Iowa (IA) Teen Auto Insurance Laws, Rates & Requirements

Male teen drivers currently represent the highest risk group of drivers on the roads today. Female teen drivers are the second highest risk group. Each year, more than 400,000 teen drivers are involved in car crashes and more than 5,000 are fatal. The state of Iowa believes that a combination of inexperience and overconfidence are the leading causes of fatal car crashes in the state. Iowa also points its finger at technology, such as mobile communication devices, MP3 players, text messaging, and sensor technology.

In the state of Iowa, young adults, ages 14-24 represent 17% of the drivers on the road, but they account for 40% of all fatal and serious traffic injuries, such as having injury attorneys in Arizona. To successfully address these issues, on January 1, 1999 the state of Iowa began enforcing the Iowa Graduated Driver Licensing (GDL) law. Within the first two years, the state saw a 27% decrease in teen traffic violations and a 10% decrease in teen car crashes. The GDL process is rigorous and the penalties for violating the rules involved are stiff. Continue reading to learn more about Iowa’s teen driving laws and the consequences for violating them. Also you can learn more about Employment law, Davidovich law firm experience in dealing with similar cases.

Iowa Graduated Driver Licensing (GDL) and Driver License Requirements

Iowa Graduated Licensing (GDL) occurs in three phases: instruction permit, intermediate license, and full license.

To obtain an instruction permit, you must be at least 14 years of age and pass a vision screening test and knowledge test. You must also provide the following documentation to the Iowa Department of Motor Vehicles:

•    Proof of identity
•    Social security card
•    Written consent of a parent or legal guardian

Once you receive your instruction permit, you must hold it for six months. During that time, you must complete 20 hours of supervised driving. Two hours must be between sunset and sunrise. You must also complete an Iowa approved or comparable driver education course to include:

•    30 hours of classroom instruction, which must include 4 hours of substance abuse education
•    6 laboratory hours (3 must be behind the wheel)

Your instruction permit will be stamped “under eighteen,” so you must follow the laws associated with your “under eighteen” status. In addition, your parent will not have the option to waive behind-the-wheel-drive time.

To obtain your intermediate license, you must be at least 16 years of age and meet all requirements of the instruction permit. You must also provide the DMV with written consent of a parent or legal guardian. Under the requirements and laws of the intermediate license, you must:

•    Hold the license for 12 months
•    Complete 10 hours of supervised driving, two hours must be between sunset and sunrise
•    Complete supervised driving with a parent, immediate family member over 31, or a designated adult over 25

Your intermediate license will be stamped “under eighteen,” so you must follow the laws associated with your “under eighteen” status, as well as all rules and regulations associated with the intermediate license in order to obtain your full license.

To obtain your full license, you must be 17 years if age and meet all requirements of the intermediate license. Written consent of a parent or legal guardian is also required. For driver’s under age 18, your license will be stamped “under eighteen,” and if you are under 21, your license will have the words “under twenty-one” printed on it. There are no restrictions on full licenses.