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Iowa’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Iowa:

Is it mandatory to have car insurance in Iowa? 


What are the minimum limits for Iowa? 

$20,000 bodily injury per person 
$40,000 bodily injury per accident 
$15,000 property damage per accident



Dairyland® coverage in Iowa

At Dairyland, we’re proud to be able to help drivers in Iowa meet their insurance needs. Here are some of the parameters of our insurance coverage in Iowa:
What is the maximum bodily injury liability and property damage limit Dairyland offers in Iowa?
$100,000 bodily injury per person 
$300,000 bodily injury per accident 
$100,000 property damage per accident



What liability coverages are required to be offered in Iowa? Can a customer reject them?

Bodily Injury and Property Damage. Uninsured/Underinsured Motorist limits equal to the Bodily Injury limits will be added to the policy, unless the insured chooses lower limits or rejects coverage.

What are the coverages Dairyland offers in Iowa?

  • Lienholder Deductible
  • Uninsured/Underinsured Motorist Bodily Injury
  • Medical Payment
  • Towing and Labor
  • Collison
  • Comprehensive
  • Special Equipment
  • Rental Reimbursement
  • Roadside Assistance
  • Bodily Injury
  • Property Damage

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Iowa?

20 years 

How far back does Iowa go to look at violation history?  

3 years

What additional policy types are offered in Iowa? 

 Broad Form and Named Non-Owner

Is an insurance score used in my rating in Iowa? If so, is it mandatory? 

Yes, an insurance score is used in Iowa, but it’s not mandatory.

What policy terms does Dairyland offer in Iowa?  

Monthly and six months

What is Dairyland’s minimum down payment option in Iowa?  

Monthly: full pay; 6-month: 16.66%

Are SR22s used in Iowa?  If so, is there a fee assessed by Dairyland?  

SR22s are used, filed with no fees. 

What discounts are available from Dairyland in Iowa?

  • Transfer (prior insurance)
  • Homeowner
  • Advanced quote
  • Multi-car
  • Quarterly (monthly program)
  • Paid in full
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