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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.

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2023

Cheapest Companies for SR-22 Car Insurance in Iowa

Cheapest Companies for SR-22 Car Insurance in Iowa

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

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

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.

Company
Annual Premium
Monthly Premium

State Farm

$136

$11

State Farm

$144

$12

State Farm

$151

$13

State Farm

$151

$13

State Farm

$160

$13

State Farm

$160

$13

Progressive

$163

$14

State Farm

$166

$14

State Farm

$175

$15

State Farm

$176

$15

West Bend Mutual

$182

$15

Auto-Owners Insurance Co

$182

$15

Progressive

$182

$15

Westfield

$183

$15

Auto-Owners Insurance Co

$188

$16

Progressive

$191

$16

State Farm

$195

$16

State Farm

$195

$16

West Bend Mutual

$196

$16

Iowa Farm Bureau

$203

$17

Westfield

$204

$17

Progressive

$207

$17

State Farm

$214

$18

Westfield

$217

$18

Westfield

$222

$18

West Bend Mutual

$226

$19

Iowa Farm Bureau

$227

$19

Western National

$227

$19

Western National

$227

$19

Western National

$227

$19

Western National

$227

$19

Western National

$232

$19

Progressive

$235

$20

Progressive

$235

$20

West Bend Mutual

$236

$20

Western National

$236

$20

Western National

$236

$20

Western National

$236

$20

Westfield

$244

$20

Iowa Farm Bureau

$246

$21

Progressive

$247

$21

West Bend Mutual

$255

$21

Grinnell Mutual

$255

$21

Grinnell Mutual

$255

$21

Grinnell Mutual

$255

$21

Auto-Owners Insurance Co

$255

$21

Iowa Farm Bureau

$257

$21

Westfield

$261

$22

Auto-Owners Insurance Co

$264

$22

GEICO

$267

$22

Auto-Owners Insurance Co

$269

$22

Iowa Farm Bureau

$275

$23

Progressive

$277

$23

Grange Insurance

$278

$23

American Family

$280

$23

American Family

$280

$23

Grange Insurance

$287

$24

IMT Insurance Company

$288

$24

Grinnell Mutual

$289

$24

American Family

$291

$24

American Family

$291

$24

West Bend Mutual

$294

$24

IMT Insurance Company

$296

$25

Grinnell Mutual

$300

$25

Grinnell Mutual

$300

$25

Westfield

$302

$25

Progressive

$307

$26

GEICO

$308

$26

Iowa Farm Bureau

$311

$26

West Bend Mutual

$316

$26

Grange Insurance

$317

$26

American Family

$317

$26

American Family

$317

$26

Westfield

$322

$27

Travelers

$324

$27

Iowa Farm Bureau

$325

$27

American Family

$326

$27

American Family

$326

$27

Farmers

$328

$27

Progressive

$330

$27

GEICO

$333

$28

IMT Insurance Company

$334

$28

Westfield

$335

$28

American Family

$337

$28

American Family

$337

$28

Farmers

$339

$28

IMT Insurance Company

$340

$28

Progressive

$341

$28

West Bend Mutual

$341

$28

Travelers

$346

$29

GEICO

$348

$29

West Bend Mutual

$352

$29

GEICO

$362

$30

American Family

$363

$30

American Family

$363

$30

Iowa Farm Bureau

$365

$30

Travelers

$370

$31

Auto-Owners Insurance Co

$376

$31

Grinnell Mutual

$381

$32

Grinnell Mutual

$381

$32

Grinnell Mutual

$381

$32

Western National

$383

$32

Western National

$383

$32

Western National

$383

$32

Western National

$383

$32

Auto-Owners Insurance Co

$392

$33

West Bend Mutual

$394

$33

Progressive

$395

$33

GEICO

$398

$33

Allstate

$403

$34

Auto-Owners Insurance Co

$405

$34

Farmers

$406

$34

Farmers

$406

$34

Allstate

$408

$34

Iowa Farm Bureau

$412

$34

IMT Insurance Company

$419

$35

Iowa Farm Bureau

$422

$35

West Bend Mutual

$426

$35

IMT Insurance Company

$427

$36

Grange Insurance

$428

$36

Grange Insurance

$428

$36

Grange Insurance

$430

$36

Travelers

$430

$36

IMT Insurance Company

$431

$36

Grange Insurance

$439

$37

Allstate

$440

$37

State Farm

$448

$37

Allstate

$448

$37

Farmers

$450

$37

Travelers

$453

$38

Travelers

$454

$38

Allstate

$466

$39

Farmers

$470

$39

Grange Insurance

$471

$39

Iowa Farm Bureau

$473

$39

Travelers

$480

$40

Farmers

$480

$40

State Farm

$482

$40

State Farm

$482

$40

GEICO

$487

$41

Travelers

$489

$41

Grange Insurance

$492

$41

IMT Insurance Company

$493

$41

Grange Insurance

$495

$41

Farmers

$496

$41

IMT Insurance Company

$498

$41

IMT Insurance Company

$502

$42

Travelers

$504

$42

GEICO

$507

$42

Allstate

$507

$42

Allstate

$508

$42

State Farm

$509

$42

Allstate

$509

$42

Grange Insurance

$511

$43

GEICO

$516

$43

State Farm

$517

$43

Travelers

$518

$43

Allstate

$519

$43

Allstate

$520

$43

Farmers

$521

$43

Travelers

$531

$44

Iowa Farm Bureau

$534

$44

Farmers

$542

$45

Grange Insurance

$543

$45

West Bend Mutual

$544

$45

West Bend Mutual

$545

$45

Farmers

$545

$45

State Farm

$547

$46

State Farm

$547

$46

West Bend Mutual

$563

$47

Westfield

$571

$48

Farmers

$573

$48

Travelers

$574

$48

GEICO

$574

$48

Auto-Owners Insurance Co

$578

$48

State Farm

$584

$49

Grinnell Mutual

$585

$49

Westfield

$590

$49

Auto-Owners Insurance Co

$593

$49

Allstate

$596

$50

Allstate

$597

$50

GEICO

$599

$50

Westfield

$604

$50

Auto-Owners Insurance Co

$612

$51

Auto-Owners Insurance Co

$613

$51

GEICO

$624

$52

IMT Insurance Company

$630

$52

American Family

$638

$53

American Family

$638

$53

State Farm

$639

$53

West Bend Mutual

$652

$54

Westfield

$667

$56

Allstate

$683

$57

Auto-Owners Insurance Co

$687

$57

State Farm

$688

$57

State Farm

$688

$57

Grinnell Mutual

$690

$57

Iowa Farm Bureau

$691

$58

Progressive

$705

$59

West Bend Mutual

$707

$59

West Bend Mutual

$708

$59

Allstate

$712

$59

Westfield

$715

$60

American Family

$721

$60

American Family

$721

$60

State Farm

$737

$61

GEICO

$738

$62

IMT Insurance Company

$743

$62

Travelers

$745

$62

GEICO

$745

$62

Allstate

$749

$62

American Family

$752

$63

American Family

$752

$63

American Family

$753

$63

American Family

$753

$63

IMT Insurance Company

$758

$63

Progressive

$763

$64

Farmers

$785

$65

Travelers

$796

$66

Allstate

$796

$66

Westfield

$800

$67

Iowa Farm Bureau

$807

$67

IMT Insurance Company

$810

$68

Grange Insurance

$816

$68

Auto-Owners Insurance Co

$828

$69

Progressive

$832

$69

Iowa Farm Bureau

$838

$70

West Bend Mutual

$846

$70

American Family

$846

$71

American Family

$846

$71

Farmers

$863

$72

Westfield

$863

$72

IMT Insurance Company

$867

$72

Auto-Owners Insurance Co

$873

$73

Grinnell Mutual

$875

$73

American Family

$880

$73

American Family

$880

$73

Grange Insurance

$883

$74

Progressive

$890

$74

Allstate

$893

$74

Allstate

$897

$75

Allstate

$902

$75

Grinnell Mutual

$906

$76

Grinnell Mutual

$906

$76

Grinnell Mutual

$906

$76

Auto-Owners Insurance Co

$909

$76

Westfield

$917

$76

Iowa Farm Bureau

$918

$76

IMT Insurance Company

$934

$78

Progressive

$937

$78

Auto-Owners Insurance Co

$938

$78

Travelers

$938

$78

GEICO

$943

$79

West Bend Mutual

$947

$79

Allstate

$947

$79

West Bend Mutual

$949

$79

Westfield

$953

$79

Allstate

$960

$80

Iowa Farm Bureau

$979

$82

GEICO

$981

$82

Allstate

$990

$83

GEICO

$1,003

$84

Westfield

$1,006

$84

IMT Insurance Company

$1,014

$85

IMT Insurance Company

$1,017

$85

Western National

$1,026

$86

Western National

$1,026

$86

Western National

$1,026

$86

Western National

$1,026

$86

West Bend Mutual

$1,026

$86

Progressive

$1,034

$86

Farmers

$1,036

$86

Grange Insurance

$1,042

$87

Farmers

$1,067

$89

Auto-Owners Insurance Co

$1,068

$89

Travelers

$1,082

$90

IMT Insurance Company

$1,088

$91

Travelers

$1,089

$91

Grinnell Mutual

$1,093

$91

Westfield

$1,100

$92

Farmers

$1,107

$92

Iowa Farm Bureau

$1,108

$92

Iowa Farm Bureau

$1,113

$93

Travelers

$1,125

$94

Progressive

$1,125

$94

Grinnell Mutual

$1,131

$94

Grinnell Mutual

$1,131

$94

West Bend Mutual

$1,133

$94

Travelers

$1,137

$95

Farmers

$1,154

$96

IMT Insurance Company

$1,168

$97

Farmers

$1,185

$99

Western National

$1,188

$99

Western National

$1,188

$99

Western National

$1,188

$99

Western National

$1,192

$99

Progressive

$1,193

$99

Progressive

$1,195

$100

Allstate

$1,195

$100

Travelers

$1,196

$100

Grange Insurance

$1,198

$100

Westfield

$1,203

$100

West Bend Mutual

$1,205

$100

Farmers

$1,207

$101

Allstate

$1,211

$101

GEICO

$1,229

$102

Auto-Owners Insurance Co

$1,234

$103

Farmers

$1,239

$103

Travelers

$1,242

$103

Travelers

$1,245

$104

GEICO

$1,262

$105

Travelers

$1,262

$105

Auto-Owners Insurance Co

$1,263

$105

Progressive

$1,276

$106

Farmers

$1,277

$106

Iowa Farm Bureau

$1,294

$108

GEICO

$1,310

$109

IMT Insurance Company

$1,321

$110

Grange Insurance

$1,323

$110

West Bend Mutual

$1,343

$112

Progressive

$1,349

$112

Farmers

$1,356

$113

Grange Insurance

$1,365

$114

Grange Insurance

$1,365

$114

Travelers

$1,372

$114

IMT Insurance Company

$1,387

$116

Grange Insurance

$1,400

$117

Farmers

$1,412

$118

IMT Insurance Company

$1,428

$119

Grange Insurance

$1,430

$119

Iowa Farm Bureau

$1,436

$120

GEICO

$1,447

$121

Iowa Farm Bureau

$1,472

$123

GEICO

$1,488

$124

GEICO

$1,496

$125

Grinnell Mutual

$1,513

$126

Grinnell Mutual

$1,513

$126

Grinnell Mutual

$1,513

$126

Grange Insurance

$1,522

$127

Grange Insurance

$1,596

$133

Westfield

$1,609

$134

Auto-Owners Insurance Co

$1,621

$135

Progressive

$1,633

$136

Westfield

$1,661

$138

Iowa Farm Bureau

$1,677

$140

GEICO

$1,681

$140

Auto-Owners Insurance Co

$1,709

$142

Auto-Owners Insurance Co

$1,747

$146

Grange Insurance

$1,782

$148

IMT Insurance Company

$1,784

$149

Western National

$1,784

$149

Western National

$1,784

$149

Western National

$1,784

$149

Western National

$1,784

$149

Westfield

$1,859

$155

Iowa Farm Bureau

$1,907

$159

Grinnell Mutual

$2,090

$174

Auto-Owners Insurance Co

$2,457

$205

Grinnell Mutual

$2,609

$217

Grinnell Mutual

$3,489

$291

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What Is SR-22 in Iowa?

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.

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MONEYGEEK EXPERT TIP

Once you have met your financial responsibility obligation in Iowa, your insurance provider is responsible for filing a Financial Responsibility Cancellation Form. By submitting this form, you confirm that you have been exempted from maintaining an SR-22 or any other form of financial responsibility proof.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Iowa

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

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.

Company
Annual Premium
Monthly Premium

State Farm

$186

$16

State Farm

$211

$18

GEICO

$253

$21

Progressive

$275

$23

Travelers

$298

$25

Farmers

$365

$30

Travelers

$397

$33

GEICO

$426

$35

Progressive

$495

$41

Farmers

$544

$45

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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner auto insurance offers coverage for third-party property damage and injuries, making it a suitable option for rideshare drivers, rental car drivers and professional drivers who do not own their vehicles. This kind of policy does not cover vehicle damage or bodily injury to the driver or passengers.

Standard car insurance is typically more expensive than non-owner car insurance. To assist you in finding the best offers, MoneyGeek looked into the affordable non-owner auto insurance options in Iowa.

Average Cost of SR-22 Car Insurance in Iowa

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.

Driving Record
Annual Premium
Monthly Premium

Ticket

$895

$75

At-Fault Accident

$1,076

$90

Ticket

$323

$27

Clean

$249

$21

At-Fault Accident

$428

$36

At-Fault Accident

$369

$31

DUI

$459

$38

At-Fault Accident

$1,311

$109

DUI

$539

$45

DUI

$1,336

$111

DUI

$1,240

$103

Clean

$712

$59

DUI

$445

$37

At-Fault Accident

$359

$30

Clean

$314

$26

Ticket

$318

$27

Clean

$791

$66

DUI

$1,642

$137

Ticket

$392

$33

Clean

$250

$21

At-Fault Accident

$998

$83

Ticket

$986

$82

Clean

$1,006

$84

Ticket

$1,227

$102

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MONEYGEEK EXPERT TIP

Iowa residents with an SR-22 policy should regularly compare rates when renewing or on an annual basis to ensure they are getting the most cost-effective option available. To be responsible and economical, you should constantly weigh your alternative options.

How SR-22 Affects Car Insurance Rates in Iowa

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.

Car Insurance Rate Comparison Based on Driving Records in Iowa

carInsurance
Clean Driving Record

Annual Premium for Minimum Coverage

$253
accident2
After a DUI

Annual Premium for Minimum Coverage

$445
Car insurance premiums after a DUI are on average:$192 more

This is 76% more expensive.

Other Effects of SR-22 on Car Insurance in Iowa

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.

1

Limited number of insurance options

Once you submit an SR-22, the majority of insurance providers consider you to be a high-risk driver. There may be fewer insurance companies prepared to insure you than for those with clean driving records.

2

Possible policy cancellation

Your current insurance provider may choose to terminate your policy after you submit an SR-22.

3

Length of required filing

Per Iowa state legislation, individuals who have committed traffic violations are typically obligated to uphold SR-22 coverage for two years.

4

Higher liability coverage limits

In certain states, if you are required to possess an SR-22, you may be obligated to have higher liability limits. This doesn't apply in Iowa, but it's still necessary to have the following liability coverage limits:

  • $20,000 in bodily injury liability per person
  • $40,000 in bodily injury liability per accident
  • $15,000 in property damage liability per accident
5

Filing fees

In some states, submitting an SR-22 incurs a fee, which ranges from $15 to $50.

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How to Get SR-22 Insurance in Iowa

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.

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IOWA LICENSE REINSTATEMENT FEE

The fee for reinstating a license after obtaining an SR-22 in Iowa can vary depending on several factors. Generally, the fee for license reinstatement is $20, but we recommend verifying the current costs with the Iowa Department of Transportation's Office of Vehicle & Motor Carrier Services, as these rates are subject to change.

How to Get Cheaper Car Insurance in Iowa After a DUI

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.

  • find icon

    Compare quotes immediately

    Many options are available for auto insurance, even if you have a DUI conviction. Variations in premiums among insurance companies can be attributed to their distinct formalities. You can discern which one offers the best value by requesting quotes from various companies.

  • car icon

    Complete DUI classes or programs

    You could be required to complete a course or program to address the issues that resulted in your license being revoked if you've been found guilty of DUI and need to renew your license. This will show you're prepared to drive and are serious about avoiding drinking and driving. You may even be eligible for insurance premium discounts if you complete a DUI program.

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    Look for discounts

    Many different companies often offer discounts on auto insurance policies. Taking defensive driving courses, installing vehicle monitoring devices and maintaining a good driving record are a few ways to qualify for lower auto insurance premiums. Get in touch with your insurance company to ask about any available savings.

  • seatbelt icon

    Practice safe driving

    Being a cautious driver after a DUI is one of the simplest ways to receive better insurance prices. The exhibition of safe driving habits can serve as evidence to insurers of one's ethical behavior behind the wheel, which may result in reduced insurance premiums. Follow the rules of the road, drive less often or for shorter routes and prevent more driving mistakes like speeding.

  • calendar icon

    Shop rates over time

    It is advisable to continually look around for more favorable car insurance premiums after an SR-22. Your insurance provider could offer cheaper rates if you become a better driver and maintain a spotless driving record.

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MONEYGEEK EXPERT TIP

Non-standard car insurance is designed for high-risk drivers with an accident record, DUI convictions or who pose additional risks. Although the premiums for non-standard auto insurance are often higher than those for traditional policies, they may be worthwhile for people with nowhere else to turn for coverage.

Frequently Asked Questions About SR-22 Insurance in Iowa

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

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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