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Key Takeaways

  • SR-22 in Iowa must be kept for at least two years.
  • You must pay between $25 and $50 for filing SR-22 insurance in Iowa.
  • State Farm and USAA provide the cheapest SR-22 insurance rates in Iowa.

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.

What is SR-22 Insurance in Iowa?

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.

What is the minimum SR-22 car insurance coverage in Iowa?

The minimum car insurance requirements in Iowa are as follows. This is the same as the SR-22 requirements in the state.

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

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Who needs SR-22 Insurance in Iowa?

In Iowa, drivers must require SR-22 insurance if they have committed the following infractions.

  • DUI and DWI charges
  • Multiple ticket violations
  • Reckless driving charges
  • Driving without insurance
  • Driving without a license or after your license has been suspended
  • Hit and run accident conviction

How long will I need the SR-22 in Iowa?

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.

How much does SR-22 Insurance cost in Iowa?

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.

Cheapest Companies for SR-22 Insurance in Iowa

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

How much does credit score affect SR-22 insurance costs in Iowa?

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

How do I get SR-22 Insurance in Iowa?

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.

Alternatives to SR-22 Insurance in Iowa

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.

Non-Owner SR-22 Insurance in Iowa

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

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How to Save Money on SR-22 Insurance in Iowa

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.

  • Compare and Purchase

Make use of the online quotes that insurance companies now provide. Choosing the one that suits your needs is best possible through this research. is the quickest and easiest way to compare quotes in Iowa.

  • Improve your Credit Score

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.

  • Look for Discounts

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.

  • Increase your Deductible

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.

  • Pay your Premium in Full

Insurance companies will reduce the total amount paid if you can pay your premium in full.

  • Consider Usage-Based Car Insurance

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.

Bottomline: SR-22 Insurance in Iowa

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. 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.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’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

Frequently Asked Questions

How much does SR-22 insurance cost compared to a standard policy in Iowa?

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.

Which company in Iowa is the cheapest for SR-22 insurance?

State Farm offers the cheapest insurance rates for SR-22 insurance.

How long do Iowa drivers need an SR-22?

Iowa drivers need to maintain SR-22 insurance for two years.

What happens to my SR-22 in Iowa if I move?

If you leave Iowa, you must continue to pay your SR-22 insurance. Therefore, leaving the state will not remove your SR-22 obligation.

Do I need an SR-22 in Iowa if I don't have a car?

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.

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