Insurance requirement guides for Iowa.
$20,000 / $40,000 / $15,000
Bodily injury per person / per accident / property damage, written 20/40/15
Set by Iowa Code § 321A.1. Read off the statute on , and the figure every Iowa guide on this site is checked against.
Compare it with every stateInsurance regulation
Registration and insurance verification
Iowa has no state boat insurance mandate, but marina slip agreements at the Iowa Great Lakes, USACE reservoir facilities, and Mississippi River marinas commonly require liability cover. West Okoboji's summer traffic density and river navigation rules define the coverage landscape.
Iowa requires 20/40/15 motorcycle liability — among the lower minimums in the Midwest. Helmets are required only for riders under 18. UM/UIM is offered but not mandated, and Iowa ranks top 5 nationally for deer-vehicle collisions.
Iowa requires 20/40/15 liability coverage for all drivers. Learn the minimum requirements, penalties for driving uninsured, and whether Iowa's minimums provide adequate protection.
Real estate agents need E&O and general liability insurance for licensing and brokerage contracts. Learn coverage requirements, typical costs, and state-by-state rules.
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Every guide on this page covers a Iowa requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each Iowa guide on this site is checked against that same figure. The regulators linked above are where Iowa publishes the rules, so they are the place to confirm anything before you rely on it.
