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Drivers need SR-22 insurance in Iowa after being convicted of a serious traffic violation, such as reckless driving or DUI. These drivers are considered "high risk" and are required to file an SR-22 certificate with the state to prove they have at least the minimum amount of car insurance required by Iowa law. Drivers in Iowa must maintain their SR-22 filing for 2 years.
Your first speeding ticket won't necessarily guarantee that you need an SR-22. Iowa only requires an SR-22 for specific traffic offenses, or accidents that cost more than a certain dollar amount.
Drivers in Iowa Need SR-22 Insurance After:
- Driving without insurance
- DUI or DWI conviction
- Reckless driving
- Refusing a breathalyzer
- Repeated traffic violations
- At-fault accident causing injuries or death
Since each of these violations is serious, insurance companies consider drivers who need an SR-22 to be high-risk customers. That means if you are required to buy SR-22 coverage, insurance companies will charge you more in premiums to offset what they see as the added risk of covering you.
People also ask
How do I get my SR-22 removed in Iowa?
You can get your SR-22 removed in Iowa after 2 years by notifying your insurance company, which will cancel the SR-22 filing with the state. Sometimes, the Motor Vehicle Division (MVD) will send you a notice letting you know when your SR-22 period is over.
If you’re not sure whether you’ve satisfied your SR-22 certification requirement, you can find out when you’ll be able to remove the high-risk SR-22 label from your driving record...
read full answer by WalletHub, Financial CompanyHow 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 WriterDo I need an SR-22?
You need an SR-22 if a judge or your state department of motor vehicles has informed you that you do. An SR-22 form, also called a Certificate of Financial Responsibility, may be required if you are trying to reinstate or maintain your license after being convicted of certain driving violations. These include DUI/DWIs, reckless driving, driving without a license or insurance, or repeat offenses. You can only get an SR-22 form from your car insurance...
read full answer by Merrill Burchell, Car Insurance WriterDid we answer your question?
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