High-risk drivers typically pay more for auto insurance coverage than those without moving violations on their driving records. Shopping around for the best combination of price and coverage is crucial.
Elliott Harman Agency in Waterloo, Iowa, specializes in providing appropriate auto insurance for high-risk Iowa drivers. Whether you’re dealing with a suspended license or need to file an SR-22, we’re here to help.
What Are the SR-22 Requirements in Iowa? 
Many high-risk drivers must file SR-22 to prove their auto insurance meets the state’s minimum limits. This certificate proves that you carry the minimum liability coverage required by the state.
This document is filed with the state to reinstate your driver’s license following offenses such as driving without insurance, multiple moving violations, accidents resulting in serious injuries or death, OWI convictions or hit-and-run convictions.
Iowa’s auto insurance requirements include minimum amounts of property damage and bodily injury liability coverage. Typically, an SR-22 is required for two years from the date of conviction, but this can vary. Failure to maintain this coverage can result in further license revocation.
Do I Need an SR-22 Form in Iowa?
Not all Iowa drivers are considered high risk, nor are they required to file SR-22.
If your driver’s license is suspended or revoked in Iowa, obtaining an SR-22 certificate is likely required to drive legally again. You will receive notice from a judge or the Department of Motor Vehicles (DMV) if you must file SR-22. Failure to do so by the deadline may prevent you from being eligible for timely license reinstatement.
How Do I Apply for an SR-22 Form in Iowa?
If you are classified as a high-risk driver and must file an SR-22 form, you must purchase liability coverage that meets or exceeds Iowa’s state requirements.
Working with an experienced independent insurance agent to find suitable coverage is essential. Not all insurance companies provide policies for high-risk drivers needing an SR-22.
Your agent can help you understand the costs of filing an SR-22. There is typically a filing fee payable to the insurer. After the fee is paid, your insurance company will file the SR-22 with the DMV. You’ll receive confirmation once it’s accepted.
Contact Us
At Elliott Harman Agency, we understand the unique challenges you face and are dedicated to helping you find the right coverage. Contact us today for help finding a reputable insurer that provides coverage for high-risk drivers.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.