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Iowa’s Car Insurance Policy And Regulations

Bodily Injury Liability

Each Iowa motorist must get at least $20,000 of cover for a single person and $40,000 for multiple passengers to pay for medical bills in the event they’re wounded in an accident where the insured individual is revealed to be at-fault. 

Property Damage Liability

Property damage culpability covers damage to private and public property like buildings, guardrails and road signs as well as the other person’s vehicle. The minimum quantity of coverage in the state of Iowa is $15,000 per accident.

The set numbers you may see for the state of Iowa will 20/40/15 which the numbers represent thousands of dollars from the figures above respectfully.

Iowa isn’t the same as many states in that it does not have a law which makes auto insurance mandatory for all drivers. However, it is recommended to have insurance for unforeseen auto accidents or other non-vehicular incidents that may occur.


Des Moines Skylight Night. Photo Credit Shimo/Wikimedia Commons

Iowa is a tort state, suggesting that someone who is at-fault in an accident will be fiscally responsible for covering the other party’s damages. These damages can include claims for bodily injury, death or property damage. If you are involved in an accident in the state of Iowa then your license and registration are going to be suspended on the spot if you do not have insurance.

Furthermore, if you have had a major traffic violation, (which is more common in Des Moines, Cedar Rapids, and, Iowa City) such as reckless driving, driving under the influence, or running a red light, you will have to show proof of insurance before your license is reinstated. For that reason the majority of drivers in Iowa opt to have at least minimum coverage although they do not have to.

Even though Iowa is a lenient state when it comes to car insurance it is recommended to get comprehensive and collision coverage for your vehicle particularly if your have a new model car.

Getting quotes in the state of Iowa is easy. The zip code form box above will provide you with quotes from top insurance companies to help you find the lowest rate possible and in less time.

Once you have a selection of three or more quotes be sure to compare each of them and find the policy that is right for you. If you find one online you can purchase it immediately, but it is always a good idea to go over the type of cover with an insurance agent.

Do not hesitate to ask about discounts in the state of Iowa

  • Safe driver discount

  • Student discount for good grades

  • Up to twenty percent off for taking a defensive driver course

  • Pleasure use – if you only drive your car for pleasure; not to and from work

Local Car Insurance Agents in Iowa

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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