Iowa

Auto Insurance Minimum Requirements

20/40/15

Liability Limits

No-Fault

N/A

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$20,000

Bodily Injury (per accident)$40,000

Property Damage$15,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date1981-01-01

Important Notes

Iowa features an after-the-fact financial responsibility enforcement system; verification is aggressively queried during any traffic violation or accident.

Uninsured / Underinsured Motorist

Must be explicitly offered; may be declined by the customer in a signed document.

SR-22 Filings

Mandated for up to 3 years after a suspension via OWI, safety judgment failures, or non-compliance verification.

Alternatives to Insurance

A secured cash or bond deposit of $55,000 managed with the Office of Driver Services.

Official Source

Iowa Department of Transportation

View Official Site →

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.