Home / Minimum Car Insurance Requirements by State / Iowa
Iowa Minimum Car Insurance and Penalties for Driving Without It
The short answer
Iowa requires liability insurance of at least $20,000 per person and $40,000 per accident for injuries, and $15,000 for property damage (20/40/15).
Iowa at a glance
| Minimum liability | $20,000 per person and $40,000 per accident for injuries, and $15,000 for property damage (20/40/15) |
|---|---|
| Other required coverage | No other coverage is required besides liability. Uninsured, underinsured and hit-and-run motorist coverage is included in every policy, but you can reject all of it with a signed written rejection. |
| First offense for driving uninsured | The scheduled fine is $325, or $645 if you are found guilty in connection with an accident, and the court can order community service instead. The officer can issue a warning or citation, remove your plates and registration, or impound the vehicle. New plates and registration require proof of coverage, proof the fine was paid, and a $15 administrative fee. |
| Repeat offense | Not confirmed on a state source; ask the agency |
| Fee to restore after a lapse | $15 administrative fee for new plates and registration, plus towing and storage costs if the vehicle was impounded. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Iowa?
Iowa requires liability insurance of at least $20,000 per person and $40,000 per accident for injuries, and $15,000 for property damage (20/40/15).
What happens if you drive without insurance in Iowa?
The scheduled fine is $325, or $645 if you are found guilty in connection with an accident, and the court can order community service instead. The officer can issue a warning or citation, remove your plates and registration, or impound the vehicle. New plates and registration require proof of coverage, proof the fine was paid, and a $15 administrative fee.