Car Insurance in Iowa

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TABLE OF CONTENTS
  • How Much is Car Insurance in Iowa?
  • Real Quotes for Jerry.ai Customers in Iowa
  • The Cheapest Car Insurance in Iowa
  • Most Popular Insurance Companies in Iowa
  • Cost to Insure Different Cars in Iowa
  • Car Insurance Laws in Iowa
  • Car Registration Information in Iowa
Looking for car insurance in Iowa? Here you’ll find all the information you need on driving a car in The Hawkeye State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Des Moines or Cedar Rapids, Davenport or Sioux City — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Iowa car insurance.

How Much is Car Insurance in Iowa?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Iowa, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Iowa pay $1,620.08 each year for car insurance. This means drivers in Iowa pay 45% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
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What’s Your Rate?

But how do you know what policy is right for you in Iowa? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Iowa, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in Iowa

CreatedCarsCustomerInsurance CompanyMonthly premiumAmount savedType of coverage
2021-02-25
  • Toyota Camry Ce
21 year old maleProgressive$73.83$47.17Basic
2021-01-09
  • Chevrolet Silverado K2500 Heavy Duty
  • Pontiac Grand Prix
  • Dodge Durango Crew
23 year old maleProgressive$114.83$65.17Preferred
2021-03-21
  • Bmw X3 3.0si
33 year old femaleNationwide$60.94$117.06Standard
2020-12-30
  • Cadillac Cts Luxury
  • Cadillac Cts
30 year old maleNationwide$90.73$39.27Standard
2021-02-11
  • Ford Edge Se
39 year old femaleNationwide$71.25$68.75Preferred

The Cheapest Car Insurance in Iowa

Which companies offer cheap car insurance in Iowa? Below, we’ve ranked Iowa car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
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Cheapest Car Insurance in Iowa for Basic Coverage

There’s all kinds of auto insurance you can get in Iowa, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Iowa. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Iowa, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Iowa

Filters
RankCompany nameAvg. Annual Premium
1Progressive$906

Real Jerry Quotes for Basic Coverage in Iowa

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-03-25
  • Dodge Journey Se
19 year old femaleProgressive$80.17$67.83
2021-01-06
  • Dodge Grand Caravan Sxt
39 year old maleProgressive$71.33$178.67
2021-01-20
  • Ford Focus Se Comfort
20 year old maleAllstate$68.02$121.98
2021-03-07
  • Dodge Journey Crossroad
42 year old femaleProgressive$59$187
2021-01-14
  • Gmc Terrain Sle
24 year old maleProgressive$54$156

Average Cheapest Car Insurance for Standard Plans in Iowa

Most drivers will want more than the basic minimum coverage that Iowa requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in Iowa, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Iowa

Filters
RankCompany nameAvg. Annual Premium
1Progressive$1,158
2Travelers$1,178
3Allstate$1,385
4Safeco$1,506

Real Jerry Quotes for Standard Coverage in Iowa

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-01-22
  • Buick Encore
  • Kia Soul
35 year old femaleTravelers$99.25$100.75
2021-02-05
  • Kia Optima Lx
22 year old maleSafeco$188.15$51.85
2021-02-13
  • Ford Fusion Se
25 year old femaleProgressive$62.83$57.17
2021-04-04
  • Chevrolet Cruze Lt
  • Toyota Camry Se
25 year old femaleProgressive$126$216
2021-03-31
  • Nissan Rogue S
21 year old maleAllstate$87.80$52.20

Cheapest Car Insurance in Iowa for Preferred Coverage

Preferred coverage protects Iowa drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in Iowa, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Iowa

Filters
RankCompany nameAvg. Annual Premium
1Progressive$1,185
2Nationwide$1,224
3Travelers$1,283
4Safeco$1,665

Real Jerry Quotes for Preferred Coverage in Iowa

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-01-23
  • Kia Optima Lx
32 year old maleNationwide$82.73$14.27
2021-03-25
  • Gmc Terrain Sle
  • Chrysler 200 Limited
26 year old femaleSafeco$213.47$36.53
2021-02-12
  • Jeep Cherokee Latitude
27 year old femaleProgressive$55.83$22.17
2021-01-02
  • Toyota Rav4 Le
31 year old maleNationwide$60.54$40.46
2021-02-28
  • Toyota Corolla Le
27 year old maleNationwide$73.62$66.38
Insurance companyAverage annual premium in Iowa
Progressive$1,363.56
Kemper$911.50
Nationwide$636.84

Cost to Insure Different Cars in Iowa

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Iowa drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Iowa. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.
Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-03-06
  • Lexus Rx 400h
21 year old femaleState Auto$118.63$14.37Preferred
2021-01-19
  • Honda Accord Exl
23 year old maleProgressive$84.67$82.87Preferred
2021-02-22
  • Ford Taurus Limited
24 year old maleTravelers$85.17$31.83Standard
2021-01-20
  • Chevrolet Cruze Lt
26 year old femaleAllstate$127.82$110.18Standard
2021-03-01
  • Infiniti G25
20 year old maleProgressive$184.83$11.17Preferred
2021-03-17
  • Dodge Charger Se
40 year old maleProgressive$65.50$43.71Preferred
2021-03-05
  • Ford Fusion S
21 year old femaleAllstate$82.68$19.32Standard

Car Insurance Laws in Iowa

Each year, Iowa’s roads see more than 50,000 car accidents, which add up to a lot of insurance claims. That’s one reason the Hawkeye State requires drivers to carry a minimum amount of liability insurance: to protect drivers from the costs associated with those car accidents, especially when they’re not the at-fault driver.
If you live and drive in Iowa, here’s what you should know about the minimum amount of insurance you need, as well as the penalties for failing to have the required minimum coverage.

What Car Insurance Is Required in Iowa?

If you operate a motor vehicle registered in Iowa, you are required to have a minimum amount of insurance on the vehicle or comply with other mandates, as described below. If you don’t follow these mandates, you must have Bodily Injury Liability (BIL) and Property Damage Liability (PDL). Both of these insurance types make up what’s called liability insurance and provide protection for drivers caught up in an accident that they did not cause.
As an at-fault state, Iowa expects the insurance company of the driver who caused the accident to pay for any medical bills and property damage. Also, Iowa does not provide for Personal Injury Protection (PIP) coverage. Instead, drivers can opt for MedPay, which is somewhat similar.
As long as you’re not the at-fault driver, BIL pays for any medical expenses associated with a car accident. BIL can also pay for lost wages if you were hurt to the point where you can’t work or have to take time off to get your injuries treated, such as having to go to physical therapy.
PDL pays for any property damage to your vehicle, as long as you weren’t at fault. Otherwise, you would use your collision coverage, if you have this type of insurance, to pay for damages. Property damage includes any damage to your car or objects damaged in the accident, including poles, fences, and buildings.
MedPay, which is not a required insurance, pays for any medical bills associated with an accident you have been in, regardless of whether you were at fault or not. MedPay does not cover any lost wages suffered due to an accident.
Another auto insurance coverage that you should consider if you are a driver in Iowa is uninsured motorist coverage. And, while you can reject such coverage in writing, if you do opt for it, your insurance company must give you at least $20,000 of uninsured/underinsured coverage per person per accident, or a total of $40,000 per accident.
There are some optional ways to comply with the financial responsibility laws in Iowa other than buying insurance. In addition, you can:
  • Post a bond with Driver and Identification Services, a branch of the Iowa Department of Transportation.
  • Get a legal, signed release of liability from the other party involved in an accident that you are at-fault for.
  • File an agreement with the other party saying that you will pay all damages on an installment plan.
  • Promise the court, and file the required documents, that you will pay the other parties’ damages on an installment plan.
  • File evidence that supports your complete settlement of all damages suffered by the other party in an accident.

Can You Drive a Car Without Insurance in Iowa?

If you drive a vehicle in the state of Iowa, you are financially responsible for an accident you cause. Furthermore, you must provide proof of this financial responsibility, which includes proof of insurance, if you are pulled over by law enforcement or are in a car accident.
If you are in violation of this requirement, you face various fines and penalties. For any offense, you must pay a $250 fine or serve time doing community service. You will also have your license plate and registration removed and could have your vehicle impounded. You must also file for an SR-22 certificate and keep it on file for two years.
If you are in an accident while driving without insurance, the penalties are much steeper. You must pay a mandatory $250 fine, your vehicle will be impounded, your license and registration will be suspended for 12 months if the damages to the other party exceed $1,500, and you will have the registration for all vehicles under your name suspended.
You will also have to file for and keep an SR-22 certificate on file for at least two years and have to pay a $200 civil penalty. Once you do go to get your driver’s license back, you will have to take the driving exam and pass a screening test all over again with all of the associated fees.

What Are the Minimum Car Insurance Requirements in Iowa?

Iowa authorities require minimum coverage amounts to help protect other drivers on the road. The minimum amount of insurance required in Iowa includes the following.
Minimum Insurance Requirements in Iowa
  • Bodily injury/per person/per accident: $20,000
  • Bodily injury/per accident: $40,000
  • Property damage liability: $15,000

Car Registration Information in Iowa

Another requirement if you are a driver in Iowa is to register your vehicle. This is required for all vehicles you own and drive in the state. If you are new to Iowa, you have 30 days from the day you establish residency to register your vehicle.
When you register a vehicle in Iowa, you can do so in one of two ways: in-person or online. To register your vehicle in person, visit your local County Treasurer’s Office. To renew online, visit the Iowa Tax and Tags website.
Once you’ve registered your vehicle in Iowa, you will receive two license plates, one each for the front and rear. The rear license plate also has a decal that shows the month and year that your vehicle registration needs to be renewed.
The initial registration fee and renewal fee for registering your vehicle are based on its model year, list price, and weight. The formula for weight is $0.40 per hundred pounds of vehicle weight. So, for example, a vehicle that weighs 3,000 pounds would cost $12 plus a percent of the vehicle list value according to the vehicle age.
The fee formula includes the following:
  • 1-7 model years old: Vehicle list price x 1%
  • 8-9 model years old: Vehicle list price x .75%
  • 10-11 model years old: Vehicle list price x .50%
  • 12-plus model years old: $50 flat fee
To register your vehicle or renew your registration in Iowa, you need the following documentation.
  • Iowa driver’s license
  • Vehicle registration; if renewing or registering from another state/also contains the Vehicle Identification Number (VIN)
  • Registration application paperwork (with the vehicle odometer reading)
  • Proof of car insurance
  • Certificate of title (if you own the vehicle), loan paperwork, or other documents
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