourself, a passenger, another driver, pedestrian, etc.)
  • $40,000 for the total damages caused in a single accident
  • $15,000 for property damage.

 

How do I file an SR22 Insurance form in Iowa?

Your SR22 insurance in the state of Iowa can be acquired from your auto insurance provider who will file your SR22 form with the Iowa Department of Motor Vehicles (DMV) for a fee. You will receive a copy of the form along with a letter from the Department of Motor Vehicles (DMV) once your SR22 insurance filing has been accepted.

SR22InsuranceNow can help you in getting the cheapest SR22 Insurance in Iowa. Our nationwide partnerships with top providers (Geico, State Farm, Progressive, Allstate & more) makes sure you get the cheapest SR22 rates in Iowa.

Call us now at 888-885-3948 to compare rates from top providers and get the best offer unique to your needs!

 

How much does an SR22 Insurance cost in the state of Iowa?

In Iowa, your insurance provider will charge you a filing fee of $15 to $35 to file for an SR22 insurance. However the filing fee isn’t the most expensive part of the SR22 Insurance. Once you are asked to get an SR22 Insurance, you are termed as a “high-risk” driver by the state of Iowa and most of the auto insurance providers, resulting in higher insurance premiums hitting your wallet hard.

The increase in premium amount you pay depends on the provider you choose, severity of your driving violation, age, and many other factors.

You can check the table below to get an estimate of how much does a SR22 insurance cost in Iowa after being convicted of one of the below mentioned driving infractions-

High Risk Rating Factor Average Annual Rate Increase vs. no violations
No Violations
$1,106
-
At-fault collision with damage over $2,000
$1,500
$394
Speeding of 21-25 mph over the limit
$1,403
$297
Reckless driving
$1,728
$622
Racing
$1,789
$683
Hit-and-run
$1,789
$683
DUI/DWI
$2,293
$723

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How long do I need to carry an SR22 in Iowa?

In Iowa, all drivers requiring an SR22 insurance must maintain it for a minimum of two years (24 months) from the date their licenses are eligible to be reinstated. If you cancel/let your SR22 insurance policy lapse prematurely, your auto insurance provider will notify the DMV in Iowa leading to suspension of your driving privileges until you get your SR22 renewed.

 

Non-Owner SR22 Insurance In Iowa

In Iowa, non-owner SR22 insurance is required for motorists who drive a car but don’t own it. This includes coverage for any damage caused by the driver while driving. The cost of a non-owner SR22 insurance in Iowa depends on a few components including age, sexual orientation, location, conjugal status, driving record, and FICO score.

SR22InsuranceNow can help you in finding insurance companies in Iowa that offer non-owner SR22 insurance. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day.

Call us at 888-885-3948 now!

 

Frequently asked questions related to SR22 Insurance in Iowa

1. Where can I get the cheapest SR22 in Iowa?

SR22InsuranceNow can help you in getting the cheapest SR22 in Iowa by letting you compare SR22 car insurance quotes from various top providers (Geico, State Farm, Progressive, Allstate etc) 

Top cities covered are Des Moines, Cedar Rapids, Davenport, Sioux City, Iowa City, Waterloo, Ames, West Des Moines, Council Bluffs, Ankeny, Dubuque, Urbandale, Cedar Falls, Marion, Bettendorf, Mason City, Marshalltown, Clinton, Burlington, Ottumwa, Fort Dodge, Muscatine, Johnston and more.  

Call us now at 888-885-3948!

 

2. How to get cheapest SR22 Insurance without a car in Iowa?

In Iowa, if you don’t own a car, you have to get a non – owners SR22 insurance. This insurance covers the cost of any damage caused by the driver while driving.

SR22InsuranceNow will help in finding insurance companies that offer the cheapest non-owner SR22 in Iowa. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day.

Give us a call at 888-885-3948 today!

 

3. Do I need to keep my SR22 Insurance even when I move out of Iowa?

Even if you move out of Iowa, you will still need to fulfil your SR-22 insurance filing period. This is regardless of whether you live in a state that requires SR-22 insurance or not. 

 

4. Which companies offer cheap SR22 in Iowa?

In Iowa, top insurance companies like State Farm, Geico, Allstate, Progressive and many more offer SR22 Insurance. 

Call SR22InsuranceNow at 888-885-3948 to get a free S22 quote from top insurance providers (Geico, State Farm, Allstate, Progressive). Compare rates and save big.

 

5. Which companies offer cheap Non – Owner SR22 Insurance in Iowa?

State Farm, Geico, Allstate, Progressive and other top companies offer Non – Owner SR22 Insurance in Iowa. 

You can call SR22InsuranceNow (888-885-3948) and one of our executives will assist you in getting the cheapest Non – Owner SR22 Insurance plan now!

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