Cheapest SR-22 Car Insurance in Iowa

Travelers provides the cheapest SR-22 insurance in Iowa, with monthly rates of $55 for minimum coverage and $119 for full coverage, about 46% below the state's average. While these rates represent costs for 40-year-old drivers with a DUI on record, State Farm, Progressive, GEICO and Farmers might offer better rates for your specific profile.

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

Travelers leads Iowa's SR-22 market, winning four out of seven categories we analyzed, including coverage for most drivers and young drivers with suspensions. State Farm excels in three specific categories, offering particularly affordable rates for senior drivers and those with racing or multiple speeding violations.

* 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.

Our research covers general insurance winners, but your best rates depend on personal factors. The table below matches you with affordable providers based on your age, gender, coverage needs, credit score and driving history.

Travelers provides the most affordable SR-22 car insurance across Iowa, with rates starting at $43 monthly in Wadena. You can review its rates for major cities in the Hawkeye State below.

* 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.

SR-22 car insurance in Iowa costs $816 annually for minimum coverage and $1,922 per year for full coverage policies. The Hawkeye State ranks as the second most affordable state nationwide for both coverage types. Monthly rates can range from $49 to $700, depending on your driving record and other risk factors.

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

Hawkeye and Wadena offer Iowa's most affordable SR-22 insurance at $53 per month, while Des Moines has the highest rates at $75 monthly. You can review costs for major cities across the Hawkeye State for both full and minimum required coverage policies.

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

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.