The Hawkeye State

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Iowa Auto Insurance Coverage

Home to close-knit communities and a high quality of life that doesn't come with a high price tag, there's a lot to love about Iowa. But whether you're new in town or have deep roots in the Hawkeye State, it's important to understand the auto insurance requirements in Iowa. 

Required Auto Insurance in Iowa

Iowa requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. Iowa requires the following minimum liability coverage:

  • Bodily Injury: $20,000 per person and $40,000 per accident.
  • Property Damage: $15,000 per accident.

Iowa Teen Driving Laws

Iowa operates under a Graduated Driver's License (GDL) program, which includes three stages: A Learner's Permit, Intermediate License, and Full Driver's License. 

  • Learner's Permit: At 14, Iowa teens may apply for their learner's permit. To obtain their permit, teen drivers must pass a knowledge exam. A learner's permit allows teens to practice driving with licensed adult supervision. 
  • Intermediate License: At 16, teen drivers can apply for an intermediate driver's license after holding a learner's permit for a year. Teens must complete a driver's education course to obtain their intermediate license. Teen drivers cannot drive between the hours of midnight and 5:00 AM and may not carry more than one passenger under the age of 18, except siblings. 
  • Full Driver's License: At 17, drivers may apply for a full license after holding their intermediate license for at least 12 months. Teens also must complete 10 hours of supervised driving (two hours at night) while holding their intermediate license prior to obtaining their full license. 

Please be aware of additional driving restrictions for teen drivers in Iowa.

Iowa Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in Iowa. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage Options in Iowa

No law in Iowa states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of expenses and situations.

Start your Iowa auto insurance quote online, or by calling (888) 772-4247.

Learn More About Iowa

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About Iowa

Iowa was America's 29th state. Iowa received its nickname—The Hawkeye State—from a scout character in James Fenimore Cooper's Last of the Mohicans, published in 1826.