Progressive
$94/mo
General
$93/mo
Allstate
$170/mo
State Farm
$111/mo
CSAA
$114/mo
Progressive
General
Allstate
State Farm
CSAA
The cost of car ownership is lower in Iowa than in any other state in the United States. So what will insurance premiums be in the country's state with the lowest insurance rates after a driving infraction?
Similar to the states that require SR-22 after a severe driving violation, Iowa requires SR-22 insurance. So, a driver who has faced a serious driving infraction must file a safety responsibility form commonly known as SR-22 insurance in Iowa. It is proof of financial accountability that allows you to drive around after facing driving infractions.
Here we look in detail at the SR-22 insurance in Iowa, the cost of SR-22 in Iowa, and the cheapest and the best SR-22 insurance in the state.
After receiving a driving citation that classifies you as a high-risk driver in Iowa, you must carry SR-22 insurance as a mandated requirement. This form verifies that you have sufficient insurance coverage to meet the minimum insurance standards required by the state.
The minimum car insurance requirements in Iowa are as follows. This is the same as the SR-22 requirements in the state.
In Iowa, drivers must require SR-22 insurance if they have committed the following infractions.
An SR-22 form is normally required in Iowa for two years commencing from the date of conviction; however, depending on the nature of the offense, the Iowa Department of Transportation or a judge may decide that a longer or shorter period is necessary. If a second violation occurs within this period, the length of the SR-22 suspension may be extended, or the period may be restarted entirely.
In Iowa, the filing fee for SR-22 insurance ranges from $25 to $50. This may appear affordable; however, the insurance costs after an offense or with SR-22 insurance are costlier than the Iowa average. In Iowa, the penalties for a DWI include license suspension and revocation. In addition, when your license is reinstated following a DWI, you will be required to pay a $200 civil fine.
Iowa's annual average auto insurance premium is $1,600. In Iowa, SR-22 insurance must be maintained for two years. Your insurance premiums, which are based on your record, may increase.
Finding firms that provide SR-22 insurance may be challenging. Unfortunately, many companies are not prepared to work with high-risk drivers or submit an SR-22 on their behalf. However, here is a list of Iowa insurance providers that provide low-cost SR-22 insurance. Except for USAA, which is available to active military personnel and veterans, State Farm and Progressive have the lowest SR-22 insurance premiums in the state.
| Insurance Company | Annual Average Insurance Rate |
|---|---|
| USAA | $377 |
| State Farm | $308 |
| Progressive | $351 |
| American Family | $447 |
Besides your driving record, another factor affecting the insurance rates is the driver's credit score. Credit scores function as an indicator of your financial responsibility. Therefore, a poor credit score can increase the car insurance rates of a driver with a clean driving record.
An SR-22 requirement on your record will increase the car insurance costs in Iowa by at least $40 per month.
| Credit Tier | Avg. Monthly Rate - No Violation | Avg. Monthly Rate - SR-22 |
|---|---|---|
| Excellent | $137 | $168 |
| Good | $151 | $187 |
| Average | $153 | $189 |
| Poor | $165 | $204 |
In Iowa, filing SR-22 insurance is more than simply filling out documents. Since not all insurance companies accept high-risk drivers, the first step is to narrow the list to those offering SR-22 insurance. Then, on your behalf, they file the SR-22 form with the Iowa Department of Transportation.
Finalize your Provider
Your current insurance company may not provide you with SR-22 insurance. Thus, you must research, shop around, compare and finalize your provider.
Payment of SR-22 Fee
You'll have to pay between $15 and $25 to the provider as the provider needs to fill in the form on your behalf to the Department of Transportation.
File proof of Insurance
You will have to purchase state-mandated minimum liability insurance from your provider. Your insurance carrier will file the proof soon after.
Receive Confirmation
The insurance company will submit the form to the state's Department of Transportation after paying the charge. Once the form is accepted, the insurance provider will send you a letter confirming this.
After a license suspension following a severe driving offense, filing for SR-22 in Iowa is mandatory. However, the state offers an alternative to avoid SR-22 insurance altogether. A sum of $55,000 in cash, securities, or a surety bond can be paid. This amount will be used to cover damage in a collision.
If you are subjected to the SR-22 insurance requirement and don't own a car in Iowa since you have faced a driving violation, then you can purchase non-owner insurance in Iowa. The non-owner insurance will get your license reinstated and get back your driving privileges.
Non-owner insurance in Iowa is cheaper than the average car insurance in the state costing $393 per year. State Farm and USAA offer the cheapest non-owner SR-22 insurance in Iowa.
| Insurance Company | Average Annual Rate |
|---|---|
| USAA | $271 |
| State Farm | $168 |
| Progressive | $310 |
| Travelers | $487 |
With an offense on record, reducing insurance premiums may be more difficult. However, even if your alternatives are restricted, comparing insurance quotes should give you an idea of the average rates. This can help choose a cost-effective option even after filing an SR-22 form.
Make use of the online quotes that insurance companies now provide. Choosing the one that suits your needs is best possible through this research. Way.com is the quickest and easiest way to compare quotes in Iowa.
A good credit score indicates fewer claims. So, having a good to excellent credit score can reduce the premium rates even after an offense. In addition, a good credit score will come to your rescue if the offense is not repeated, reducing your premium rates.
You may not be eligible for good driver discounts, but you must always look for the other available discounts. For example, insurance companies will offer multi-policy, telematics, and bundling discounts. This can make a huge difference in the rates.
Higher deductibles reduce vehicle insurance premiums. This will, however, reduce your accident claim. First, compare deductible alternatives to discover if a reduced deductible delivers savings, then choose one that meets your budget and comfort level.
Insurance companies will reduce the total amount paid if you can pay your premium in full.
You might want to consider usage-based insurance if you are not a frequent driver but are a high-risk driver due to infractions. This can keep your premium rates to a minimum.
The first step in addressing a traffic violation is to look for appropriate insurance coverage. Unfortunately, filing an SR-22 may cause your insurance prices to rise. Way.com finds the greatest deals from Iowa's top insurance companies.
In Iowa, State Farm provides the cheapest rates for both SR-22 and non-owner SR-22 insurance.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
After receiving a driving citation that classifies you as a high-risk driver in Iowa, you must carry SR-22 insurance as a mandated requirement. Iowa's annual vehicle insurance average is $1,600. Insurance expenses after an infraction or with SR-22 insurance are higher than the Iowa average. After a DWI, you'll also have to pay a $200 civil penalty.
State Farm offers the cheapest insurance rates for SR-22 insurance.
Iowa drivers need to maintain SR-22 insurance for two years.
If you leave Iowa, you must continue to pay your SR-22 insurance. Therefore, leaving the state will not remove your SR-22 obligation.
If you do not own a car in Iowa but are required to carry SR-22 insurance due to a traffic infraction, you can obtain non-owner insurance in Iowa. The non-owner insurance will restore your driving privileges and reestablish your license.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
For the best user experience, please download our Way app.
or
