When you need Iowa SR22 insurance, trust UltraCar Insurance to offer you the best policies at the most affordable rates in the industry. You’ll experience quick quotes and SR22 filing whether you need an owner or non owner Iowa SR22 insurance filing. We can have your SR22 filing completed and filed within 20 minutes or less, so you can have your license reinstated and get back on the road.
What is Iowa SR22 Insurance?
Iowa SR22 insurance is legally required for drivers who are considered high risk. High risk drivers are those who have had their license suspended or revoked for reasons such as driving without proper insurance, a DUI or too many traffic tickets. There are other situations that can result in the suspension or revocation of a driver’s license, such as a child support case or legal judgment. Whatever the reason for suspension or revocation, the driver will need to purchase Iowa SR22 insurance to have their license reinstated.
Iowa SR22 insurance is liability insurance in the form of a financial responsibility certificate. The insurance company submits an SR22 filing on behalf of a driver to the Iowa Department of Motor Vehicles. The certificate is a guarantee to the state that the driver carries the minimum liability insurance coverage required. Typically, drivers who are required to carry Iowa SR22 insurance will have to do so for three to five years. During this period, the policy is monitored closely by the insurance provider. If the policy is allowed to lapse or is terminated, the insurance provider will complete an SR26 filing with the Iowa DMV, resulting in repeat suspension of the driver’s license. There are two types of Iowa SR22 insurance: owner and non owner.
When you have a driver’s license that has been suspended but do not own a vehicle, you will need to file a non owner Iowa SR22 insurance certificate. Non owner SR22 insurance is secondary liability insurance that covers vehicles that you may drive on occasion, 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 Iowa SR22 insurance policy covers any additional claim amounts beyond that. See our Non Owner SR22 Insurance Iowa page for more information.
Iowa minimum liability insurance coverage 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
More Information can be found at the Iowa DMV Website.
UltraCar Insurance in Iowa
Let UltraCar Insurance go to work for you, and experience the best in Iowa SR22 insurance service. Submit your inquiry using our secure online form, or give us a call today!