SR-22 insurance in Iowa: Quotes, rankings and information

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#1
/22
USAA
4.72 ★★★★★
4.72 ★★★★★
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#2
/22
AAA
4.12 ★★★★★
4.12 ★★★★★
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#3
/22
4.11 ★★★★★
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#4
/22
Grinnell Mutual
4.11 ★★★★★
4.11 ★★★★★
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#5
/22
4.10 ★★★★★
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#6
/22
4.09 ★★★★★
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#7
/22
4.06 ★★★★★
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#8
/22
Nationwide
4.04 ★★★★★
4.04 ★★★★★
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#9
/22
4.01 ★★★★★
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#10
/22
allstate
4.00 ★★★★★
4.00 ★★★★★
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#11
/22
4.00 ★★★★★
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#12
/22
3.98 ★★★★★
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#13
/22
Esurance, Inc.
3.98 ★★★★★
3.98 ★★★★★
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#14
/22
3.95 ★★★★★
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#15
/22
3.92 ★★★★★
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#16
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Pekin Insurance
3.85 ★★★★★
3.85 ★★★★★
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#17
/22
dairyland
3.82 ★★★★★
3.82 ★★★★★
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#18
/22
3.57 ★★★★★
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#19
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3.48 ★★★★★
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#20
/22
3.30 ★★★★★
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#21
/22
3.25 ★★★★★
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#22
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2.64 ★★★★★
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What are Iowa SR-22 requirements?

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 fulfils 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.

High-risk drivers are required to have this type of certificate, but because of the risk factor, some insurers may decline coverage. But those who offer SR-22 coverage will likely increase your premium rates. If you don't own a motor vehicle, but drive a rental or borrow a car from someone else, you will need to prove that you have car insurance with a non-owner SR-22 car insurance policy.

You’ve likely heard the term SR-22 insurance if you’re required to file an SR22 in Iowa. While SR-22 insurance for drivers is not actually a different type of insurance from typical car insurance, the term is often used to describe car insurance coverage for those who need an SR-22 endorsement because an SR22 affects your car insurance coverage and cost. In Iowa, SR-22 insurance after a DUI conviction costs an average of 50% more than car insurance for standard drivers. So, the SR-22 certificate is for drivers convicted of serious driving violations, to prove that their policy meets the minimum liability requirements.

The premium for SR-22 insurance in Iowa may be higher due to the traffic offense seriousness. However, the average cost will depend on various factors such as the filing fee, the severity of driving violation, and the loss of discounts. That's why it's a good idea to compare rates from a few insurance carriers to find the most affordable option.

SR22 insurance is typically required for three years but your filing period may vary based on the violation you committed. During this period, your car insurance rates will increase. If you maintain your SR-22 insurance for your required filing period and keep a clean driving record, you won’t need to file the form any longer after your period is up. This could result in your car insurance rates to decrease.

In case of lapse, expiry, or cancellation of your SR-22 insurance, your insurance company will notify the Iowa DOT by filing an SR-26 form. This form explains that you no longer have SR22 insurance with the insurance company. An SR-26 could lead to suspension or revocation of your license. You may also face additional penalties and fines.

Use our comparison tool to compare affordable car insurance quotes from multiple companies.

What are SR-22 insurance limits in Iowa?

If you’re required to have SR-22 insurance in Iowa, you’ll be required to have at least the following auto insurance coverage:

  • Bodily injury liability — $20,000 per person
  • Bodily injury liability — $40,000 per accident
  • Property damage liability — $15,000 per accident

Who needs SR22 in Iowa?

In Iowa, SR22 insurance is required in a few scenarios in order for you to get your license reinstated. SR-22s are required after you’ve committed certain violations of the law. You may even be required to have an SR-22 if you’ve had a series of small violations within a short span of time.

Violations requiring an SR-22 vary from state to state. Drivers in Iowa could need SR22 insurance for the following reasons:

  • Operating while Intoxicated (OWI) - This is called a DUI or DWI in most states
  • Refusal to take a breathalyzer or blood alcohol test or urine test
  • Reckless driving
  • Legal judgment
  • Uninsured vehicle accidents or driving without insurance
  • Multiple driving offenses resulting in excessive points on your record
  • Child support or child neglect cases

Violating the drunk driving laws is a serious offense requiring the driver to carry an SR-22 in Iowa. According to the Implied Consent Laws, refusal to undergo a chemical breath, blood or urine alcohol test results in the immediate suspension of your driver's license. Minor violations usually do not require SR-22 insurance in Iowa.

How are Iowa SR-22 insurance rates calculated?

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, motor 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% 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. In the table below, you can find average rates for Iowa drivers who have one DUI conviction from some of the largest companies in the state.

Company Car insurance rate
Farmers $932
Geico $958
USAA* $1,021
State Farm $1,082
Nationwide $1,192
American Family $1,263
Auto-Owners $1,308
Progressive $1,413
Farm Bureau Property & Casualty Insurance Company (FBPCIC) $1,459
Allstate $1,522
Safeco $1,674

*USAA is only available to active and former military members and their families.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Iowa will differ. Rate data is provided by Quadrant Information Services.

How to get SR22 insurance in Iowa?

The first step to get SR-22 insurance is to find an insurer. An SR22 must be filed through a car insurance provider. You can’t complete it on your own. Several insurance companies offer SR-22 insurance in Iowa. You can start by talking to your insurance company to see if it offers SR22 insurance. It may be a good idea to shop around for SR-22 insurance even if your car insurance company provides it. The insurance rates vary from company to company.

Use the table at the top of this page to find all the car insurance companies that offer SR-22 insurance in Iowa with a minimum of 25 reviews. If you want to see which companies customers say are the best car insurance companies for SR22 insurance in Iowa, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange "Click for quote" button next to the company, call the number available, or visit the company's website.

If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.

What are some alternatives to SR-22 insurance in Iowa?

You have an alternative option instead of getting SR22 insurance in Iowa. However, it’s not a popular choice because it requires a large sum of money to be set aside. The alternative option is to set aside $55,000 in the form of a surety bond, cash or securities. This money will be used to cover damages if you get into a car accident.

Are there any SR-22 fees in Iowa?

If you’re filing for an SR-22 in Iowa, it means you’ve violated specific laws as a driver. For your license to be reinstated, you must register for proof of financial responsibility. The SR-22 insurance in Iowa is quite expensive as the car insurance cost increases due to the added cost of the violation. The SR-22 insurance rates and premium depend on the offense, but the fees for filing in Iowa is typically between $15 to $35. Further, you’re required to pay another $10 as a license fee for a duplicate license. On completion of the period of revocation, you’ll be required to pay a license reinstatement fee, which varies based on your violation.

An OWI (commonly referred to as a DUI in most states) is one of the most common reasons for needing SR22 insurance and it’s a very costly conviction. There are many penalties for an OWI in Iowa including license suspension or revocation. When you’re able to get your license reinstated after an OWI, you’ll have to pay a civil penalty of $200.

How are car insurance rates calculated?

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you with a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history (in some states)
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require their drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance?

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How do we rank car insurance companies?

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

  • Cost
  • Customer Service
  • Overall Experience
  • Claim service
  • Purchasing experience
  • Likelihood to recommend

Car Insurance Guide

Whether you’re buying your insurance directly or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.

How car insurance rates are calculated

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history (in some states)
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How we rank car insurance companies

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

  • Cost
  • Customer Service
  • Overall Experience
  • Claim service
  • Purchasing experience
  • Likelihood to recommend

Guide to understanding car insurance

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.

Save Money by Comparing Insurance Quotes
Compare Free Insurance Quotes Instantly
ZIP Code must be filled out!
 Secured with SHA-256 Encryption