Compare car insurance quotes from several top insurance companies and find the cheapest auto insurance rates in the state of Iowa in less than 5 minutes. Let CheapQuotesCarInsurance.com teach you everything you need to know about buying affordable auto insurance that fits your budget and your lifestyle. Learn about Iowa minimum car insurance requirements and how the cost of auto insurance in Iowa compares to the cost of auto insurance in other states. We offer top online car insurance comparison tools for Iowa residents. Car insurance rates change every year, so be sure to view quotes from at least two insurance companies and lower your car insurance premiums today.
Iowa Minimum Car Insurance Requirements:
Iowa state law requires that car insurance policies must include a minimum bodily injury liability coverage limit of $20,000 for one person in an accident and $40,000 for all persons injured per accident. The minimum property damage liability coverage limit is $15,000. These minimum coverage limits for Iowa are more commonly listed as 20/40/15. Iowa does not require Uninsured/Underinsured Motorist coverage.
Iowa’s Most Common Car Insurance Coverage
|
Coverage |
Iowa Minimum Car Insurance Requirements |
Iowa Most Common Car Insurance Coverage |
|
Bodily Injury Liability |
$20,000/$40,000 |
$100,000/$300,000 |
|
Property Damage Liability |
$15,000 |
$100,000 |
|
Uninsured Motorist Bodily Injury |
Not required |
$100,000/$300,000 |
|
Medical Payments |
Not required |
$5000 |
|
Collision |
Not required |
$500 deductible |
|
Comprehensive |
Not required |
$250 deductible |
The cheapest Iowa auto insurance policies will only meet the minimum state requirements for insurance coverage, but many customers will want and need more insurance coverage including: coverage for uninsured/underinsured motorists motorists, medical payments, personal injury protection , collision, and comprehensive coverage. Discover which coverage is best for you.
Iowa Auto Insurance Laws
Iowa is NOT a no-fault state but rather follows a Tort system. This means that the driver who is at-fault in the accident and the at-fault driver’s insurance company pays the victim’s medical expenses. Also, the victim has the option to file a claim against the at-fault driver for additional and related damages including lost wages and pain and suffering.
Average cost of Car Insurance in Iowa
The National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute (I.I.I.) provide data about car insurance premiums for all 50 states. Iowa residents spend an average of $518 per year for car insurance (liability coverage). Iowa ranks as the 2nd cheapest state to buy auto insurance. The national average is $811 per year for car insurance (liability coverage). In 2010, Iowa car insurance premiums have decreased slightly compared to 2009. Now is the time to compare auto insurance rates from multiple providers to lower your car insurance premiums.
We offer local car insurance quotes available in all of Iowa including:
Ames
Cedar Rapids
Council Bluffs
Davenport
Des Moines
Dubuque
Iowa City
Sioux City
Waterloo
West Des Moines
Insurance companies weigh the factors that affect your car insurance rates differently so everyone’s rates will be different for each company. Smart auto insurance shoppers will compare quotes from several car insurance companies to find the cheapest car insurance quote possible. CheapQuotesCarInsurance.com has partnered with top insurance companies like Geico, Nationwide, AllState, Esurance, Liberty Mutual, and Travelers to provide our customers with affordable quotes from highly reputable insurance providers. Enter your zip code and answer several general questions about your driving history to compare Iowa auto insurance rates and save money on your auto insurance premiums.
To contact Iowa’s department of Insurance:
iid.state.ia.us
Mailing address:
Iowa Insurance Division
330 Maple St.
Des Moines, IA 50319-0065
Phone number
(515) 281-5705