The State of Iowa has its flag patterned after the traditional French tricolor, since it was part of the Louisiana Purchase. The Hawkeye State is part of the all-important corn belt providing many important crops for the world’s food supply. The Iowa Department of Transportation requires you to maintain “financial responsibility,” which may or may not include car insurance.
Iowa Motto: “Our Liberties We Prize & Our Rights We Will Maintain”
Iowa’s east (Mississippi) and west (Missouri) borders are entirely formed by rivers. Iowa’s natural vegetation is tall-grass prairie and savanna. Much of the state is devoted to farming providing an estimated 19% of the corn and 30% of the hogs for the United States (as of 2008). The State of Iowa has one of the most open car insurance policies in the nation.
Minimum Iowa Insurance Coverage
The State of Iowa requires you to be able to prove you are financial responsibility in the event of an accident. The State of Iowa requires you to carry the “proof of ability to respond to liability” arising from an accident. You have the freedom to choose how this “financial responsibility” is demonstrated: automobile insurance, posting a bond with the Office of Driver Services, getting a legal release, being found not liable or setting up an installment plan for payment. Here are the minimums required for Iowa vehicle insurance:
- $20,000 for bodily injury or death of one person
- $40,000 for bodily injury or death per accident
- $15,000 for property damage or destruction
Select Your County Below to Start the Insurance Quote Process:
Black Hawk County
Buena Vista County
Cerro Gordo County
Des Moines County
Palo Alto County
Van Buren County
Penalties for Non-Compliance
The State of Iowa has very loose auto insurance requirements only requiring you to prove you are financial responsible to pay for any liability after an accident. If you do not demonstrate financial responsibility, then you could be penalized. The penalties are detailed under the “Iowa Code Title VIII Subtitle 1 and Iowa Code Title XVI Subtitle 2
321.20B Proof of security against liability — driving without liability.”
The first offense could lead to a fine of $250, community service, warnings, citation or removal of license plates and registration. The State of Iowa might even impound your vehicle if you are found not to have adequate insurance. Iowa uninsured motorists rank 32nd worst in the nation.
Iowa: “Farmland of America”
Iowa farmland is very important for feeding the world. If you don’t want to be pulled over for not having adequate financial responsibility, then fill out the form above for a free quote.