How It Works
Enter your ZIP code and tell us about your suspension type
Get matched with carriers who write policies for suspended license drivers in your state
Choose your coverage and your insurer files any required SR-22 directly with your state DMV
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
SR-22 Insurance
Iowa requires SR-22 filing for DUI convictions, multiple at-fault accidents, and driving without insurance. The filing remains active for 2 years from the reinstatement date.
Non-Owner SR-22
Non-owner policies provide liability coverage and SR-22 filing without requiring vehicle ownership. Monthly premiums typically range $30-$60 for minimum Iowa limits.
Liability Insurance
Iowa's minimum liability limits are $20,000 per person and $40,000 per accident for bodily injury, plus $15,000 for property damage. These minimums satisfy reinstatement requirements for suspensions not requiring SR-22.
Uninsured Motorist Coverage
Iowa does not mandate uninsured motorist coverage, but carriers must offer it. Approximately 13% of Iowa drivers are uninsured.
Non-Standard Auto Insurance
Non-standard carriers specialize in high-risk drivers and often accept SR-22 filings when standard carriers decline. Premiums run 40-90% higher than standard rates.
