Iowa SR22 Insurance

When you need Iowa SR22 insurance, trust UltraCar Insurance for the coverage you need at an affordable rate. Whether you need an owner or non-owner filing, you’ll get a fast quote and SR22 filing. We can complete your SR22 filing within 20 minutes or less so you can reinstate your license and get back on the road.

Iowa minimum liability insurance requirements:

• $20,000 bodily injury per accident
• $40,000 bodily injury liability for all injuries in an accident
• $15,000 in property damage in one accident

What is Iowa SR22 Insurance?

The state requires high-risk drivers to carry SR22 insurance. High-risk drivers are those who have had license suspensions or revocations for driving without proper insurance, a DUI, too many traffic tickets, etc. Other situations can result in the suspension or revocation of a driver’s license, such as a child support case or legal judgment. Whatever the reason, the driver must purchase Iowa SR22 insurance to have their license reinstated.

SR22 is liability insurance in the form of a financial responsibility certificate. The insurance company submits the SR22 certificate on the driver’s behalf to the Iowa Department of Motor Vehicles. The certificate guarantees the state that the driver carries the required minimum liability insurance coverage for a specific time. Drivers carrying high-risk auto insurance must do so for three to five years. During this time, the insurance company monitors the policy closely. If it lapses, the insurance company submits an SR26 filing with the Iowa DOT, resulting in another license suspension.

There are two types of SR22 insurance: Owner and Non-Owner. You must file a non-owner certificate when you don’t own a vehicle. Non-owner SR22 is secondary liability insurance covering vehicles you may occasionally drive but do not own. In the event of an accident in which you are at fault, the vehicle owner’s primary insurance pays accident claims up to its coverage limits, and the non-owner policy covers any additional claim amounts beyond that. See our Non Owner SR22 Insurance Iowa page for more information.

Broad Form Insurance in Iowa

In Iowa, there is another auto insurance option called broad-form insurance. It’s a basic liability policy that meets the state’s minimum liability requirements. It’s likely the cheapest type of SR22 policy you can get – but it offers very narrow coverage. A licensed insurance provider can write a Broad Form Vehicle Insurance policy that covers you when driving all vehicles you own at no additional cost. You can also get broad-form insurance as a non-owner policy. It fulfills SR22 insurance requirements for license reinstatement by adding the certificate as a rider (see What is Broad Form SR22 Insurance?). The links above have helpful information about this type of insurance. Because the coverage is so limited, we advise talking with one of our agents to determine if a broad-form policy is a good choice for you.

Iowa DMV

You’ll find more information about Iowa motor vehicle regulations related to license suspension on the Iowa DOT website.

UltraCar Insurance in Iowa

Let UltraCar Insurance go to work for you and experience the best in Iowa SR22 insurance service. Call us today or start an online quote now!