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SR-22 in Iowa: Fees, Minimum Coverage and How Long
The short answer
In Iowa, an SR-22 is a certificate your insurance company files with the Iowa DOT to prove you carry at least the state minimum liability insurance of $20,000 per person and $40,000 per accident for injuries, and $15,000 for property damage (20/40/15). You must keep it in force for 2 years; if the policy is canceled early, the insurer reports it and your license can be suspended again. The state charges no fee for the SR-22 itself; your insurer may charge its own filing fee. The state's reinstatement fees are $20 to $200, depending on the suspension.
At a glance
| Uses SR-22 | Yes |
|---|---|
| Minimum liability | 20/40/15 |
| How long | 2 years |
| State reinstatement fee | $20 to $200 |
| Who files it | Your insurance company |
What else to know in Iowa
Iowa requires the SR-22 for 2 years from the first day of the suspension or revocation. The license reinstatement fee is $20; an OWI revocation adds a $200 civil penalty. Iowa's minimum limits of $20,000 / $40,000 / $15,000 are among the lowest in the country.
Steps
- Get a liability policy of at least 20/40/15 from an insurer licensed in Iowa and tell them you need an SR-22. Not every insurer provides it.
- The insurer files the SR-22 with the Iowa DOT. You cannot file it yourself.
- Pay the state's fees on your suspension notice. The state's reinstatement fees are $20 to $200, depending on the suspension.
- Keep the policy active for 2 years. Before you cancel, confirm with the state that your requirement has ended; canceling early can suspend your license again.
FAQ
How long do I need the SR-22 in Iowa?
2 years, under Iowa's rules (see the sources below).
Does Iowa charge a fee for the SR-22?
No. It is filed by your insurer, which may add its own charge. The state's reinstatement fees are $20 to $200, depending on the suspension.
Can I get an SR-22 without a car?
Yes. Some insurers offer non-owner SR-22 policies for drivers without a vehicle. Coverage depends on the policy; ask the insurer.
What liability limits does Iowa require?
$20,000 per person and $40,000 per accident for injuries, and $15,000 for property damage (20/40/15). Some states also require other coverage, such as personal injury protection or uninsured motorist coverage; check with the state agency.