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Iowa SR22 Insurance

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Iowa SR22 Insurance

SR22 Insurance Overview

What is Iowa SR22 Insurance?

An Iowa SR22 car insurance form, or a financial responsibility insurance certificate, is a document that serves as proof of your financial responsibility to carry the minimum amount of car insurance required by law.

Who Needs Iowa SR22 Insurance?

In Iowa, SR-22 car insurance must be carried by drivers who have had their drivers’ licenses revoked/suspended due to driving or being in accident while uninsured and failing to pay compensatory damages; drivers with unsatisfied judgments; drivers whose licenses were revoked for other reasons; drivers with DUI convictions on their driving record; and drivers convicted of six or more moving violations or who have accumulated six or more demerits within a two-year period.

Are There Different Types of Iowa SR22 Forms?

Motorists can file one of three types of Iowa SR22 auto insurance forms. An Operator’s Certificate covers financial responsibility for motorists who operate but do not own a vehicle. An Owner’s Certificate covers financial responsibility for drivers who own and operate a vehicle. An Operator’s-Owner’s Certificate covers financial responsibility for vehicles a motorist owns or does not own.

Is SR22 Car Insurance Required in Iowa?

Drivers in the state of Iowa must carry at least liability insurance or file a SR22 form with the Iowa Department of Transportation. Failure to file an Iowa SR-22 auto insurance form results in a $500 fine and suspension of your license and registration if you are ever stopped by an officer during an accident or routine traffic stop. Reinstatement of your registration and license may require payment of a fee.

How Do I File an IA SR22 Insurance Form?

Your auto insurer, upon your request, files an Iowa SR-22 car insurance form with the Office of Driver Services of the Iowa Department of Transportation. You may be charged a processing fee. You can go online here to request a quote from state-authorized agencies in your area. Once you receive your Iowa SR-22, you must maintain it for two years. If you fail to renew your Iowa SR22 car insurance before it lapses, your insurer is required by law to notify the state of Iowa and your drivers’ license will be suspended.