Iowa SR-22 Insurance After a DUI or Violation
Iowa requires 20/40/15 liability coverage and is an at-fault state.
Find Coverage After a Traffic ViolationIowa 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
The Iowa Department of Transportation Motor Vehicle Division requires SR-22 filing for drivers convicted of DUI, multiple moving violations, at-fault accidents without insurance, or license suspensions. SR-22 filing demonstrates continuous coverage and must be maintained for the full 2-year requirement period without lapse.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Full Coverage
Uninsured/Underinsured Motorist Coverage
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
What Affects Your Rate
- Type of violation: DUI/OWI increases rates more than speeding or minor violations
- Time since violation: rates decrease gradually after 3 years for most offenses
- Driving record: multiple violations or accidents compound rate increases
- Age and gender: younger high-risk drivers face steeper surcharges
- Location within Iowa: urban areas like Des Moines and Cedar Rapids have higher base rates due to accident frequency
See Who Will Insure You After a Ticket
Find Coverage After a Traffic ViolationCoverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with Iowa DOT proving continuous liability coverage. Required after DUI, license suspension, or driving without insurance.
Non-Standard Auto Insurance
Coverage from carriers that specialize in high-risk drivers who have been declined by standard insurers due to DUI, violations, or suspensions.
Liability Insurance
Covers injury and property damage you cause to others in an at-fault accident. Iowa minimums are 20/40/15, but many high-risk drivers carry higher limits.
Full Coverage
Combines liability, collision, and comprehensive. Required by lenders and protects your own vehicle in addition to others' property and medical costs.
Uninsured Motorist Coverage
Pays for your medical bills and lost wages if you're hit by a driver without insurance. Iowa does not require it, but approximately 13% of Iowa drivers are uninsured.
DUI/OWI Insurance
Auto insurance for drivers convicted of Operating While Intoxicated in Iowa. Requires SR-22 filing and typically results in premium increases of 80–150% for 3–5 years.