The State of Iowa requires drivers who have had their license suspended (e.g., OWI suspension) to purchase SR22 insurance as a condition of reinstatement. When one purchases SR22 insurance, the insurance company files an SR22 form (also known as a Certificate of Automobile Liability Insurance) with the Iowa Department of Transportation.
If you are trying to get your driver's license reinstated, but you do not own a vehicle, you will need to purchase non-owner SR22 insurance. Your insurance company will then file a non-owner SR22 insurance form for you.
A non-owner SR22 insurance policy is a liability policy that only covers other vehicles and drivers in the event that you are involved in a future accident. It will not cover you or the vehicle you are driving.
If, at the time of your OWI, your bodily alcohol content was higher than 0.10 or if your OWI involved an accident, you will need to install an ignition interlock device (IID) in your vehicle.
If you are in this situation, you will likely need to purchase an owner's SR22 insurance policy to cover the vehicle with the IID.
Iowa requires SR22 insurance for 2 years from the first day of your suspension or revocation. If you fail to maintain your SR22 filing, your driverâ€™s license will be suspended, so it's important to find an SR22 policy that you can live with. You can compare the best rates available for Iowa non-owner SR22 insurance by entering your zip code here and filling out our quote form:
For More Information:
For more information about Iowa non-owner SR22 insurance, talk to your insurance company. You can also call the Iowa DOT Office of Driver Services at 1-800-532-1121.
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