If an Ames police officer stops you and you do not have proof of insurance, you’ll be subject to penalties under Iowa state law. These penalties may include a $250 fine and the suspension of your vehicle registration and driver’s license for up to a year. Be aware that, depending on the circumstances, you may also face jail time.
Reinstating your driving privileges involves filing an SR-22 — or a Certification of Financial Responsibility form, which serves as proof of financial responsibility. You must also pay a $15 administrative fee, a $2,000 civil penalty, and a $20 license renewal fee.
Your citation will be waived 30 days later after the SR-22 is filed. You will have to complete a vision screening, written test, and driving exam to have your license and registration reinstated.
If all of that wasn’t enough, you can expect your monthly premium to spike, too. That’s because a driver who is required to file an SR-22 is considered a high risk on the road. The new rate will remain high for at least three years, which is when your driving record will clear.