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Iowa car insurance

Iowa Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Iowa mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

Anyone pulled over by a police officer must provide valid proof of insurance.

Iowa Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Iowa they are as follows:

  • Bodily Injury for One Person: $20,000
  • Bodily Injury for All Injuries: $40,000
  • Property Damage: $15,000

Iowa Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Iowa does not require this coverage.

No Fault Insurance
In Iowa, drivers are not required to carry no-fault insurance. Iowa is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.