Nicknamed "The Hawkeye State," Iowans have to stay sharp considering they have the world's most crooked street, Snake Alley.
Requirement : Yes
Financial responsibility is required in Iowa . Drivers must have a minimum of liability coverage, all liability insurance policies must also include uninsured/underinsured motorist liability coverage.
Minimum Coverage Car Insurance Requirements:
A minimum liability, and uninsured/underinsured coverage is required:
Other Car Insurance Coverage Options:
Liability and coverage is the only requirement for Iowa motorist to have, there are several other types of coverage available to drivers:
Other Forms of Financial Responsibility:
Other legal ways around buying car insurance include:
Proof of Insurance: Yes
You must carry proof of insurance with your vehicle at all times.
Valid forms of proof of financial responsibility include:
Violations, Fines & Penalties:
A SR22 may be required after a suspension in order to get your driver’s license reinstated. An SR22 certificate only certifies proof of insurance of minimum requirements, it is not insurance.
Reasons you may be required to carry an SR-22:
Credit Scores & Determining Your Insurance Premium :
All Iowa drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. High-risk drivers should try to find a provider that specializes in high-risk, non-standard drivers.
Other factors that may be used to determine your premiums include:
Discounts : Yes
Discounts available in Iowa:
Novice drivers are banned from all cellphone usage. All drivers are banned from texting while driving. Texting violations are considered secondary offenses. Violators face a $30 fine, up to $1,000 should it be found that texting contributed to an accident.