Iowa does not have a mandatory insurance law. The Financial and Safety Responsibility Act is your only means of protection from the financially unsound and reckless driver.
If you are an Iowa driver the best way to protect yourself and your vehicle is to have uninsured motorist insurance in addition to liability coverage.
This state does not enlist a point system for monitoring or penalizing traffic violations. However, your driving record is still maintained and made available to employers and insurance companies. Habitual traffic violations may still increase your insurance rates.
Although Iowa does not have a standard point system for moving violations, it does employ a Habitual Offender point system.
The point system for 3 major violations in 6 years is as follows:
Resulting duration of Barring
If a driver is caught operating a vehicle while barred, they face up to two years in prison.
The state of Iowa has Mandatory Revocations for the following offenses:
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