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The Insurance Requirement

Iowa Code § 321.20B — coverage in effect and the proof card in the vehicle, paper or electronic

  • No one may drive on Iowa highways unless financial liability coverage is in effect for the vehicle and the proof card is in the vehicle.
  • The card may be paper or electronic.
  • A vehicle driven in a free public or customer parking lot is presumed to have been driven on the highway to get there.
  • After a citation, the vehicle may be driven for up to 48 hours only to remove it from the highways, unless the driving privilege is otherwise suspended.
  • Iowa Code § 321.20B
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Sources for this section (1)
  1. Iowa Code § 321.20B — Financial liability coverage — proof required — violations — penalties — exceptions

Legal information, not legal advice. Verified as of October 2026. Applying it to a particular situation is the work of a licensed Iowa attorney.

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