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Auto Insurance Requirements In Iowa

Iowa Auto Insurance 

According to the Iowa state law, all motorists applying for vehicle registration in Iowa are required to have valid vehicle liability insurance.

This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times. Your insurance must be provided when renewing your vehicle registration, when involved in a traffic collision, or as requested by law enforcement. 

While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits.  It’s also important to note that, while Iowa law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.

Car Insurance Policy Requirements in the Iowa

Your Iowa  auto insurance policy must include at least the following minimum coverage limits:

  • $20,000 of bodily injury to or death of one person in any one accident.
  • $40,000 because of bodily injury to or death of two or more persons in any one accident.
  • $15,000 because of injury to or destruction of property of others in any one accident.

You must show valid proof of insurance to register a vehicle or renew a vehicle registration. 

Penalties and Violations

If you are caught driving without insurance, or with forged or expired insurance, you will be deemed guilty of a serious misdemeanor.  In addition to any other penalties, the punishment imposed for a violation of this law shall include assessment of a fine of not less than $250, nor more than $1,500.

Choosing the insurance that’s actually right for you may seem overwhelming.  Talking with a licensed insurance agent can help make sure that not only are you in compliance with the law, but that both you and your property are adequately covered. Don’t go it alone — have one of our friendly, knowledgeable agents help you cut through the nonsense, and get you the security you need while you’re out on the road.  Just fill out the form to get started!