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Iowa is one of the few states in the US that doesn’t require drivers to carry car insurance. That said, if you are involved in an accident, the state of Iowa requires that you show proof of financial responsibility. If you can’t produce this proof immediately, your driving privileges will be suspended. And if your license has been revoked or suspended, Iowa will require proof of financial responsibility for any possible future damages or injuries. Proof of Financial Responsibility

Unlike most states, drivers in Iowa are not required to carry proof of insurance. If, however, you are involved in an accident resulting in bodily injury, death, or property damages of $1,500 or more, you must file an accident report with the Iowa Department of Transportation within 72 hours, even if you weren’t at fault. If law enforcement files a report at the scene, a personal accident report is not required. If a report is not filed and you have not proved financial responsibility, your license and all driving privileges will be suspended.

If your license has been revoked or suspended because of a conviction, unsatisfied judgment or violating Iowa’s Operating While Intoxicated (OWI) statute, you must obtain Future Proof of Financial Responsibility immediately and maintain it for 2 years. Failure to do so will result in suspension of your driver’s license and all vehicle registrations.

Iowa has banned novice drivers from the use of cell phones, both handheld and hands-free, while operating a moving vehicle. Iowa has also made it illegal for any driver to text while driving, but this is a secondary law which means law enforcement can only cite you for it if they’ve pulled you over for another reason. Implied Consent Law

Iowa’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested by law enforcement for suspicion of operating while intoxicated (OWI) by drugs or alcohol. Refuse the test and you’ll face the following penalties in addition to those for an OWI

Iowa state law also says that you consent to a pre-arrest preliminary breath test. You’re not required to take this test, but if you refuse and law enforcement has some other reason to suspect that you’ve been driving while intoxicated, you can still be arrested. And then you will be required to consent to testing. OWI Law and Penalties

If you are pulled over by law enforcement and it’s discovered that children are not legally secured in your vehicle, you will be subject to a fine of $100 plus administrative costs of at least $195. First offenses will not result in conviction if you can prove you acquired a child restraint.

Iowa has implemented a multi-tier graduated driver’s license program beginning with an instruction permit phase and ending with full driver privileges once all conditions are met. The use of cell phones, smartphones, tablets, electronic communication devices, or entertainment devices is prohibited until drivers turn 18.

Young drivers can apply for an instruction permit on their 14th birthday if they have written consent from a parent or guardian and can pass the written and vision tests. A primary form of identification is also required, as well as proof of residency, and proof of a Social Security Number.

• Qualifying adults include: parents, guardians, and custodians, immediate family members 21 years of age and older, driver’s education instructors, or someone at least 25 years old with written permission from your parent, guardian or custodian

As of January 2016, the state of Iowa taxes gasoline at 32.00 cents per gallon. When added to the Federal fuel tax of 18.4 cents per gallon, residents of Iowa can expect to pay a total of 50.40 cents per gallon in taxes every time they fill their tanks. Iowa taxes diesel fuel at 33.50 cents per gallon. When added to the Federal diesel tax of 24.4 cents per gallon, Iowans will pay 57.90 cents per gallon in taxes on diesel fuel. Car Insurance Risk in Iowa Traffic Fatalities

In 2012, it was estimated that 9.7% of all drivers on Iowa roads had no car insurance. This number is slightly lower than the national average of 12.6% and ranks Iowa 32nd in the nation for uninsured motorists. Iowa Insurance Division Website: Insurance Commissioner: Nick Gerhart Address: Insurance Division