When you need Iowa SR22 insurance, trust UltraCar Insurance for affordable coverage. 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 auto liability coverage
- $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.
How does it work?
SR22 is liability insurance issued as 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 that the driver carries the required minimum liability insurance coverage for a specific time. Drivers with high-risk auto insurance must carry it for 3 to 5 years. During this time, the insurance company that issued the policy monitors it closely. If it lapses, the insurance company submits an SR26 filing to 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.
Iowa DMV
You’ll find more information about license suspensions and revocations 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 click the button to start an online quote!
