Iowa SR-22 Insurance & High-Risk Auto Coverage
Iowa requires 20/40/15 liability coverage and is an at-fault state.
Get Quotes Based on Your RecordIowa at a Glance
20/40/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
No
A defensive driving course does not remove points here
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Iowa
Drivers convicted of DUI, driving without insurance, or accumulating excessive violations typically must file SR-22 proof of financial responsibility with the Iowa Department of Transportation. SR-22 filing requirements typically last 2 years from the date of reinstatement, and any lapse in coverage restarts the clock. The state minimum does not include collision or comprehensive coverage, which lenders may require if you carry a loan.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
What Drivers Pay in Iowa
$229–$296/mo
Typical monthly rate in Iowa, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
Get a Rate That Matches Your Record Today
Get Quotes Based on Your RecordCoverage Types
Liability Insurance
Pays for injuries and property damage you cause to others. Iowa's 20/40/15 minimum may not cover serious accidents, leaving you personally liable for the difference.
SR-22 Insurance
Certificate proving you carry Iowa's minimum liability coverage, filed directly with the Iowa Department of Transportation by your insurer. Required after DUI, suspension, or uninsured driving.
Non-Standard Auto Insurance
Coverage designed for drivers with DUIs, suspensions, or lapses who cannot obtain policies from standard carriers. Non-standard insurers accept higher risk but charge 50–200% above typical market rates.
Uninsured Motorist Coverage
Covers your medical bills and lost wages if you're hit by a driver with no insurance. Iowa does not require this coverage, but insurers must offer it and allow you to reject it in writing.
Full Coverage
Liability plus comprehensive and collision, covering damage to your vehicle regardless of fault. Lenders require full coverage for financed or leased vehicles.
Collision Coverage
Pays for damage to your vehicle after an accident, regardless of who was at fault. Deductibles typically range from $500 to $1,000, and you pay this amount before the insurer covers the rest.