Iowa SR-22 Insurance
In Iowa, you may need SR-22 insurance if you've had a serious traffic violation, such as a DUI, to demonstrate financial responsibility and reinstate your driving privileges.
Reinstate Your Driving Privileges with an SR‑22 in Iowa
If you've been convicted of Operating While Intoxicated (OWI) in Iowa, your driver's license will likely be suspended or revoked. To regain your driving privileges, you must provide proof of financial responsibility to the Iowa Department of Transportation (Iowa DOT)). This is done by filing an SR-22 form, which verifies that you carry the state's required minimum liability insurance coverage.
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Maintaining Your SR‑22 in Iowa
The SR-22 must be maintained and on file with the Iowa DOT typically from one to two years. If you cancel or fail to renew your insurance during this period, you could face severe consequences, including further revocation of your driving privileges.
SR-22 Coverage Limits in Iowa
- $20,000 for bodily injury or death of one person
- $40,000 for bodily injury or death of two or more persons
- $15,000 for property damage
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Iowa OWI Conviction
If you are convicted of Operating While Intoxicated in Iowa, you can face a number of consequences including jail time, high fines, an alcohol education program requirement, and a license suspension
On a first offense where a chemical test indicates that your blood alcohol concentration was .08 or more or there was the presence of a controlled substance, you will face a license revocation of 180 days. To be eligible for a temporary restricted license, you must install an ignition interlock device on all vehicles you own or operate.
Iowa Ignition Interlock Device Requirements
Nearly every state now has IID requirements following an arrest or conviction for operating a vehicle while intoxicated. In Iowa, if you are over the age of 21 and have your license suspended due to a first offense OWI, you may apply for a temporary restricted license after the installation of an IID. The IID must be installed for 180 days, the duration of your period of revocation. For a second offense, you must install an IID for one year to apply for a temporary restricted license. Also, all drivers with whose licenses are suspended due to an OWI will have to file an SR22 before receiving their temporary restricted license.
Penalties for OWI Conviction
First Offense
Jail Time: 48 hours to 1 year
Fine(s): $625 - $1,250
Driver's License Suspension: 180 days to 1 year
Second Offense
Jail Time: 7 days to 2 years
Fine(s): $1,875 - $6,250
Driver's License Suspension: 1 to 2 years
Third Offense
Jail Time: 30 days to 5 years
Fine(s): $3,125 - $9,375
Driver's License Suspension: 6 years
FAQs About SR-22 in Iowa
An SR-22 is not actually insurance, but a certificate filed by your insurance company with the Iowa Department of Transportation (Iowa DOT) that proves you carry the state's required minimum auto insurance. It's typically required after an OWI conviction or other serious traffic violations to reinstate your driving privileges.
In Iowa, if you are convicted of a first-time OWI, you are required to install an ignition interlock device (IID) in your vehicle for a minimum of 180 days. For a second offense, the IID must be installed for one year. This device must be maintained for the entirety of the specified period to comply with reinstatement conditions.
Yes, you can apply for a temporary restricted license in Iowa if your license has been suspended due to an OWI. To be eligible, you must file an SR-22 and, depending on the specifics of your offense, you may also be required to install an IID in your vehicle. This allows you to drive under certain conditions while your regular license is suspended.
Ready to Get Back on the Road?
If your license has been suspended or revoked due to an OWI, contact Breathe Easy Insurance. Our knowledgeable licensed agents are here to help you navigate the process of reinstating your driving privileges efficiently and effectively. We offer affordable SR-22 insurance options tailored to meet your needs. Call us today at 844-580-7525 for more information and support during this challenging time.
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