Skip the auto shop - Our mechanics make house calls

Insurance Requirements for Car Registration in Iowa

Insurance Requirements for Car Registration in Iowa

Iowa is a rare state that does not specifically require vehicle insurance in order to legally register a car. You can operate a vehicle on the roads in Iowa without any car insurance if you wish. However, if you get into an accident, you must show the Iowa DOT some proof of financial responsibility (vehicle liability insurance); if you do not have vehicle insurance, or you cannot show proof of insurance at the time of an accident, your driver’s license and vehicle’s registration will be suspended.

For this reason, it’s still necessary to have some kind of vehicle insurance, even if you don’t need it to register your vehicle.

Financial responsibility after an accident

If you are involved in an accident in Iowa, these are the things you must do in order to keep your driver’s license and vehicle registration from being suspended:

  • If a police officer does not file a report on the accident, you must file an Accident Report Form if the total property damage was more than $1,500, or if there was any bodily injury or death.

  • You must prove financial responsibility by presenting an insurance card from an authorized insurance provider, or by filing a statement agreeing to cover the costs if you were at fault.

There are a few exceptions to these regulations. If you meet any of the following criteria, you do not have any burden of financial responsibility after an accident:

  • Your vehicle was legally parked or stopped;

  • The person driving your vehicle did not have your permission to do so;

  • You were the only party who was injured, or suffered property damage

License or registration suspension

If your driver’s license or vehicle registration was suspended due to an accident or traffic violation, you are required to show proof of financial responsibility for at least two years. The minimum amount of vehicle liability insurance required in this case includes:

  • A total of $40,000 for bodily injury or death

  • A total of $15,000 for property damage liability

Proving financial responsibility in this case can be done through the following methods:

  • Your insurance provider can file an SR-22 form with the DOT. This document is a verification that you currently carry at least minimum amounts of vehicle liability insurance.

  • File a surety bond with the DOT in the amount of $55,000, or make a cash deposit of the same amount with the DOT

Violation penalties

If a driver is unable to provide financial responsibility when they fall under circumstances that legally requires them to do so in Iowa, there are several penalties that can be issued:

  • A fine of at least $250, or community service hours in lieu of a fine

  • Vehicle registration suspension, which can only be regained by proving financial responsibility and paying a $15 fee

  • Suspension of driver’s license

  • Vehicle impoundment

For more information, contact the Iowa DOT on their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

How to Transfer a Car Title in Idaho
In order to prove ownership of a car, you must have the title. However, when a car is sold, given away or inherited, the title needs...
The Traveler’s Guide to Driving in Malaysia
CraigBurrows / Shutterstock.com Malaysia is a popular destination for many tourists today. The country has amazing sights and attractions that you will want to explore....
P2159 OBD-II Trouble Code: Vehicle Speed Sensor B Range/Performance
Diagnostic Trouble Code (DTC): P2159 P2159 code definition Vehicle Speed Sensor B Range/Performance...


Related questions

Q: Is it Legal to Drive With a Damaged or Missing Mirror?

According to the California Vehicle Code, Section 26709, every motor vehicle that is subject to registration in the state of California, except motorcycles, must have two mirrors that reflect to the driver a view of the highway for a distance...

Q: what would be the average cost to own my vehicle over a ten year period

Typical "lifecycle" vehicle ownership and operation costs, such as you are inquiring about, are calculated on a 5 year interval. Going out 10 years has too much inherent uncertainly in inflation projections, and the costs of fuel, insurance, and repairs....

Q: My park 2003 Cadillac Escalade was hit on the front driver side knock a foot from where it was parked and back up on the center is.

Due to the collusion on the vehicle, the exhaust system was damaged and causing excessive air to get into the exhaust before the oxygen sensors. If the engine light was not on before the accident and now it is on,...