Iowa Car Insurance - Auto Insurance Quote in IA
Looking for the best in auto insurance? CarInsurance.com is the way to go in Iowa, the only state whose east and west borders are completely formed by water (the Missouri and Mississippi rivers).
| Current average car insurance premium in Iowa | $1,059.13 |
| Current average car insurance premium U.S. | $1,602.16 |
| Des Moines | $1,184.67 |
| Cedar Rapids | $1,004.83 |
| Check out our car insurance rates in more Iowa cities | |
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You can get insight into just how Iowa's insurance quotes are trending the past few months by using CarInsurance.com's Average Premium Trend Tool. The graph shows the change in Iowa’s average car insurance rates, and the arrow indicates the monthly trend.
There are several top insurance carriers at CarInsurance.com that are eager to ensure you get the coverage you need. This site will show you what the minimum legal requirements are in Iowa and also show you what other Iowans are paying for their policies. That's not all -- you'll find tools that can make comparison shopping easy and provide options allowing for customized coverage.
Iowa state law requires minimum Bodily Injury Liability limits of $20,000 per injured person up to a total of $40,000 per accident, and Property Damage Liability coverage with a minimum limit of $15,000. This basic coverage is often referred to as 20/40/15 coverage.
Minimum Required Insurance Coverage in Iowa
Bodily Injury Liability: $20,000/$40,000 Limit
Property Damage Liability: $15,000 Limit
The state of Iowa follows a Tort system, meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). Iowa does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.
The coverage page at CarInsurance.com presents the initial option of a Minimum State Required package that can take care of basic insurance needs. But you can go further with more wide-ranging packages, ones that let you decide on deductible and other coverage limits. Rather talk with someone? Not a problem - CarInsurance.com has agents available to discuss your coverage and the purchase process. All are knowledgeable and licensed in Iowa.
Don't think that there's no need to shop around because state insurance regulators and the insurance companies set prices. The best way to get the best deal in the Hawkeye State is to do some simple research and get a few quotes. You can do that here at CarInsurance.com, where finding you the best coverage is our top priority.
If Iowa car thieves have a fondness for the ride you own, you’ll pay higher rates for car insurance. Here’s a look at Iowa car thieves’ current favorites.
