Cheapest SR-22 Car Insurance in Iowa

Progressive offers Iowa's most affordable SR-22 insurance at $608 for minimum coverage and $1,807 for full coverage. The minimum rate is $721 below the statewide average of $1,330, making Progressive about 54% cheaper than typical SR-22 prices in Iowa.  

Farmers, the most expensive on our list, costs $1,096 for minimum coverage, still 18% below the state average but $488 more than Progressive. Understanding rate variation in Iowa can reveal ways high-risk drivers can save on insurance.

The table below shows the five companies with the lowest SR-22 insurance rates in Iowa.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Travelers most often appears as the cheapest across categories. The least expensive group is Drivers With Racing Violation, costing $511 for minimum coverage SR-22 insurance with State Farm, while the most expensive is Young Drivers With a Suspension, at $702 with Travelers. The spread demonstrates how speed-related violations can price lower than suspension histories in this state.

Your exact rate will vary according to the violation on your record and how insurers evaluate your risk level.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Hawkeye is Iowa's cheapest city for minimum coverage SR-22 insurance at $400 (State Farm), while Des Moines averages $726 (Travelers). That's a $326 difference, or about 82% higher in the capital, aligned with urban traffic and claim patterns.  

Insurers factor in ZIP-code trends like collision frequency and theft when setting SR-22 prices within Iowa.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Travelers stands as the best car insurance provider for SR-22 filing because it offers affordable rates, quality customer service and useful coverage options, earning the highest overall MoneyGeek score. Consider GEICO, State Farm, Progressive and Farmers in your search as well.

To comply with Iowa laws, you must carry these minimum liability limits:

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

In the state, SR-22 certificates are usually required for two years. This period can extend to three years or longer, depending on the violation and if there's noncompliance with requirements or repeated offenses.

While SR-22 filing helps meet Iowa's basic insurance requirements, drivers must also comply with several other important coverage regulations and state laws.

In Iowa, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 2 to three years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

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

MoneyGeek analyzed hundreds of thousands of quotes across Iowa to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Iowa SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

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:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts 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

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.