Iowa Car Insurance Calculator
Calculate your auto insurance cost in Iowa. Compare with state averages and find savings.
$1,167
Avg Annual Premium
20/40/15
Min Liability
Monthly Avg
$97
Full Coverage
$1,534
Min Coverage
$412
Uninsured Rate
7.6%
Iowa Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$20,000
Bodily Injury (per accident)$40,000
Property Damage$15,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Iowa
Low population densityAgricultural risksSevere weather
Major Metro Areas in Iowa
Des MoinesCedar RapidsDavenportSioux CityIowa City
FAQ
Iowa Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Iowa
The average annual car insurance premium in Iowa is $1,167, or about $97 per month. Full coverage averages $1,534 annually, while minimum coverage averages $412. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Iowa requires minimum liability coverage of 20/40/15 ($20,000/$40,000 for bodily injury and $15,000 for property damage).
Key factors affecting Iowa car insurance rates include: Low population density, Agricultural risks, Severe weather. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 7.6% of drivers in Iowa are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Iowa car insurance: 1) Compare quotes from multiple insurers like State Farm, Farm Bureau, GEICO. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Iowa include: State Farm, Farm Bureau, GEICO, Progressive, Grinnell Mutual. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
IA Insurance Costs
Average premiums in Iowa:
- Annual Average$1,167
- Monthly Average$97
- Full Coverage$1,534
- Minimum Coverage$412
IA Requirements
Minimum coverage required:
- Liability20/40/15
- PIP RequiredNo
- UM RequiredNo
- Uninsured Rate7.6%
Top IA Insurers
Popular insurance companies:
- •State Farm
- •Farm Bureau
- •GEICO
- •Progressive
- •Grinnell Mutual