Insurance with an SR-22 in Iowa

If you need an SR-22 to get car insurance in Iowa, you aren't alone. This fairly routine legal requirement is sometimes necessary after a violation such as a DUI conviction, a driving-without-insurance citation, an at-fault crash, driving with a suspended license, or collecting excessivepoints on your license.

Finding inexpensive insurance coverage with a SR-22 certificate in Iowa might require some effort, but it's worth the trouble. We explored how much a SR-22 certificate usually costs in Iowa and how to get one — let's dive into the details.

How much should you expect to pay for an SR-22 in Iowa?

Auto insurance with an SR-22 in Iowa will probably be expensive. This isn't because obtaining the SR-22 certificate is expensive — filing fees might be just $15 to $35 — but a product of the insurance rate increases from the citation that prompted the SR-22 requirement to begin with.

Insurers charge higher-risk clients increased rates to account for the more substantial risk of an incident. The price increase you’ll face may depend on the frequency and severity of your infractions — listed below are average car insurance rates for motorists with SR-22s in Iowa.

High-risk rating factorAverage yearly rateIncrease vs. no violations
No citations$1,106
At-fault collision (>$2,000)$1,500$394
Speeding (21-25 mph > limit)$1,403$297
Reckless driving$1,728$622

If you want to purchase affordable car insurance with a SR-22, we're ready to help. Submit your ZIP code below to get personalized auto insurance quotes from popular companies.

How to acquire an SR-22 in Iowa

For currently insured drivers

If you currently have auto insurance, getting an SR-22 certificate is relatively easy. Just call your car insurance company request they file a SR-22 request for you. If your current insurer won't file a request, you should shop for a new policy with a new insurance company.

If you don't have insurance

When filing for a new policy, you might face an up-front fee to cover the cost of the SR-22 request form and your high-risk driving profile. Needing an SR-22 certification could disqualify you from purchasing insurance from some companies, while others will sell you a policy.

Don't own a vehicle?

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, get a non-owners car insurance policy before asking for an SR-22. Non-owners auto insurance can be less expensive than standard coverage since it doesn't cover material damages sustained by your vehicle.

Our methodology

The Zebra conducted in-depth pricing analysis using its proprietary insurance quote engine, comprising data from rating platforms and public rate filings. The Zebra surveyed nearly 53 million rates to identify trends for specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact insurance costs.

Renata Balasco photo
Renata BalascoAssociate Content Strategist

Renata is a licensed insurance professional and content strategist responsible for creating home and auto insurance guides for The Zebra.

Renata's background in technical writing and her experience working in the insurance industry informs her work. She holds a bachelor’s degree in communications.

Renata's work has been cited by Car and Driver