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How to File an SR22 in Iowa Without a Vehicle

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.

Consequences for OWI Offenders in Iowa

Consequences for OWI Offenders

It’s pretty bad news to be convicted of OWI. The combination of heavy fines, jail time, loss of driving privileges, required counseling, and other penalties affects every facet of your life.

First conviction:
If you are convicted of an OWI for the first time, you will be required to serve from two days to one year in jail and pay a fine up to $1,000. You will also lose your license for six months.

Second conviction:
If it is your second offense within 12 years, you will lose your license for two years, be given a seven-day to two-year sentence, and be fined $1,500 to $5,000.

Third conviction:
A third offense within a 12-year period is a Class D felony that will earn you up to five years in jail and a $2,500 to $7,500 fine. You’ll lose your license for six years.

In addition to spending time behind bars, paying a hefty court fine, and losing your driving privileges, you will also need to complete a course for drinking drivers and undergo a substance abuse evaluation or treatment program―whether this is your third offense or your first. Iowa law requires that you pay for these services at your own expense. You’ll also be hit with a $200 fine that goes toward the state’s victim restitution fund.

Handcuff Picture

If you are caught driving while your license is revoked, you’ll be charged with another misdemeanor and ordered to pay a $1,000 fine.

If you are a new Iowa resident, it’s important to realize that OWI convictions that occurred anywhere in the United States within the past 12 years will be used to determine whether your conviction in Iowa is a second or third offense.

To learn more about Iowa’s OWI laws, download the OWI handout prepared by the Department of Transportation’s Motor Vehicle Division.

Getting Your License Back

To get your license reinstated after an OWI conviction, you’ll need to show proof of your financial responsibility by filing an insurance SR-22 form with the Office of Driver Services. You’ll also need to take the knowledge test, driving exam, and vision screening to be issued a new Iowa driver’s license.

An OWI license revocation will remain on your driving record for 12 years. In addition to resulting in substantially higher auto insurance rates, this may also disqualify you from certain types of employment.