Which type of insurance is required by law in Iowa?

In Iowa, liability insurance is the type of insurance that is mandated by law for all drivers. This requirement is in place to ensure that individuals involved in a vehicle accident can cover damage or injury costs incurred to others. Liability insurance provides financial protection for the policyholder in case they are found responsible for an accident, covering expenses such as medical bills and vehicle repairs for the other party involved.

Comprehensive insurance, collision insurance, and uninsured motorist insurance are options that drivers can choose for additional coverage, but they are not legally required. Comprehensive insurance typically covers damage to your own vehicle that results from events other than a collision, collision insurance covers damage to your vehicle from an accident, and uninsured motorist insurance protects you if you're in an accident with a driver who does not have liability insurance. These types of coverage can be beneficial, but they do not fulfill the legal requirement for drivers in Iowa.