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Iowa Non-Owner SR-22 Insurance

When your driver’s license has been suspended or revoked and you want to get it reinstated, you need to prove you carry auto insurance with the minimum liability. If you are an Iowa resident who doesn’t own a car, that means turning in a non-owner SR-22 insurance form to the state Department of Motor Vehicles.

Select Insurance Group can help you get an insurance policy that includes the proper coverage. Your insurance provider will send the SR-22 to the state, allowing you to get back on the road with confidence.

What Is Non-Owner SR-22 Insurance?

SR-22 insurance refers to a form, not an actual insurance policy. It states that you have the minimum liability insurance required under Iowa law, which requires all high-risk drivers to file the certificate.

The high-risk category usually includes drivers who have:

  • Been convicted of driving under the influence.
  • Driven with a revoked or suspended license.
  • Incurred a reckless driving citation.

Who Needs Non-Owner SR-22 Insurance in Iowa?

Non-owner insurance refers to the coverage you get if you don’t own a vehicle but still drive. For example, it may include drivers who rent or borrow a car to go on a trip. It doesn’t include drivers who frequently use a vehicle owned by someone else in their household.

Usually, non-owner SR-22 insurance is cheaper than your policy would be if you owned a car. Vehicle owners need insurance that covers their cars in the event of an accident, which comes at a higher cost than minimum liability insurance for non-owners.

How Can You Get a Non-Owner SR-22 Form?

When you get auto insurance as a high-risk driver who does not own a vehicle, your provider will send the SR-22 to the state on your behalf. You just need to get insurance. Keep in mind that you can’t let your auto insurance lapse for even a few hours. The provider must notify Iowa in the case of any lapse, and your SR-22 will become null.

Iowa Non-Owner Auto Insurance Coverage Requirements

In Iowa, the state minimum liability coverage levels are:

  • $20,000 for bodily injury for each person.
  • $40,000 for bodily injury for each accident.
  • $15,000 for injury to or destruction of property in an accident.

How Much Does Non-Owner SR-22 Insurance Cost?

The cost of non-owner SR-22 insurance varies based on many factors, including your driving history. You can often find rates as low as $25 monthly. When you use Select Insurance Group, we can often find quotes for even less. The amount you pay for the SR-22 form comes in addition to your regular auto insurance costs.

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Contact Our Licensed Insurance Agents

Our licensed SR-22 insurance agents are here to answer all your questions and take your application over the phone. Call us at (855) 438-7353.

Find Iowa Non-Owner Insurance Quotes

Get your SR-22 form on file with the Iowa Department of Transportation as quickly as possible. Select Insurance Group can connect you to insurance providers that offer the best prices for high-risk drivers who need non-owner SR-22 insurance forms. It takes just a few minutes to fill out our forms and get quotes from multiple carriers. Call us today at (855) 438-7353 or fill out our online form to get started.

*The information provided on this website has been developed by Select Insurance Group for educational and informational purposes. We do our best to ensure that this information is current and accurate, however the information might not be applicable to all situations. Coverage and rates subject to terms, conditions and availability. Policy issuance is subject to qualifications.