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Car Insurance in Iowa (Updated May 2024)

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Iowa Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Iowa however, drivers are paying 28% less for car insurance than the national average, with Full Coverage costing Iowa drivers an average of $136 per month

Similar to other states, the rates in Iowa can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Iowa. Read on to learn more about properly insuring your car in Iowa. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

Iowa Car Insurance Laws

Before operating a vehicle on Iowa roads and highways, you need liability coverage that meets Iowa's minimum car insurance requirements. Liability coverage pays for injuries or property damage to others when you're at fault for an accident.

Iowa’s car insurance minimums are:

  • $20,000 for the bodily injury or death of an individual in a single accident
  • $40,000 for two or more individuals who suffer injuries or die in a collision
  • $15,000 for property damage in a single accident

Drivers who want to insure their own vehicles must acquire collision or comprehensive coverage.

Proof of Insurance 

If you're in an accident and don't have sufficient coverage, you may incur a fine of $645. ” 

Driving without insurance in Iowa can result in steep fines and penalties. If you're in an accident and don't have sufficient coverage, you may incur a fine of $645. Violators who were not in an accident may face a penalty of $325. A court may order a violator to perform community service in lieu of a fine. 

Iowa does not provide a specific grace period for obtaining insurance after purchasing a new vehicle. Before driving a new vehicle, secure the appropriate coverage that meets Iowa's car insurance requirements. If you buy the car with a loan, your finance provider may require you to acquire comprehensive coverage.

Frequently Asked Questions
What is the quickest way to reduce my insurance premium in Iowa?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Iowa?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Iowa?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.