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Iowa SR-22 Car Insurance (With Quotes)

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Charlie Mitchell

By: Charlie Mitchell

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Companies for SR-22 Insurance in Iowa (2022)

For drivers with SR-22 in Iowa, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after an SR-22.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Iowa. The following are the best insurance rates from carriers that offer car insurance for drivers with an SR-22 in Iowa.

CarrierAvg. Monthly Cost
Travelers$119
Dairyland$150
Safeco$180
The General$203
Bristol West$205

How Much Does SR-22 Insurance Cost in Iowa?

What a relief: Iowa is an affordable state for insurance, and violations associated with an SR-22 won't cost you nearly as much as they tend to elsewhere. Drivers with no violations pay about $149 per month on average, and those with SR-22 requirements pay less than 10 percent more: $163. That $14 difference is not bad, considering the violations that warrant SR-22s.

No Violation - Avgerage Monthly Rate
$149
With SR-22 - Average Monthly Rate
$163
$14 ▴
9.40% ▴
Difference in Average Monthly Rate
Percent Change in Average Monthly Rate

Insurify's comparison tool will help you make sure you're getting the best possible quote even after an SR-22. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

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What Is an SR-22, and Who Needs One in Iowa?

Iowans who find themselves convicted of a particularly serious violation or caught driving without insurance will often wind up needing an SR-22 certificate before they can get their license back. The SR-22 is an extra hurdle that can cost some extra time and money, but it's a common one.

To comply with an SR-22 requirement, drivers have to carry a form that proves they are properly insured. The idea is to minimize the number of accidents that involve uninsured drivers. So a court or the DOT will order high-risk drivers to find an insurance company to file their SR-22 form for them (only insurance companies can file the form) before getting back on the road.

How Much Does Credit Score Affect SR-22 Insurance Costs in Iowa?

Whatever your credit, you'll pay between $31 and $38 more for SR-22 insurance than customers in Iowa with similar credit to you. But having excellent credit means you'll probably pay a lower bill, while having poor credit will cost you. If you have average or good credit and an SR-22 requirement, you'll pay around $35 more per month, than you would with no violation: $181.

Credit TierAvg. Monthly Rate - No Violation Avg. Monthly Rate - SR-22 Difference
Excellent$131$162$31
Good$146$181$35
Average$147$183$35
Poor$159$198$38

How to Find the Best SR-22 Insurance Rate in Iowa

Not all companies offer SR-22 insurance, and prices can vary significantly. It's best to rely on Insurify to compare quotes tailored to your situation across the industry. You can do this online in minutes, for free, to make sure you get the best deal.

Non-Owner SR-22 Insurance in Iowa

It can feel silly to pay for expensive insurance if you don't even own a car. If this applies to you, ask insurance companies that offer SR-22 insurance about non-owner insurance, which could save you money if you drive infrequently and borrow cars from people you don't live with.

Alternatives to an SR-22 in Iowa

Iowa drivers with an SR-22 requirement must obtain a certificate that proves that they have at least the minimum required insurance policy in order to drive legally. Luckily, insurance is on the affordable end compared to other states.

How Do I Get SR-22 Insurance in Iowa

Finding the perfect SR-22 insurance can be tricky because some companies jack up rates on what they perceive as high-risk drivers. Use Insurify to scope out all your options by getting a free quote comparison across the important companies in your state. That way, you can find the SR-22 insurance that works best for you.

Frequently Asked Questions

  • The minimum requirement for an SR-22 in Iowa is two years—but it could be longer than that, depending on what the court or the DOT decided when they handed out the requirement, or if you rack up further violations in the interim.

  • If you leave Iowa, you have to keep paying your SR-22 insurance. Contact your insurance carrier for details, but unfortunately, leaving the state won't get rid of your SR-22 requirement.

  • Even if you don't own a car, if you have your license revoked and an SR-22 requirement, you'll have to purchase insurance and obtain the certificate to get your license back. If you drive very rarely, ask the carrier you want to buy from about non-owner insurance.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Charlie Mitchell
Charlie Mitchell
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Content Writer at Insurify

Charlie Mitchell is a journalist, researcher, and copywriter living in Minneapolis. He's contributed to Vox, Mother Jones, The New Republic, and other magazines and websites.

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