If the state requires you to submit an SR-22 through your insurer, or if you choose to carry liability coverage for added financial protection, you'll be required to carry at least the following limits:
- $20,000 bodily injury coverage per person
- $40,000 bodily injury coverage per incident
- $15,000 property damage coverage per incident
These limits are often written as 20/40/15.
How fault works in Iowa
Iowa practices the tort, or fault-based, system. This means you can sue an at-fault driver for accident-related expenses (and vice versa).
If you're found at fault, your liability coverage can help pay for others' expenses. If another driver caused the accident, you can seek a settlement through that driver's insurer.
Electronic proof of insurance in Iowa
Hawkeye State motorists can pull up their car insurance ID cards on their smartphones as legitimate proof of coverage in Iowa. Plus, if you're covered by Esurance, you can save your ID cards to your device so they're available offline too — all using our useful mobile app.