Iowa SR-22 & High-Risk Auto Insurance After DUI
Iowa requires 20/40/15 liability coverage and is an at-fault state.
Compare Rates After a 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/OWI, driving without insurance, license suspensions for serious violations, or at-fault accidents while uninsured. SR-22 is not insurance—it's a certificate your insurer files proving you carry at least state minimums. Most high-risk drivers in Iowa face SR-22 requirements for 2 years from the date of violation or reinstatement.
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
- Location—Des Moines and Cedar Rapids have higher high-risk rates due to accident frequency and uninsured driver rates
- Coverage level—liability-only with SR-22 costs roughly half of full coverage for the same driver profile
Shop Again Before Your Next Renewal Hits
Compare Rates After a ViolationCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving you meet Iowa's minimum liability requirements. Required for DUI, uninsured driving, and serious violations. Filing costs $15–$50, but premiums increase 80–150%.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers—DUI, multiple violations, lapses, or SR-22 requirements. Rates start higher but drop significantly after 12–24 months of clean driving.
Liability Insurance
Covers injury and property damage you cause to others. Iowa requires 20/40/15, but a serious accident can exceed $100,000 in medical costs—state minimums leave you personally liable.
Full Coverage
Liability, comprehensive, and collision combined. Required for financed or leased vehicles. Protects your car and assets, but costs 2–3x more than liability-only for high-risk drivers.
Uninsured/Underinsured Motorist Coverage
Covers your medical bills and vehicle damage when hit by a driver with no insurance or insufficient limits. Optional in Iowa, but 14% of drivers are uninsured.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused it. Required by lenders, optional if you own your car outright.