Iowa Car Insurance Requirements for Drivers

While SafeAuto® does not currently offer coverage in Iowa, we can help you find the Iowa Car Insurance coverage you desire. 

If your home is in Davenport, Sioux City or anywhere in between, SafeAuto® wants to help you find auto coverage that can meet your needs. A good starting point is understanding the minimum requirements for liability insurance in Iowa:

  • $25,000 because of bodily injury to or death of one person in any one accident
  • $40,000 because of bodily injury to or death of two or more persons in any one accident, subject to the $25,000 per person limit
  • $15,000 because of injury to or destruction of property of others in an accident

Such coverage is often written as 20/40/15 or 20,000/40,000/15,000


Under Iowa law, you are required to provide documentary proof of Financial Responsibility when registering your vehicle or at the request of law enforcement officials.

If you are unable to produce proof of liability coverage when requested, the penalties can be harsh, including revocation of your vehicle registration and impoundment of your vehicle.

In addition to statutory penalties, if you cannot show proof of financial responsibility, fail to pay a judgment entered against you for damages resulting from an automobile accident, or need to reinstate your license after conviction for certain types of violations, you will be required to obtain an SR-22 Certificate of Financial Responsibility.

So, while SafeAuto® does not currently offer auto insurance coverage in the home of Hawkeyes, we can help you find the Iowa auto insurance coverage you need.