Iowa Car Insurance

What You Should Know About Iowa Car Insurance.

Find the right car insurance policy for you.

Iowa has been listed as one of the safest US states to live in. The low crime rate may contribute to modest Iowa car insurance premiums. Whether you drive to school, work, or to the farm, it’s good to know what the risks and requirements  in Iowa for car insurance.

In order to find the best rates for your auto policy, find an independent agent in the Trusted Choice® network. Your agent can help you compare Iowa auto insurance quotes, choose the best policy options, and handle claims in the future. Contact a member agent now, and get the personal assistance you need to make the best choice.

Iowa Car Insurance Costs

  • National average cost per year: $1,474
  • Iowa average cost per year: $1,058
  • 5th least expensive premiums in the US

The most recent information available as of 2017 shows that Iowa average premium costs are $1,058, which is considerably lower than the national average. This is partly because of Iowa's low population density. In addition, many residents live on farms, using roadways mostly for errands, not for daily commutes.

Keep in mind that what you will pay for auto insurance in Iowa will depend on the make and model of your car, where you’re driving, and your driving record, among other factors. The best way to find out exactly what you’ll be expected to pay is to get a quote from an independent agent in the Trusted Choice network.

Iowa Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: not required
  • Minimum liability limits: 20/40/15
    • Coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual, and $15,000 coverage for property damage.

The state requires resident drivers to carry these minimum requirements to be legal drivers on Iowa roads. If you are pulled over and don’t carry at least the coverage shown above, you could face major fines and your vehicle could be impounded.  Save money, time, and stay out of legal trouble – ask your independent agent for help purchasing the right Iowa auto insurance.

Iowa Uninsured Motorists Data

  • National uninsured motorists: 12.6%
  • Iowa uninsured motorists: 9.7%
  • Iowa average vehicle repair cost: $2,544

The percentage of Iowa vehicle owners without required coverage is lower than the national average. Keep in mind that, whether or not you have the required insurance coverage, you're still responsible for any damage or injuries you cause in an accident.

If you are in an accident with an uninsured driver, you’ll find it takes a
lot longer to collect money from them. Uninsured motorist coverage is optional in Indiana, but it will help you recoup damage and losses from an uninsured motorist faster. With uninsured motorist coverage, you’ll be able to collect money from your insurer to cover your costs, and your insurance company will collect from the liable driver.

Thefts in Iowa

  • National car theft rate (per 1,000 registered vehicles): 2.94
  • Iowa car theft rate (per 1,000 registered vehicles): 1.21

The rate of vehicle thefts in Iowa is lower than the national average. This  may be part of what makes Iowa the most crime-free state. New cars with electronic safety systems may help deter thieves. A good auto policy can help vehicle owners recover their losses.

Find the Right Iowa Car Insurance

Iowans have lots of choices when it comes to selecting insurers and coverage options. To find the best choice for your vehicle, it is important to compare multiple Iowa auto insurance quotes and policies.  

Shopping for the right policy can be a time consuming and tedious task. A great local Trusted Choice agent can do most of the hard work for you, so find an agent today and get the assistance you need.

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