Filing for SR-22 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.
SR-22 insurance isn’t insurance at all. It’s a certificate that verifies you have the minimum liability insurance required by law in Iowa.
Here’s a look at how you can get and maintain an SR-22 in the Hawkeye State.
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 caught 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 back.
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 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.
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.
How do I file an SR-22 in Iowa?
- 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.
- Pay the SR-22 fee. Your insurer will charge you a processing fee for filing the SR-22 on your behalf.
- 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.
- Submit your SR-22. Your insurance agent will file your SR-22 with the Iowa’s Department of Motor Vehicles.
- Wait for confirmation. You’ll receive a letter from your insurer and the state of Iowa that your SR-22 is accepted.
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.
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.