State guide
Insurance in Iowa
Required coverage, penalties, official contacts and sources for Iowa, reviewed 2026-10.
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Car insurance
What Iowa requires.
Liability minimum 20/40/15. Claims system: fault-based claims.
| Coverage | Requirement in Iowa |
|---|---|
| Bodily injury liability | $20,000 for one person / $40,000 for two or more people in any one accident |
| Property damage liability | $15,000 for injury to or destruction of property of others in any one accident |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Included in every liability policy at limits at least equal to the liability minimums, unless the named insured rejects it in writing |
Required coverage
- Bodily injury or death: at least $20,000 for one person in any one accident
- Bodily injury or death of two or more people: at least $40,000 in any one accident
- Property damage: at least $15,000 in any one accident
Other coverage commonly available
- Uninsured, underinsured and hit-and-run motorist coverage (included unless rejected in writing)
- Collision
- Comprehensive
- Medical payments
If you drive without required coverage
Iowa Code section 321.20B covers the financial liability coverage requirement, proof of coverage, violations and penalties. Confirm current penalties with the Iowa Department of Transportation.
Notices
What to know in Iowa.
- Under Iowa Code section 516A.1, no auto liability policy may be issued in Iowa without uninsured, underinsured and hit-and-run motorist coverage, with limits at least equal to the financial responsibility minimums. The named insured may reject all of it, or the uninsured/hit-and-run part, or the underinsured part, by a written rejection signed by the named insured.
- That coverage need not be included in a renewal policy if the named insured rejected it on a policy previously issued by the same insurer.
- The Insurance Division notes that collision and comprehensive coverage may be required if there is a lienholder on the vehicle.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Iowa Insurance Division
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Iowa Insurance Division publishes consumer guidance and is the state authority for questions about insurers, agents and complaints.
Health insurance
HealthCare.gov
HealthCare.gov (federal marketplace)
- Iowa is not on HealthInsurance.org's list of state-run or state-based marketplaces for the 2026 plan year, so residents use HealthCare.gov.
- Confirm current enrollment dates and eligibility for financial help on HealthCare.gov.
Contacts
Who to contact.
- Iowa Insurance Division
- Website: iid.iowa.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
Keep going.
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