Get the Cheapest Car Insurance Quotes in Iowa

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Average Iowa Car Insurance Costs

  • Iowa state minimum liability car insurance costs $45 a month or $542 a year. Full Coverage policies cost around $201 a month or $2,417 a year.

CheapCarInsurance pulls cost data from recent real time auto policy quotes across the state. Data is based on a driver profile of a single person with a clean driving record that is middle aged and drives a modern vehicle. 

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Cheapest Car Insurance Companies in Iowa

See our comparison data of cheap auto insurance providers and policy rates for state minimum liability and full coverage here:

Insurance Provider:State Minimum:Monthly:Full Coverage:Monthly:
State Farm:$410$34$1,646$137
Wadena Insurance:$418$35$1,876$156
Farm Bureau:$581$48$2,596$216
Grinnell Mutual:$607$51$3,345$279

How to Get Cheap Car Insurance in Iowa

The Missouri River, the Mississippi River, the Sioux River and the American Heartland; Iowa is as American as a state can get. In the heart of the Corn Belt, this midwestern state hosts rolling hills, neatly-lined crop fields, industrial-sized family farms and an unbeatable American spirit. While not the tourist attraction that some of its neighbors are, Iowa has been supporting America’s families for generations through its industry and agriculture. An easy drive through flat plains and highways, this state can be a pleasure to live in or to visit. is making sure Americans like those living in Iowa are well protected by providing beneficial, easy-to-read car insurance information.

Average Cost of Car Insurance in Iowa

Car insurance is a crucial aspect of owning a vehicle in Iowa, as it provides financial protection against potential accidents or damages. However, before purchasing car insurance, it’s important to understand the average cost of car insurance in Iowa, which can vary based on various factors.

As of 2023, the average cost of car insurance in Iowa is approximately $800 to $1,200 per year for a full coverage policy, which includes liability coverage, collision coverage, and comprehensive coverage. However, it’s important to note that this is an estimated average and individual rates may vary based on factors we discuss below. Here is a breakdown of the average costs by car type and your current location in Iowa:

Costs by County:Sedan:SUV:Coupe:Truck:Hybrid:
Black Hawk$836$698$782$853$903
Buena Vista$801$662$730$739$872

What Factors Affect Car Insurance Rates

Several factors influence car insurance rates in Iowa, including:

  1. Age: Younger drivers typically pay higher insurance premiums due to their lack of experience behind the wheel.
  2. Gender: Statistically, males tend to have higher accident rates, which may result in higher insurance premiums compared to females.
  3. Driving Record: A clean driving record with no accidents or traffic violations can result in lower insurance rates, while a history of accidents or violations can increase premiums.
  4. Vehicle Make and Model: The type of vehicle you drive can also affect your insurance rates. Expensive or high-performance vehicles may have higher premiums compared to more affordable or safer vehicles.
  5. Coverage Amount: The amount of coverage you choose can also impact your insurance rates. Opting for higher coverage limits or additional coverage options may result in higher premiums.
  6. Deductibles: A higher deductible, which is the amount you pay out of pocket before insurance coverage kicks in, can result in lower premiums, while a lower deductible may lead to higher premiums.

Minimum Car Insurance Requirements in Iowa

Iowa has minimum car insurance requirements that drivers must meet to legally operate a vehicle in the state. As of 2023, the minimum requirements for car insurance in Iowa are:

  1. Liability Coverage:
    • $20,000 per single bodily injury or death
    • $40,000 per multiple bodily injury or deaths
    • $15,000 for property damage

Liability coverage provides financial protection if you cause an accident and are responsible for injuries or damages to others.

  1. Uninsured/Underinsured Motorist Coverage:
    • $20,000 bodily injury per person
    • $40,000 bodily injury per accident

Uninsured/Underinsured Motorist coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your injuries or damages.

  1. Personal Injury Protection (PIP):
    • $1,000 per person

PIP coverage provides coverage for medical expenses, lost wages, and other related expenses regardless of who is at fault in an accident.

It’s important to note that these are the minimum requirements, and it’s recommended to consider higher coverage limits and additional coverage options to ensure adequate protection in the case of an accident.

Ways to Lower Car Insurance Premiums in Iowa

While car insurance premiums in Iowa are influenced by various factors, there are several ways to potentially lower your car insurance premiums, including:

  1. Maintaining a Clean Driving Record: Avoiding accidents and traffic violations can result in lower insurance rates over time.
  2. Shopping Around for Insurance Quotes: Obtaining quotes from multiple insurance providers can help you compare rates and choose the most affordable option.
  3. Bundling Policies: Bundling your car insurance policy with other insurance policies, such as home or renter’s insurance, can often result in discounted premiums.
  4. Increasing Deductibles: Opting for a higher deductible can lower your premiums, but it’s important to ensure you can afford the higher out-of-pocket expenses in case of an accident.
  5. Taking Advantage of Discounts: Many insurance providers

New Driver Licensing Requirements for IA

DUI and DWI Laws in Iowa

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