SR 22 insurance is required for two years following the most recent suspension. Even if the individual forgoes obtaining a  work permit, SR 22 insurance is still required for two years from the date  their license is reinstated. If SR-22  insurance is obtained and filed with the Iowa Department of Transportation,  then the license plate and registration surrender provisions do not apply to  that vehicle. SR 22 insurance must be on  file for each vehicle owned and operated by an individual following a  suspension or conviction for operating while intoxicated.

What is sr 22insurance?

In the event of a license  suspension for operating while intoxicated (OWI), test failure or test refusal, or a  conviction, the Iowa Department of Transportation will require something called  SR 22 insurance. SR 22 is not  necessarily a separate type of insurance however it is a filing that an  insurance company makes with the Department of Transportation verifying that  the individual is covered by a “high risk” insurance policy. They charge for the filing and the insurance  premium goes up based upon the underlying conduct that required the  filing of the insurance.

After an OWI conviction

Like every other type of  insurance, car insurance rates depend upon a number of  factors that  insurance companies use to determine the risk associated with each individual  driver covered by a policy. Factors such  as age, vehicle make and model, driving record and criminal record all play a  part. Obviously an arrest for operating  while intoxicated can have a big impact on car insurance rates.

Ordinarily, an insurance company will  not make an adjustments on a person’s automobile insurance policy until and if they are convicted  of an OWI offense or their driver’s license is suspended.