Insurance with an SR-22 in Iowa

The Zebra
Nov. 16, 2018

If you need an SR-22 to get an auto insurance policy in Iowa, you're not the only one. This fairly common legal requirement is triggered by a driving violation such as a DUI/DWI, a driving-without-insurance citation, a collision causing substantial property damage, a ticket for driving with a suspended license, or amassing too many points on your license.

Finding cheap coverage with an SR-22 in Iowa might not be easy, but it's worth the trouble. We examined how much an Iowa SR-22 will probably cost and how to easily get one — let's dive into the details.


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How much does Iowa SR-22 insurance cost?

Insurance with an SR-22 requirement in Iowa is often expensive. This isn't because obtaining the SR-22 certificate is expensive — filing fees will usually be $15 to $35 — but because of the insurance cost increases triggered by the violation that made the SR-22 necessary.

Car insurance companies bill risky clients more expensive rates to account for the increased risk of an incident. The rate hike you’ll face may depend on the frequency and severity of violations — listed below are average insurance premiums for motorists with SR-22s in Iowa.


IOWA CAR INSURANCE PREMIUMS BY CITATION
High-risk rating factorAverage annual rateIncrease vs. no violations
No violations$1,014.64
At-fault collision (>$2,000)$1,478.00$463.36
Speeding (21-25 mph > limit)$1,255.41$240.77
Reckless driving$1,737.81$723.17
Racing$1,739.00$724.36
Leaving the scene of an accident$1,547.73$533.09
DUI/DWI$1,685.16$670.52

If you are looking for reasonably priced car insurance after getting a SR-22, The Zebra is here to help. Enter your ZIP code below to get personalized auto coverage quotes from popular companies.


Requesting an SR-22 in Iowa


If you have car insurance:

If you have an active car insurance policy, obtaining an SR-22 certificate is relatively easy. Just call your insurance company ask them to file a SR-22 request on your behalf. If your current car insurance company isn’t willing to file an SR-22 request, you should shop for a new policy with a new insurance company.

Uninsured?

When filing for car insurance, you might face an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification could disqualify you from being insured by some carriers, while others would be happy to cover you.

For non-vehicle owners:

If you don't own a vehicle, getting an SR-22 can be difficult, as you'll need proof of insurance to get a certificate. If this is the case, you should get a non-owners auto insurance policy before asking for an SR-22. A non-owners policy is often cheaper than traditional coverage since it doesn't cover physical damage to your vehicle.

Methodology

Between September and December 2017, we conducted comprehensive auto insurance pricing analysis through our proprietary quote engine, comprising data from rating systems and public rate filings. The Zebra assessed nearly 53 million premiums to examine trends for specific auto insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

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

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