Lilah Butler, Car Insurance Writer
@lilah_c
You can get non-owner SR-22 insurance in Iowa by purchasing a non-owner car insurance policy and asking your insurer to file an SR-22 on your behalf. Non-owner SR-22 insurance costs at least $200-$500 per year, plus a one-time filing fee of $15-$25 for the SR-22 itself. The policy will allow you to fulfill your SR-22 requirement in Iowa and maintain auto insurance coverage if you do not have regular access to a car.
Key Things to Know About Non-Owner SR-22 Insurance in Iowa
- In Iowa, your non-owner car insurance policy will need to include at least $20,000 in bodily injury liability insurance per person ($40,000 per accident) plus $15,000 in property damage liability insurance.
- Most insurers in Iowa will not sell you a non-owner policy if another member of your household has a car, even if it's not registered in your name.
- Drivers are often required to file an SR-22 after a conviction for a serious offense such as DUI or if they have a history of moving violations.
To be clear, an SR-22 is not actually a type of insurance. Instead, it's a form that an insurance company files with the state to prove that a driver has enough insurance to drive legally. To find the best non-owner SR-22 policy in Iowa, you should get quotes from at least three insurance companies in order to compare prices.
For more information, check out WalletHub's complete guide on non-owner SR-22 insurance.
People also ask
How long do you need an SR-22 in Iowa?
You need an SR-22 in Iowa for 2 years, meaning you must also maintain at least the minimum car insurance coverage required by Iowa law for 2 years. Failure to have an SR-22 for 2 years can result in additional penalties and reinstatement fees.
Iowa SR-22 Insurance Requirements
- $20,000 in bodily injury liability insurance per person ($40,000 per accident)
- $15,000 in property damage liability coverage
When you get...
read full answer by Delaney Simchuk, Car Insurance WriterHow does non-owner car insurance work in Iowa?
Non-owner car insurance provides Iowa's minimum car insurance coverage for people who don't own a car but drive often. In Iowa, non-owner insurance can pay for injuries and property damage that you cause others, but it won't pay for damage to the borrowed car or your medical expenses. A non-owner policy can also satisfy an SR-22 requirement if you need to get insurance to get your license reinstated and don't own a car.
Non-Owner...
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