Get cheap SR-22 insurance in Iowa |

Get cheap SR-22 insurance in Iowa

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Get cheap SR-22 insurance in Iowa

If you’ve lost your license in Iowa, you may have to file for SR-22 insurance in order to get your license back. Here’s a look at how you can get and maintain an SR-22 in Iowa.

  • Affordable coverage
  • Instant online access
  • SR-22 support

Our top pick: The General

The General offers affordable coverage for nearly any driver who needs car insurance.

  • Affordable coverage
  • High risk drivers okay
  • Instant online access
  • Available in 46 states

Compare Iowa SR-22 car insurance

Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Iowa car insurance.

Name Product Roadside assistance New car protection Accident forgiveness Available states
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

Why do I have to file an SR-22 in Iowa?

You might be required by law to file an SR-22 if:

  • You’re convicted of an OWI or DUI.
  • You’re convicted of reckless driving.
  • You’re found driving without insurance.

What if I don’t have a car?

If you don’t own a car but you intend to drive, you still need to file for an SR-22. You’ll need to purchase a non-owner or operator insurance policy to get your license reinstated.

What if I’m from another state?

If you have an SR-22 from another state, maintain it while driving in Iowa. Call the Iowa Department of Transportation (DOT) to determine whether your SR-22 is sufficient in Iowa.

If you move from Iowa and want to apply for a license in another state, you still need to meet Iowa’s SR-22 requirements. You and a driver’s license official need to complete an Iowa Residency Statement form.
Once it’s completed, mail it to:

Iowa Department of Transportation
Office of Driver Services
P.O. Box 9204
Des Moines, Iowa 50306-9204.

Get cheap SR-22 insurance

Compare SR-22 car insurance from companies near you.

Your information is secure.

How much does an SR-22 cost in Iowa?

Once you’ve renewed or purchases a policy most providers will file an SR-22 for a fee $20 to $50. However, it’s not the filing fee that’s most expensive when you’re required to file an SR-22 — you’ll typically see higher premiums than you’re used to.

The impact of an SR-22 on your car insurance rates

SR-22s are often required after a driving conviction, such as a OWI or reckless driving. After such a conviction, you’re considered a “high risk” driver by Iowa and most insurance providers — which typically results in higher insurance rates. Still, you’ll find providers out there that specialize in high-risk drivers.

Talk to your provider about how much you can expect your rates to increase.

Make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could cost you a lot of time and money.

Cheap SR-22 car insurance in Iowa

Not every insurer offers SR-22 filing support. Compare cheap rates from Iowa insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

Rates last updated June 25th, 2019
Company Median annual rate Learn more
Allstate $378 Read review
State Farm $321 Read review
Geico $579 Read review
Progressive $417 Read review
American Family $450 Read review
USAA $439 Read review
Average $431 Compare more reviews

How do I file an SR-22 in Iowa?

  1. Find an insurer. Ask your insurer if it issues SR-22s in the state of Iowa. If it doesn’t, you’ll need to find a car insurance company that does.
  2. Pay the SR-22 fee. Your insurer will charge you a processing fee for filing the SR-22 on your behalf.
  3. Verify minimum liability coverage. Iowa’s minimum insurance requirements are:
    • $20,000 bodily injury for one person.
    • $40,000 bodily injury for more than one person.
    • $20,000 uninsured and $40,000 underinsured motorist coverage.

    These are the minimum coverage requirements for the state of Iowa that you might see listed as 20/40/20 in insurance documents.

  4. Submit your SR-22. Your insurance agent will file your SR-22 with the Iowa’s DOT Office of Driver Services.
  5. Wait for confirmation. You’ll receive a letter from your insurer and the state of Iowa that your SR-22 is accepted.

How long will I need an SR-22 for in Iowa?

In Iowa, you usually need to keep SR-22 for two years once your license is reinstated.

What happens if I let my SR-22 lapse?

Your license and registrations are suspended if your SR-22 insurance lapses. A lapse can occur if you end your current SR-22 policy before being fully covered by a new one, expiration or cancelation. Getting your license suspended again means having to pay any reinstatement fees again as well.

What happens when I don’t need SR-22 coverage anymore?

After your filing period ends you’ll be able to change your policy without having to deal with SR-22 certification anymore. Confirm with the Iowa DOT before you end your coverage. Doing so can help you avoid suspension of your license and registrations.

Bottom line

You’ll need to keep up your SR-22 filing for two years after the mandate is passed. Staying on top of your payments, filing by your deadline and maintaining a spotless driving record during this time can help you avoid additional fees and losing your license again.

Compare your insurance options before you settle. Your premiums will likely be higher, which makes it all the more important to get the best deal available.

Get cheap SR-22 insurance

Compare SR-22 car insurance from companies near you.

Your information is secure.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site