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Iowa Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Iowa. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Iowa.

IA Auto Insurance Laws and Regulations:

Iowa auto insurance Div.
330 Maple St.
Des Moines, IA 50319

Minimum Car Insurance Coverage in IA:

$20,000 for injury/death to one person

$40,000 for injury to more than one person

$15,000 for damage to property

IA Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


IA Uninsured Penalties:

If you fail to show financial responsibility, you could face loss of your vehicle's registration, confiscation of license plate and suspension of your license.

To reinstate your license, you would have to provide proof of financial responsibility by obtaining $55,000 worth of liability coverage. You may also send $55,000 to the Office of Driver Services by posting securities, such as cashier's check, certified check, cash, or surety bond. This filing must be maintained for two years


IA Department of Insurance Contact Information:

1-515-281-5705 or
Toll Free: 1-877-955-1212

IA State Insurance Department Website:





Directory of Iowa Auto Insurance Agents by County

Adair
Adams
Allamakee
Appanoose
Audubon
Benton
Black Hawk
Boone
Bremer
Buchanan
Buena Vista
Butler
Calhoun
Carroll
Cass
Cedar
Cerro Gordo
Cherokee
Chickasaw
Clarke
Clay
Clayton
Clinton
Crawford
Dallas
Davis
Decatur
Delaware
Des Moines
Dickinson
Dubuque
Emmet
Fayette
Floyd
Franklin
Fremont
Greene
Grundy
Guthrie
Hamilton
Hancock
Hardin
Harrison
Henry
Howard
Humboldt
Ida
Iowa
Jackson
Jasper
Jefferson
Johnson
Jones
Keokuk
Kossuth
Lee
Linn
Louisa
Lucas
Lyon
Madison
Mahaska
Marion
Marshall
Mills
Mitchell
Monona
Monroe
Montgomery
Muscatine
Obrien
Osceola
Page
Palo Alto
Plymouth
Pocahontas
Polk
Pottawattamie
Poweshiek
Ringgold
Sac
Scott
Shelby
Sioux
Story
Tama
Taylor
Union
Van Buren
Wapello
Warren
Washington
Wayne
Webster
Winnebago
Winneshiek
Woodbury
Worth
Wright

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