Insurance is mandatory in Iowa and is required if asked by any police or peace officer.  Iowa is known in the insurance world as a tort state. A tort state means that in the case of an accident, whoever is responsible for the accident is responsible for the medical expenses of the people in the car as well as any damages caused to the vehicle or property.  This requires all Iowa drivers to carry a minimum amount of liability insurance.  However, it is recommended to carry collision and comprehensive coverage to cover a driver in case you are responsible for the accident.

Q: “What is the minimum amount of auto insurance coverage that I need in Iowa?”

Iowa drivers are required to carry a minimum amount of liability insurance.  The minimum amounts are shown on an insurance policy as 20/40/15.  This means that in Iowa, the minimum amount is $20,000 to cover minimum expenses for a single occupant driver, $40,000 for medical expenses for more than one occupant, and $15,000 to cover property damages.  In the event a driver is deemed responsible for an accident, liability polices do not cover those expenses.  Again, these are minimum amounts, and a driver should get multiple quotes in deciding what type of coverage is needed.

Compare Iowa Car Insurance Rates Online

Iowa auto insurance rates are some of the cheapest in the nation.  Most reputable insurance companies work in Iowa, but some have limited offices.  Get your good deal by going to autoinsurancebystate.com to get multiple quotes from the top insurance companies in the state.  All you have to do is put in your zip code, and in less than two minutes you get multiple quotes for auto insurance.  I

For More Information

Iowa Department of Insurance
330 Maple St.
Des Moines, IA 50319-0065
Phone: (877) 955-1212