Car-insurance requirements in Iowa (2026)
Iowa requires 20/40/15 in the usual shorthand — among the lowest bodily-injury minimums in the country, read from the legislature’s own statute.
- Minimum liability limits
- 20/40/15
- Fault system
- At-fault (tort)
- Tort threshold
- not applicable
- Restricted rating factors
- none found
What the statute requires
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $20,000 | required | Iowa Code §321A.1(11) |
| Bodily injury liability, per accident | $40,000 | required | Iowa Code §321A.1(11) |
| Property damage liability | $15,000 | required | Iowa Code §321A.1(11) |
Source of record: the legislature’s own statute text, corroborated against the state insurance department or motor-vehicle agency. Verification status: primary text confirmed.
How old is this minimum?
Our committed statutory record for Iowa does not carry the date its current limits took effect, so no real-terms restatement is shown. We will not deflate from a year we have not read in the statute or its enacting bill. The limits themselves are confirmed against primary text; only the commencement date is missing.
What the property-damage minimum leaves exposed
A $42,000 property-damage claim against Iowa’s minimum of $15,000 leaves $27,000 above the limit. That difference is the at-fault driver’s own exposure. The claim figure is an illustration; the limit is the statute.
Rating rules in Iowa
| Factor | Status | Authority |
|---|---|---|
| Credit information | No restriction found | — |
| Gender | No restriction found | — |
| ZIP code | No restriction found | — |
| Rating territory | No restriction found | — |
| Age | No restriction found | — |
| Marital status | No restriction found | — |
| Occupation | No restriction found | — |
| Education | No restriction found | — |
The same factor across every jurisdiction: credit-based rating by state, gender rating by state, age rating by state, marital-status rating by state, occupation and education rating by state, zip code and territory rating by state.
Premium data for Iowa
No regulator-published premium data exists for Iowa
Iowa’s insurance department does not publish a per-insurer premium comparison, so this site shows no premium figures for Iowa at all. We will not substitute a figure from a quote engine, a trade body or a national aggregate: none of those is a published record of what insurers filed in Iowa.
Coverage requirement checker
Pick a jurisdiction to see every coverage its statute requires, with the amount, the citation and whether it can be rejected.
Iowa — minimum limits 20/40/15
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $20,000 | required | Iowa Code §321A.1(11) |
| Bodily injury liability, per accident | $40,000 | required | Iowa Code §321A.1(11) |
| Property damage liability | $15,000 | required | Iowa Code §321A.1(11) |
Fault system: At-fault (tort).
General information, not insurance, financial or legal advice. Requirements change; verify with your state insurance department or the statute before acting.
Questions about Iowa
- What is the minimum car insurance required in Iowa?
- Iowa requires liability limits of 20/40/15 under Iowa Code §321A.1(11).
- Is Iowa a no-fault state?
- Iowa operates at-fault (tort).
- What does car insurance cost in Iowa?
- No regulator publishes premium data for Iowa, so this site shows no premium figures for Iowa. We do not substitute a figure from a quote engine or a national aggregate.
Statutory records for Iowa last verified against primary sources on 10 August 2026. Price level for the real-terms restatement: June 2026, all-items index 333.952. Every figure on this page is recomputed from committed data at build time.