Lotto America Rules

It is important to know the Lotto America rules so you can enter draws on time and successfully claim any prizes you might win. Keep the following guidelines in mind to help you enjoy Lotto America safely.

Player Rules

You must be old enough to play Lotto America in the state where you are participating. In Iowa, you must be at least 21 years old to take part, while in the other participating states you have to be 18.

When you buy a ticket from a retailer, it is your responsibility to check that the ticket is valid for the draw date of your choice. You are then responsible for keeping the ticket safe as it acts as proof of purchase.

Different ticket sale cut-off times apply in each of the participating states. You can find the full list of deadline for buying tickets at the How to Play page.

Tickets are non-refundable.

Prize Rules

Lotto America prizes must be claimed in the state where the tickets were purchased. Each state has its own rules about when prizes must be claimed and it is the responsibility of the player to come forward in time. Visit the How to Claim page for more information.

Winning tickets must be checked and validated by the lottery operator in the state where the ticket was bought, or by an agent of the operator, such as an authorized retailer, before prizes can be paid out.

Jackpot winners can choose to receive the full advertised amount (before taxes) in an annuity, paid in 30 installments over 29 years, the first of which is made on claiming their prize. Alternatively, they can choose a smaller cash lump sum that represents the value of the jackpot fund on the day of the draw, which would be invested to earn the annuity prize if the player took that option.

Anyone who wins a large Lotto America prize must pay federal taxes in the US, regardless of whether or not they are a resident. This is set at a rate depending on your total annual income (including the win) and is worked out at tax time. The lottery makes an immediate 25 percent federal withholding on prizes of more than $5,000, and most states require a local withholding, although Tennessee and South Dakota do not. The state withholdings are as follows:

State State Tax Withholding
Delaware 6.6%
Idaho 7.4%
Iowa 5%
Kansas 5%
Maine 5%
Minnesota 7.25%
Montana 6.9%
New Mexico 6%
North Dakota 2.9%
Oklahoma 4%
South Dakota Nil
Tennessee Nil
West Virginia 6.5%

For specific tax information, players are advised to consult a professional tax advisor.

To find out the value of a Lotto America prize after federal and state taxes in your jurisdiction have been deducted, use's Tax Calculator.

Game Rules

Players must select five main numbers from a choice of 52 plus one Star Ball from 1 to 10.

The jackpot starts at $2 million and grows by at least $50,000 with every rollover. However, on occasions it may grow higher due to an increase in the volume of ticket sales.

Find out more on the How to Play Lotto America page.