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When the policy applies to the operation of a motor vehicle outside of your state, and the limits are higher in that state, your insurance will increase your limits to the extent of the limits required by the local law. As long as you possess those coverages in your own policy. For example, if you live in a state that requires PIP and the state you are driving in requires bodily injury, than your insurance will not provide bodily injury since you have not purchased this coverage.You must purchase bodily injury protection to have this coverage. If your PIP is $10,000/$20,000 and the state in which you are driving has a limit of $15,000/$30,000 than your limit will be increased to meet the higher limits required for that particular state.

No-fault insurance is sold in Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Texas, Utah, and Washington. Other jurisdictions except Pennsylvania and the District of Columbia have traditional tort systems. Pennsylvania and DC have hybrid insurance systems.

Iowa Car Insurance Laws


The minimum amount of liability insurance required in Iowa is as follows:
$20,000/$40,000 for bodily Injury

$15,000 for property damage



Iowa state sealAutomobile liability insurance is generally defined as coverage for bodily injury you cause to another person or for property damage you cause to another person’s property through negligent use of your vehicle. In Iowa you are required to carry $25,000/$50,000 in bodily injury protection and $10,000 in property damage.

Be aware that the liability coverage required by law covers only damage the policy holder does to others. To pay for damages to your car, you will need to purchase collision insurance or comprehensive insurance for damage to your vehicle from other causes.

Uninsured/Under insured Motorist Coverage is not mandatory in the state of Iowa.
Drivers have the right to waive this coverage, but it is highly recommended that you carry it.
Because auto insurance is mandatory in the state of Iowa, all motorists must show proof of Iowa auto insurance to peace officers and other sanctioned officers of the state upon request.
Iowa's Financial & Safety Responsibility Act states that reckless and financially unsound drivers can have their operating and registration privileges suspended. Once the license has been suspended, drivers will have to prove financial responsibility for any damages or injuries they caused. This means, you must show proof of liability insurance.

You should be aware that in a competitive insurance market insurance companies charge different rates for essentially the same coverage. Shopping around may result in savings to you on your automobile policy. Be sure to take into consideration the services provided by the company.