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Iowa Minimum Liability Insurance Requirements

The state requires a minimum level of liability insurance for each driver to operate a motor vehicle in Iowa. If proper insurance is not maintained while driving your license may be subject to suspension. Any insurance company that is licensed to operate in Iowa will offer a minimum level as follows:

$20,000 in Bodily Injury per person
$40,000 in Bodily Injury per accident
$15,000 in Property Damage

Be sure to carry proof of liability insurance on your person or in the vehicle while driving.

What Is The Average Premium for Auto Insurance in Iowa?

$43 per month

According to information by the National Association of Insurance Commissioners for 2007 the estimated monthly average is $43. This is an estimate of the combined average premium per insured vehicle with liability and may include comprehensive or collision coverages.

Are you paying too much for auto insurance, get quotes to compare rates in your area.

What level of liability insurance should I carry in Iowa?

Many people in Iowa drive vehicles that cost over $25,000 but if you only have $15,000 in property damage coverage you will owe the difference. Also the cost of medical treatment and other expenses related to an accident can reach $100,000 or more without a law suit. Consult the advice of a licensed insurance agent in Iowa to get a estimate of what limits you should have on your auto policy.

Iowa SR-22 Auto Insurance

Iowa requires drivers with suspended licenses to maintain a financial responsibility filing called SR-22. For most drivers whose license has been suspended you must file this form with the Department of Motor Vehicles. The form is required for violations such as failure to pay child support and accumulation of points on record but is most commonly needed for drivers with a DUI conviction. This filing is normally required for a period of 3 years but may be longer depending on your court order. Reference our SR22 insurance page for more details about SR-22 forms.




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