Commonly Asked Questions about Car Insurance in Iowa

On average, Iowa drivers pay just $886 per year for their car insurance. This is significantly lower than the national average cost of $1,311 per year and makes Iowa one of the least expensive states for buying automotive coverage. 

As a vehicle owner in Iowa, you can find the best rates by comparison shopping with a local independent insurance agent. These agents can help you by obtaining customized car insurance quotes from multiple insurance companies on your behalf. That way, you can be sure you are getting the coverage you need at a competitive price. 

Accidents can happen to anyone. Especially when road conditions are hazardous such as in the winter or during a torrential rainstorm.

If you are at fault for an accident, you can be held liable for other people’s property damage and the cost of medical treatment for their injuries. Given the high cost of health care in this country, an accident that involves injuries can be extremely expensive and could cause you a great deal of financial harm if you are not properly insured.

If you are involved in a collision, here are a few of the ways that your Iowa auto insurance can help.

  • Fix your own car: We officially call this "comprehensive & collision coverage." Although it is not required by the state, it may be required by your lender while you are still paying for your car or by the dealership if have it on a lease.
  • Fix someone else's car: We officially call this "property damage liability insurance." Your policy must include a minimum of $15,000 worth of property damage liability coverage to cover damage if you cause an accident.
  • Pay your medical bills: We officially call this "personal injury protection" or "PIP." This insurance can cover your medical bills and lost wages if you are injured in a collision, regardless of fault.
  • Pay someone else's med bills: We officially call this "bodily injury liability insurance." Your car insurance policy must include a minimum of $20,000 per person / $40,000 per accident worth of bodily injury liability coverage to cover other people’s medical expenses if you cause a collision.

You can also opt to include other coverage with your car insurance policy including uninsured motorist insurance, gap insurance, roadside assistance and towing, and rental car reimbursement. Talk to your local insurance agent to learn more.

The driver who caused the accident is responsible for covering the cost of damage.

If you are caught driving without insurance in Iowa, your car can be impounded, your registration may be suspended, and you can face faces of $250. Additionally, if you are responsible for a collision while driving without insurance, you may lose your driving privileges for up to one year. Despite this, an estimated 8.7% of vehicle owners in this state are driving while uninsured.

If you are in an accident that was caused by an uninsured driver, that person is responsible for covering your damage and any related medical bills. However, if the uninsured driver simply doesn’t have the funds available, you may be forced to hire a lawyer and take legal action just to collect a fraction of what is due to you.

That is why uninsured motorist coverage can prove so beneficial. This optional coverage pays for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. It also covers damage caused by uninsured drivers. Your insurance company will then take on the time-consuming responsibility of trying to collect the money owed by the at-fault driver. 

Yes! There are currently 720 independent insurance agencies in Iowa who are ready to help. 

These experienced agents are free to work with several different insurance providers to help you find the best rate for auto coverage. That way, you can buy a policy that meets all your coverage needs at a price you can afford.

The best insurance company for one person might not be the best choice for another. Independent insurance agents compare coverage and prices from a variety of highly rated insurance companies to find the policy that is best for you.

How does car insurance actually work?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 25.4 Min

National average car thefts per 1,000 2.94 Year

National average car insurance cost $1318 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Cedar Falls12.70.67$723
Cedar Rapids16.52.59$888
Council Bluffs19.76.86$1,095
Des Moines18.15.8$1,064
Iowa City18.51.07$887
Sioux City15.13.49$882
West Des Moines16.81.07$836
  1. $89
  2. Des Moines, IA Car Insurance average monthly cost
  3. The average monthly cost of car insurance in Des Moines is $89. 
  4. Residents of this city tend to pay more than most others throughout the state because of the high auto theft and accident rate in this city. Of course, your actual price can differ significantly from this average. This is because insurance companies will take into account such things as your age, gender, and driving record as well as details about your vehicle when they calculate your personalized quote.
  5. Whether you find yourself in a multi-vehicle collision on I-235 or you cause a fender-bender in the parking lot of the Greater Des Moines Botanical Garden, a good car insurance policy can cover your financial responsibilities. By purchasing a policy that includes collision coverage, you can be sure that damages to your vehicle are covered, even if the accident is your own fault. Talk to an independent agent in Des Moines to learn more about how each of your car insurance coverage options can prove beneficial to you.

  1. $74
  2. Cedar Rapids, IA Car Insurance average monthly cost
  3. The average monthly cost of auto insurance in Cedar Rapids is $74. 
  4. When calculating your actual rate, insurance companies will take several factors into account including such things as your vehicle’s make, model, and year, and details about you such as your age and driving record. The amount of coverage you are purchasing, and the size of your deductible can also have a large influence on your rates. Because of this, your actual monthly cost could be significantly higher or lower than the city’s average.
  5. Accidents don’t just happen on highways. The Metropolitan Planning Organization of Johnson County has identified the intersection of Sycamore Street and Highway 6 as the most hazardous in the city. The good news is, if you have a solid, all-inclusive car insurance policy backing you up, you do not have to worry about an accident having a negative impact on your finances. As long as your policy includes collision insurance, your vehicle’s damage will be covered, even if you are at fault for the accident.

  1. $85
  2. Davenport, IA Car Insurance average monthly cost
  3. The average monthly cost of car insurance in Davenport is $85. 
  4. Of course, this is just an average. Your actual monthly cost could be higher or lower depending on a variety of factors such as your age, driving record, and credit score as well as details about the vehicle(s) you wish to insure. Let an independent insurance compile a variety of customized Davenport car insurance quotes so you can find the policy that offers the best value for your hard-earned money.
  5. Hailstorms are a common problem in Davenport. Hailstones in the area can sometimes measure two inches in diameter. These large stones can cause significant damage to cars, including cracking windshields, damaging paint jobs, and causing unsightly dents. Fortunately, if your car insurance policy includes comprehensive coverage, your insurer can reimburse you for the cost of repairs. Learn more about comprehensive coverage as well as the other coverage available to you by speaking with one of Davenport’s experienced independent agents.

  1. $74
  2. Sioux City, IA Car Insurance average monthly cost
  3. The average monthly cost of car insurance in Sioux City is $74. 
  4. However, you should take this average with a grain of salt. Your monthly cost could be higher or lower than this, since your Sioux City auto insurance rate is completely personalized according to your driving history, vehicle information, deductible amount, and more.
  5. Driving conditions in Iowa can sometimes be dicey. From unpaved rural roads to highways that are wet with rain or slick with snow, these hazardous conditions can sometimes cause even the most experienced drivers to make mistakes. Whether you cause a minor accident on Gordon Drive or a major collision on I-29, an all-inclusive auto insurance policy can cover your losses and prevent you from facing expensive lawsuits. Talk to an independent insurance agent in Sioux City to learn how much it will cost you to purchase varying levels of coverage.

  1. $74
  2. Iowa City, IA Car Insurance average monthly cost
  3. The average monthly cost of auto insurance in Iowa City is $74. 
  4. Because your car insurance rates are customized according to your personal details, your actual monthly cost could be considerably higher or lower than this amount. Several factors such as your driving record, your vehicle’s year, make and model, and the amount of coverage you are purchasing, can influence how insurance companies calculate your price.
  5. The more time you spend behind the wheel of your car, the more likely you are to be involved in a collision. Residents of Iowa have some of the longest commute times in the state. This extra time spent getting to and from work can translate to higher costs for car insurance. Talk to an independent insurance agent in Iowa City to find out what you can do to lower your costs on car insurance.