Unlike most states, Iowa doesn't have a mandatory auto insurance law. Instead, the driver must be able to demonstrate financial responsibility in the event of an accident. While Iowa's minimum car insurance requirements are predefined, they're not meant to be a limit on the amount of coverage you can or should get. If you can't drive your car because of a covered loss, this coverage helps pay for a car rental or other transportation expenses so you can get back on the road.
The terms, definitions and explanations of insurance are for informational purposes only and do not replace or modify in any way the definitions and information contained in the individual pages of contracts, policies or insurance statements, which are decisive. Since car insurance isn't required in Iowa, it's important to protect yourself from uninsured or underinsured drivers. If you're interested in getting a car insurance quote in Iowa, contact your American Family Insurance agent to discuss what type of protection best fits your needs and what discounts may apply in your region. The consequences of driving without insurance exceed the monthly insurance premium and may result in the following penalties.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. Not having car insurance in many states can make you a high-risk driver when buying car insurance. Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs. In some states, your vehicle can be towed and you can't claim it until you present proof of insurance.
In Iowa, motorists must maintain an auto insurance policy that includes coverage for bodily injury and property damage, also known as liability insurance.