Iowa Motorcycle Insurance

The Hawkeye state has an incredible amount to offer a dedicated biker. The Northeast Iowa Loop from Lansing to Hayes Lake Park to Waukon and back to Lansing is one of the most highly-rated motorcycle rides within the entire country! Also very worthy of note are the Loess Hills on the western edge of the state, which feature more than 200 miles of scenic overlooks and byways — it is a can’t-miss.

Motorcycle License Requirements
To earn a motorcycle license — known as a Class M license — In Iowa, you should be at least 16 years old, pass a test of your understanding of street signs, a vision screening, along with a test of your understanding of motorcycles. Finally, you must complete a motorcycle skills test in which you should complete some specific tests to demonstrate that you’re capable of utilizing a motorcycle safely in many different real-world situations.

You also have the choice of skipping the skills test (great if you’re not already experienced on a motorbike). If you select to do so, you should instead take and pass a month-long Basic Motorcycle Rider Safety Course. This includes both classroom instruction and off-street driving experience. This course is required if you are under 18 years of age.

Insurance Minimum Coverage
Like most states, Iowa will not permit you to operate a motorcycle with out carrying liability insurance that covers some or all of the damage you may cause to individuals or property in the event of an accident. The minimums in Iowa are on the low end of regular for the United States. You must have bodily injury coverage of $20,000 per individual, to a maximum of $40,000 per accident. You must also carry $15,000 in property liability insurance.

As an optional form of insurance that is very wise to take, Iowa provides Uninsured and Underinsured Motorist Coverage — unique insurance that covers you on the off chance that a motorist with no insurance of their own should get into a wreck with you.

Motorcycle Helmet Laws
Like Illinois and New Hampshire, Iowa is one of the couple of remaining states within the Union that has precisely zero helmet laws. Within the state of Iowa, anybody of any age can ride or operate any motorcycle or other open motorized vehicle with out the use of a helmet or protective eyegear. If you do wear a helmet, you are allowed to use speakers inside your helmet if you choose.

That said, you will find several superb state-funded off-road motorbiking courses across Iowa, and they all have their own rules requiring the use of helmets (though, interestingly, not eye protection.) In the event you should elect to avail yourself of these high-quality facilities, you should bring your own helmet — most of them do not offer loaner helmets.

Inexpensive, Dependable Motorcycle Insurance in Iowa
If you’re obtaining ready to start down the long and thrilling road of motorcycling, you need to start with the basics. Get a good bike, make certain you know the laws, and get yourself some quality insurance. If you’re in Iowan, can assist: just put your ZIP code in the box below, and we’ll show you some quotes from a number of competing businesses. You are able to pick the cheapest, or the best, or whatever you’re comfortable with, confident that you’ve shopped around and you know your choices.

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