Iowa Car Insurance FAQ - Quick Answers

The average cost of Iowa car insurance is $886 annually, which comes in much lower than the national figure of $1,311 per year. For your exact rates on Iowa auto insurance, a local adviser can run quotes with multiple markets. 

Iowa car insurance comes with basic limits of protection and they are as follows:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorists: Pays for an accident involving an uninsured/underinsured motorist.

In Iowa, state law requires that you carry the minimum limits of liability insurance listed below:

  • $20,000 in bodily injury liability per person
  • $40,000 in bodily injury liability per accident
  • $15,000 in property damage liability 

Uninsured motorist coverage can help protect each driver on the road from paying out of pocket for a loss that is caused by an uninsured driver. In Iowa, there are 8.7% of drivers on the road without insurance, putting you at risk. 

Iowa is a comparative negligence state, which means that after an accident, adjusters will compare the conduct of both drivers and assign you a percentage of fault out of 100%. 

When you're searching for car insurance, there are several carriers to choose from. In Iowa, Nationwide, Travelers, and Safeco are among the top insurance companies. These carriers are highly rated due to their claims service and superior coverage selection. 

Do You Know What Your Iowa Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Cedar Falls14.70.67$723
Cedar Rapids17.62.72$888
Council Bluffs19.37.87$1,095
Des Moines18.96.01$1,064
Iowa City170.92$887
Sioux City17.33.01$882
West Des Moines171.07$836