Is Iowa a no-fault state?
No. Iowa is an at-fault state. The at-fault driver's liability insurance pays for the harm they cause.
Last checked November 9, 2026 · Official sources (3)
How does Iowa car insurance work?
“provides protection against financial losses in the event of damage to a vehicle, medical costs for treating injuries, damage to someone else's vehicle or property, and liability protection if you are at fault for an auto accident.”
Iowa Insurance Division
What is Iowa's minimum car insurance?
| Coverage | What Iowa requires |
|---|---|
| Injury to one person | $20,000 |
| Injuries in one crash | $40,000 |
| Damage to property | $15,000 |
Other at-fault states
Questions
How much insurance does Iowa require?
At least $20,000 per person and $40,000 per crash for injuries, plus $15,000 for property damage (20/40/15).
What if you were partly at fault in Iowa?
You can recover unless your fault is greater than all the defendants' combined; your award is cut by your share of fault.
Hurt in a crash in Iowa? Find out if you are owed money.
A free case review. $0 upfront. No fee unless you win.
See if I’m owed moneySources (3)
- Iowa Insurance Division, checked 2026-11-09. “provides protection against financial losses in the event of damage to a vehicle, medical costs for treating injuries, damage to someone else's vehicle or property, and liability protection if you are at fault for an auto accident.”
- Iowa Insurance Division, checked 2026-11-09. “$20,000 of bodily injury to or death of one person in any one accident; $40,000 because of bodily injury to or death of two or more persons in any one accident; and $15,000 because of injury to or destruction of property”
- Iowa Legislature (Iowa Code), checked 2026-11-09. “Contributory fault shall not bar recovery in an action by a claimant to recover damages for fault resulting in death or in injury to person or property unless the claimant bears a greater percentage of fault than the combined percentage of fault attributed to the”