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SR22 Motorcycle Insurance in Iowa

If you are a high risk driver, you may need SR22 motorcycle insurance in Iowa. SR22 insurance in Iowa may be required if you have received a ticket for no insurance, if you have had your license suspended, or if you have been charged with a DUI or DWI. If your license has been suspended, it will not be renewable until you have an SR22 from an insurance company.

An SR22 form, which is issued by insurance companies, provides proof to the state that the high risk driver is insured with an insurance policy that meets the state’s minimum liability requirements. Most states that require a driver to have an SR22 require them to carry it for about 3 years. Furthermore, if the driver’s insurance policy lapses for any reason, the insurance company immediately notifies the state. This could result in the drivers driving privileges being revoked or suspended.

If your license is suspended or revoked because you allowed your insurance policy to lapse, or because you didn’t carry the required SR22 to keep your license active, you will have to start the three year SR22 requirement all over again if you want to renew your driver’s license. It is important to make all of your premium payments, including the payment for the SR22 filing, on time.

If you do not own a vehicle, but the state requires you to carry SR22 motorcycle insurance in Iowa in order to keep your driving privileges, you will need to purchase a non-owners liability insurance policy, along with the SR22. Not all insurance carriers provide SR22’s, but those that do will typically file the SR22 with the state for you. Insurance rates for high risk drivers are usually quite high, and there is an additional charge for the SR22 as well.