Cheapest SR-22 Car Insurance in Iowa

Progressive offers the cheapest SR-22 insurance in Iowa at $18 monthly, 63% less than the state average for minimum coverage. For full coverage, American Family leads at $72.

State Farm offers Iowa's most affordable non-owner SR-22 insurance at $18 monthly or $211 annually. Drivers without a vehicle who need an SR-22 can meet state minimum coverage requirements by purchasing non-owner insurance. 

The table below shows providers offering non-owner SR-22 insurance and their average minimum coverage costs.

The average cost of car insurance for drivers with an SR-22 in Iowa is $572 annually for minimum coverage, about 70% higher than the $337 average for clean-record drivers.

SR-22 drivers pay an average of $1,717 per year for full coverage, 63% more expensive than the $1,056 average for drivers with clean records.

Having an SR-22 form doesn't raise your insurance rates by itself. The type of violation determines the cost. In the table below, compare SR-22 insurance prices in Iowa for common violations across different age groups.

An SR-22, often called SR-22 insurance, is proof that your car insurance meets the minimum coverage requirements. In Iowa, drivers with certain violations must file it to reinstate their license. Insurers classify these drivers as high-risk, leading to higher premiums.

An SR-22, also known as an SR-22 bond or certificate of financial responsibility, is often confused with an insurance policy. It's a certification your insurer files to confirm that your coverage meets the reinstatement requirements of Iowa’s Financial Responsibility law.

Iowa drivers with serious traffic violations must have an SR-22 for up to two years. This form proves you have the state's minimum coverage. To comply with SR-22 laws, you must meet these requirements:

• $20,000 personal injury liability per person
• $40,000 personal injury liability per accident
• $15,000 property damage liability per accident

In Iowa, SR-22 certificates are usually required for up to two years.

Along with using an SR-22 for up to two years to comply with Iowa's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the two-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Iowa during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the two-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, maintain active SR-22 insurance throughout the required period. Get an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be challenging, as some insurers may cancel or deny coverage, making the process harder than for drivers with clean records.

High-risk drivers in Iowa may find fewer companies offering them coverage, often leading to limited choices and higher premiums. When getting an SR-22 insurance quote, check with your insurer for the exact fee if you're filing for the first time. Use the following tips to find cheaper SR-22 insurance:

Non-owner insurance covers those who drive often but don’t own a car, making it ideal for frequent renters or rideshare drivers. It covers third-party injuries or property damage when driving someone else’s vehicle.

It's often more affordable than standard coverage. Comparing quotes from different insurers can help you find the best rates. After purchasing a policy, your insurer can file an SR-22 form, ensuring compliance with state laws and enabling license reinstatement after two years.

Iowa drivers with severe offenses must file an SR-22 to prove they meet state minimum coverage requirements. It must be maintained for up to two years for serious or repeat violations. While SR-22 rates are higher, several cheap car insurance providers are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Iowa:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Iowa drivers with various profiles and needs.

Iowa Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Iowa's minimum coverage requirements, with the following limits:

• $20,000 personal injury liability per person
• $40,000 personal injury liability per accident
• $15,000 property damage liability per accident

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.