Iowa Minimum Legal Requirements

 

• Minimum injury liability for one person in an accident:   $20,000
• Minimum injury liability for all injuries in an accident:  $40,000
• Minimum liability for property damage in an accident:    $15,000
• Personal injury protection (PIP) required?  NO
• Uninsured motorist insurance coverage required?  NO
• No Fault State? NO

Iowa Insurance Department

330 Maple St.

Des Moines, IA, 50319-0065

Phone: 515-281-6348; toll free 877-955-1212

 

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Select Your Risk Level - Select Your Risk Level - Preferred Standard High Risk

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The following is a guideline as to how to rank yourself according to risk. It is by no means a complete checklist for how insurance companies rate your risk level . Many additional factors are involved and vary depending upon the insurance companies underwriting methods. Selecting your risk level helps us to search for the providers that , in our experience, offers the better rates in your state.

* A "Preferred Risk" driver can answer yes to the following questions:

• No Accidents or  Moving Violations in the Last 3 Years.
• Good to Excellent Credit. No problems receiving credit.
• No past license suspensions, DUI's, etc. 
• Continuous insurance coverage history. No lapsed or terminated policies
• At least 25 years old.
  

** A "Standard Risk" driver can answer yes to the following questions:

• Only 1-2 moving violations or 1 "at fault" claim in the last 3 years.
• Average or better credit. Some minor credit problems.  
• No past license suspensions, DUI's, etc. 
• Continuous insurance coverage history. No lapsed or terminated policies
• At least 21 years old.

*** A "High Risk" driver may have one or more of these characteristics:

• 3 or more moving violations or 2 or more "at fault" claims in the last 3 years.
• Poor credit, bankruptcies, large number of defaults.  
• License suspensions, DUI's, SR22, etc. 
• Lapses in insurance coverage due to non-payment or multiple claims.
• 16-21 years old.

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Remember, all quotes you receive are absolutely free with no obligation to purchase a policy.