Iowa SR-22 Insurance After Filing Ends
Iowa requires 20/40/15 liability coverage and is an at-fault state.
Compare Rates After SR-22Iowa at a Glance
20/40/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$20
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Iowa
Drivers convicted of DUI, major license suspensions, or certain repeat violations must file SR-22 certification with the Iowa Department of Transportation for 2 years. Once the filing period ends, the SR-22 drops but the underlying violation remains on your motor vehicle record for 3–5 years, continuing to affect rates.
Liability Insurance
Uninsured Motorist Coverage
Full Coverage
Comprehensive Coverage
SR-22 Insurance
What Drivers Pay in Iowa
$168–$310/mo
Typical monthly rate in Iowa, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Type of original violation: DUI/OWI convictions carry longer rate impact (4–5 years) than non-alcohol suspensions (3 years)
- Claims filed during SR-22 period: any at-fault accident or comprehensive claim during the filing period extends elevated pricing 1–2 years
- Carrier tier: non-standard carriers like The General or Dairyland may remain cheapest for 1–2 years post-SR22, while standard carriers like State Farm or Nationwide become competitive at the 3-year mark
- Credit-based insurance score: Iowa permits credit scoring for underwriting, meaning rebuilding credit simultaneously with driving record can accelerate rate recovery by 12–18 months
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Temporary Restricted License (TRL)
application fee $20.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Iowa's 20/40/15 minimums are the legal floor, but 50/100/50 or higher is recommended for post-SR22 drivers who face elevated lawsuit risk.
Full Coverage
Liability plus collision and comprehensive, covering damage to your own vehicle from accidents, theft, weather, and animal strikes. Required by lenders and recommended for vehicles worth more than $3,000–$5,000.
Uninsured Motorist Coverage
Pays your medical bills and lost wages if you're hit by a driver with no insurance or insufficient coverage. Iowa requires insurers to offer UM/UIM matching your liability limits unless you reject it in writing.
Comprehensive Coverage
Covers non-collision losses like theft, vandalism, hail, glass damage, and animal strikes. Pays out regardless of fault, minus your deductible.
SR-22 Insurance
SR-22 is a certificate of financial responsibility filed by your insurer with the Iowa DOT, proving you carry at least minimum liability. It's not a separate policy, but an endorsement added to your existing coverage.
Non-Standard Auto Insurance
Coverage written by carriers specializing in high-risk drivers, including those with DUIs, suspensions, SR-22 filings, or multiple at-fault accidents. Often the only option during and immediately after SR-22 periods.