Iowa SR22 Insurance
Iowa SR22 Insurance
If you need to file an SR-22 form in Iowa, it means you’ve committed a driving violation and have been required by the state or court to file it. The SR-22 insurance form fulfills Iowa’s financial responsibility law and it proves you are carrying the minimum required amount of vehicle liability insurance in Iowa and it allows you to drive in the state. SR22 filings are submitted by your insurance company to the Iowa Department of Transportation (DOT) Office of Driver Services.
- Iowa SR-22 insurance rates
- Who Needs Iowa SR-22 Insurance?
- Different Types of Iowa SR-22 Forms
- Iowa Non-Owner SR22 Insurance
- What Offenses Warrant an SR22 Insurance Requirement in Iowa?
Iowa SR-22 Insurance Rates
If you need SR-22 insurance in Iowa, you are considered a high-risk or non-standard driver. High-risk drivers that need SR22 insurance tend to pay the highest car insurance rates. The insurance cost increase is triggered by the violation that made the SR-22 necessary. The cost of car insurance can vary by company and there are many other factors that go into the cost of SR-22 insurance such as your age, gender, location, credit score, vehicle type, marital status and so on.
One of the most common reasons drivers need SR-22 insurance is because of a DUI conviction. On average, drivers with one DUI conviction in Iowa pay $1,248 per year for car insurance. That’s 50 percent more than car insurance for a driver with a clean driving record. However, the cost you pay differs significantly based on the company you buy car insurance from.
The minimum mandatory liability insurance coverage required in the state of Iowa for private passenger vehicles is (20/40/15). This equates to the following liability coverage:
- $20,000 bodily injury liability (BIL) per person
- $40,000 for two or more people in one accident
- $15,000 property damage liability (PDL) coverage
The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.
If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.
Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.
Who Needs Iowa SR-22 Insurance?
In Iowa, SR-22 car insurance must be carried by drivers who have had their drivers’ licenses revoked/suspended due to driving or being in accident while uninsured and failing to pay compensatory damages; drivers with unsatisfied judgments; drivers whose licenses were revoked for other reasons; drivers with DUI convictions on their driving record; and drivers convicted of six or more moving violations or who have accumulated six or more demerits within a two-year period.
Different Types of Iowa SR-22 Forms
There are three types of Iowa SR22 certificates available in the state of Iowa:
Iowa SR22 Operators Certificate
this covers the driver for the operation of any non-owned vehicle they have been given permission to drive.
Iowa SR22 Owners Certificate
this covers the driver to drive any vehicles owned by the driver. The certificate may be issued with the details of the make and model of the driver’s automobile or it may cover any vehicle owned by the driver.
Iowa SR22 Operators-Owners Certificate
this covers any vehicles owned by the driver and any vehicles that are not owned but the driver has been given permission to drive.
Iowa Non-Owner SR22 Insurance
An Iowa SR22 non-owners insurance policy is a great way for drivers who do not own a motor vehicle and who may not have regular access to a motor vehicle to meet the states drivers license reinstatement insurance requirements. Purchasing non-owners liability coverage will enable drivers to satisfy the states SR22 insurance requirements without owning a vehicle.
Iowa Non Owner SR22 Insurance Facts:
- Non owner SR22 insurance covers only one person
- Non owner SR22 insurance is not for individuals who own a vehicle
- Non owner SR22 insurance does not include vehicles in the policyholder’s household
- Non owner SR22 insurance does not cover rental or commercial vehicles
- Non owner SR22 insurance coverage is a liability only policy, and does not include comprehensive or collision coverage
What Offenses Warrant an SR22 Insurance Requirement in Iowa?
Besides driving without mandated liability insurance, other offenses will constitute grounds for the SR22 requirement.
- Child support or neglect cases
- Excessive points against a driver’s record
- DUI or DWI offenses
- Uninsured accidents
- Failure to take a breath or blood test
Need an SR22 to get your driver’s license reinstated? SR-22 Insurance has the cheapest SR22 insurance quotes. Need SR22 insurance, but don’t have a car? You will need a non owners SR22 insurance policy to get your license back. Need an SR22 Iowa policy to get a license issued in a different state? No problem, we do out of state SR-22 insurance filings.
Whether you are looking for information, the cost, a quote or need your policy and certificate of financial responsibility today, we can help.