Cheapest SR-22 Car Insurance in Iowa (2024)

State Farm's minimum and full coverage SR-22 insurance policies are the cheapest in Iowa. Even if you do not own a vehicle, State Farm may be the cheapest insurer.

If you incur a severe traffic offense in Iowa, such as a DUI, you might have to file an SR-22. Most driving violations that necessitate filing an SR-22 will result in a considerable rise in your premiums. However, your infraction, not the SR-22, will increase your premiums. Whether they own their car or not, drivers can pick from various inexpensive SR-22 auto insurance options.

In Iowa, drivers with a DUI can find the cheapest deals on SR-22 insurance from the following companies:

• State Farm: $160 per year
• Progressive: $207 per year

The following insurers provide the most affordable SR-22 policies with full coverage in Iowa:

• State Farm: $547 per year
• American Family: $846 per year

Insurance rates may rise due to the increased risk that the policyholder poses to the insurer after a traffic offense. The following companies provide SR-22 auto insurance in Iowa at competitive prices, with average annual rates ranging from $160 to $690.

Violating specific traffic regulations may necessitate the submission of an SR-22, which functions as proof of financial responsibility. SR-22 requirements are prevalent nationwide, though with potential state-specific variations. The following are some common reasons why you might need to submit an SR-22 form:

• DUI, DWI or other severe driving violations
• Multiple driving offenses in a short period of time
• Driving without insurance
• Getting into an accident without adequate insurance
• Restoring a suspended or revoked license

To maintain your eligibility to drive in Iowa, your SR-22 must be on file for at least two years. Despite this, the period might be increased depending on the severity of the violation and the number of convictions.

According to state law, your auto insurer in Iowa is required to submit an SR-22 form on your behalf to the DMV. MoneyGeek offers further details about car insurance with an SR-22.

The companies offering the cheapest SR-22 non-owner car insurance in Iowa are:

• State Farm: $211 per year
• Travelers: $397 per year

In Iowa, USAA is a highly affordable option for those with military affiliations, offering an average annual premium of $257.

If a non-owner driver's license was suspended or revoked after a significant traffic offense, they may be required to submit an SR-22. They may restore their driving privileges lawfully by obtaining non-owner auto insurance.

The table below displays the range of annual premiums for the cheapest SR-22 insurance policies available to drivers who do not own their own cars.

On average, drivers with DUIs in Iowa can expect to pay $1,336 for full coverage and $445 for minimum coverage when getting an SR-22 insurance policy. The submission of this document may also be required for relatively minor offenses, such as speeding or being found at fault in an accident. Because of this, you will be considered a high-risk driver. As a result, your auto insurance premiums will be higher than they would be for a driver with a clean record.

Iowa residents who are required to file an SR-22 face an average annual insurance cost increase of $192. The severity of the violation, coverage level and driving record can also influence insurance premiums.

An SR-22 may be required for various reasons, including driving without sufficient insurance, non-payment of court-ordered child support, getting a hardship license, being convicted of DWI/DUI or having a record of multiple traffic violations.

In Iowa, getting an SR-22 after a severe traffic infraction might have consequences beyond just higher premiums. The probable consequences of failing to file this document are described below.

If you have committed a traffic violation in Iowa and wish to purchase auto insurance, you will typically need to follow these steps:

• Search for an insurance provider that offers coverage to drivers with tickets or violations on their records.
• Buy a liability insurance policy that meets the minimum requirements set by the state.
• To demonstrate your financial responsibility, ask your insurance provider to fill out and submit an SR-22 form on your behalf.
• Maintain the SR-22 for the mandated time frame and make sure all payments are paid on time.

By showing the relevant authorities that you are making an effort to improve your driving record and are insured, you may be able to reduce your premium costs in the future.

Due to the heightened risk, you pose to the insurer after a DUI conviction, getting SR-22 auto insurance may be expensive. Participating in programs that educate about the consequences of driving under the influence can reduce insurance costs over time. Regardless of the cost, every driver needs auto insurance to protect themselves and others.

MoneyGeek answered a few frequently asked questions about SR-22 insurance in Iowa.