A DUI/DWI conviction, driver’s license suspension or revocation, or related accident or traffic violation may significantly increase a driver’s insurance rate (by an average of 80%)—and two or more DUI/DWI convictions may make it difficult for a driver to acquire the insurance necessary to operate a vehicle.
In Iowa, a DUI (driving under the influence) or OWI (operating while intoxicated) conviction can have a substantial impact on a driver's car insurance rates. After such a conviction, insurance providers typically view the driver as high-risk, which often results in increased insurance premiums. On average, insurance rates can go up by approximately 80% following a DUI/OWI conviction. Additionally, if a driver accumulates two or more DUI/OWI convictions, it becomes even more challenging to find an insurance company willing to provide coverage, as the risk associated with insuring such drivers is considered significantly higher. This can lead to difficulties in obtaining the necessary insurance to legally operate a vehicle in the state. Furthermore, Iowa law requires a driver to file an SR-22 insurance certificate as proof of financial responsibility after certain convictions, including DUI/OWI, which must be maintained for a specified period, typically for two years following the reinstatement of driving privileges. Failure to maintain an SR-22 can result in the suspension of the driver's license.