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In Iowa, the minimum car insurance is 20/40/15: $20,000 per person and $40,000 per crash for injuries you cause, plus $15,000 for property damage. Required coverage: BI & PD Liability. That's the legal floor; many drivers buy more because a serious crash can cost far more than the minimum pays.
BI = bodily injury liability, PD = property damage liability, PIP = personal injury protection, UM/UIM = uninsured/underinsured motorist, MED = medical payments. Source: Iowa Legislature. Confirmed against the official source 2026-10-12. Confirm with Iowa's DMV or insurance department.
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20/40/15 (BI & PD Liability): $20,000 per person and $40,000 per crash for injuries you cause, plus $15,000 for property damage.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.