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. 

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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

Bodily Injury Requirements in Iowa

Bodily injury liability insurance will pay for the medical expenses of another driver when you're at fault. Iowa requires you to carry $20,000 per person and $40,000 per accident in bodily injury liability coverage.

In most cases, the state-required limits are too low and are increased by insureds. You can review your coverage through a local adviser for accuracy and sufficiency.

Property Damage Requirements in Iowa

In Iowa, property damage liability is a requirement under your auto policy. This coverage helps pay for damage to another party's vehicle when you're at fault for the loss.

You'll be mandated to carry the minimum limits of protection in Iowa, starting at $15,000 in property damage liability. There are various limit options when it comes to your liability coverage that can be discussed with a trusted expert. 

Personal Injury Protection Requirements in Iowa

Some states require personal injury protection, or PIP, that helps pay for your medical expenses when you're injured due to an at-fault claim. In Iowa, PIP is not a requirement, but you can obtain medical payments coverage. 

Medical payments protection pays for any medical bills when you have an injury resulting from a car accident. Though optional, you'll need this coverage in order to avoid paying out of pocket for an injury that's your fault.

Uninsured Motorist Coverage in Iowa

In Iowa, uninsured motorist coverage helps pay for your injuries and property damage when you're involved in an accident with an uninsured driver. Unfortunately, just because insurance is required doesn't mean everyone follows the rules. 

Iowa has 8.7% of its drivers uninsured, putting you in harm's way. Uninsured motorist coverage isn't mandatory. However, it's necessary to avoid financial ruin due to someone else's carelessness.


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Optional Car Coverage in Iowa

Collision insurance and comprehensive insurance will help pay for damage to your vehicle that occurs from an accident. These limits, among others, are optional and known as full coverage.

You can also add rental car insurance that will reimburse for the use of a rental car due to a covered claim. Roadside assistance can help you if you're stranded and need a tow or a tire changed. Review your options with a local adviser to find what's best for you. 

Car Insurance Discounts to Consider in Iowa

In Iowa, a discount on insurance can be found in a few different ways. The first, and probably the most common, is to have more than one policy with the same carrier for a multiple policy discount. A savings of 30% or more is typical.

When you're part of a teachers union or government agency, you may qualify for an association discount. You can also cut costs by sticking with the same insurance company to obtain a loyalty discount.

How to File a Car Insurance Claim in Iowa

Filing a car insurance claim can be overwhelming in the moment, and it's easy to forget what comes next. Follow these simple steps to report a car insurance claim in Iowa.

First, get out of harm's way and tend to any injuries you may have sustained. Next, contact your independent insurance agent to file the claim. Third, obtain your claim number from your agent, and arrange for a rental vehicle if it's necessary and your policy allows it. Last, get a meeting with your assigned adjuster to go over the damage and collect payment for the loss.