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Iowa Auto Insurance Information and Resources

We have listed below several valuable sources of information to help educate you in obtaining car insurance in Iowa. Included are links to organizations with helpful guides on topics such as purchasing auto insurance, filing claims and more.

Iowa Auto Insurance Laws

Iowa auto insurance law requires liability coverage of 20/40/15. That is bodily injury coverage of $20,000 per person, up to $40,000 for all persons per accident, and property damage coverage of $15,000 for damages that you caused.

Liability insurance pays damages to others, on your behalf if you are the insured. It pays for injuries or damaged property claims against you, up to the policy limit. Uninsured Motorist Insurance may also be included on a policy. Uninsured Motorist coverage would protect you when that other “uninsured” driver causes an accident which damages your vehicle or injures you or your passengers. Although not required by law, this coverage is for protection of the policyholder's loss or damages inflicted in that accident.

Comprehensive and collision coverage is not required by IA law, but is usually required by the lender (bank or finance company) if there is a loan on the vehicle or by the leasing company if it is leased.

Iowa Motor Vehicle Division (MVD)

The Iowa Motor Vehicle Division website lists site locations and hours, provides details about obtaining a license, driving test locations, renewing vehicle regitration, and access to driver and accident records. Consumers can get all the information for vehicle services including registration and titles, aircraft registration, license plates personalization, selling a motor vehicle in Iowa, disabilities parking permits and more. The Iowa DMV also give information about new laws regarding Iowa vehicle requirements and information regarding motorized scooters and electric bicycles. Commercial drivers can also check information about motor carrier requirements, restriction map, and how to obtain a license class.

Iowa Insurance Division

The Iowa Insurance Division website provides resource areas for consumers, insurance agents and insurance companies and securities & regulated industries.

Consumers can file a complaint against an insurance company or agent, find an insurance agent or company, view consumer insurance alerts, view educational materials, view HMO comsumer report card, read about your rights as Iowa citizens, view insurance bulletins and get information on inusrnace fraud. You can read helpful press releases from state securiteds and insurance regulators such as "Top 10 Investment Scams, Schemes and Scandals" .

For agents, the site provide helpful information about agent licensing and continuing education, rates and forms, and view your records.