Best Auto Insurance Rates in Iowa

On average, your neighbors pay $50 a month.

See Your Rates
Local Insurance Information

Compare Auto Insurance in Iowa

Iowa is known as the Hawkeye State. Here at QuoteWizard, we’ve compiled useful insurance information from industry and government sources which Iowans can use to analyze their car insurance policies like a hawk.

This page will show you which types of coverage are legally required in Iowa, inform you about important insurance laws, and provide both information about the cost of driving, and some insights about insurance risk in Iowa, all to help protect you and your family.

Average Iowa Car Insurance Rates

How much is car insurance in Iowa? Drivers here pay less for car insurance than those in every state but Idaho. On average, Iowa drivers pay 32% less for auto insurance than the average American. The average cost of car insurance in Iowa is $599.03 per year. The national average annual cost is $889.01.

Prices will vary depending on your car, driving record, zip code, limits, and the number of claims filed in your neighborhood.

Iowa Average Annual Car Insurance Rates
Coverage Rates
Liability $299.18
Collision $219.75
Comprehensive $183.53
Total Cost Per Year $599.03
Price Per Month $49.91
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Iowa insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Iowa car insurance rates increased from $551 in 2011 to $599 in 2015, a jump of $47 dollars, or 8.58 percent.

Iowa average car insurance rates

Shopping around and comparing auto insurance quotes is important, but who has the time and energy for it? Well, if you use QuoteWizard, you won’t have to worry about time or energy.

That’s because QuoteWizard will connect you to multiple companies that serve Iowa drivers so you can compare car insurance rates and get coverage that fits your needs.

Last year, 27,115 people used QuoteWizard to compare car insurance quotes in Iowa from multiple companies to find the lowest rates.

Best Car Insurance Companies in Iowa

Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of Iowa. Out of the 27,115 Iowa drivers that used QuoteWizard to request insurance quotes last year, 4,002 had no car insurance.

Top 10 Vehicles in Iowa

These are the most common vehicles owned by Iowa drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Chevrolet Silverado
  3. Ford Taurus
  4. Chevrolet Impala
  5. Chevrolet Blazer
  6. Ford Ranger
  7. Chevrolet Trailblazer LS/LT
  8. Dodge Caravan
  9. Buick LaSabre
  10. Chevrolet Cavalier
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Iowa State Auto Insurance Laws

Minimum Car Insurance Requirements in Iowa

Iowa is one of the few states in the US that doesn’t require drivers to carry car insurance. That said, if you are involved in an accident, the state of Iowa requires that you show proof of financial responsibility. If you can’t produce this proof immediately, your driving privileges will be suspended. And if your license has been revoked or suspended, Iowa will require proof of financial responsibility for any possible future damages or injuries.

Recommended Coverage Levels

Auto theft is becoming a problem in parts of Iowa. Car insurance premiums increase alongside theft rates. You can protect your pocketbook in the event of a car theft with comprehensive coverage. It covers you and your car from theft and vandalism, as well as natural disasters.

It’s a sound idea to look at enhancing your coverage. A minimum liability policy is not going to cover your damages in the event of a crash. You should also explore increasing your liability coverage. The payout limits of a minimum liability plan are easy to exceed, and you’d be left paying the rest, As such, consider upping your liability coverage to:

  • $100,000 Individual Body Injury Liability 
  • $300,000 Total Bodily Injury Liability
  • $100,000 Property Damage Liability

Proof of Financial Responsibility

Unlike most states, drivers in Iowa are not required to carry proof of insurance. If, however, you are involved in an accident resulting in bodily injury, death, or property damages of $1,500 or more, you must file an accident report with the Iowa Department of Transportation within 72 hours, even if you weren’t at fault. If law enforcement files a report at the scene, a personal accident report is not required. If a report is not filed and you have not proved financial responsibility, your license and all driving privileges will be suspended.

Proof of financial responsibility can be any of the following:

  • Show proof of liability insurance at the scene of the accident
  • Post cash, cashier’s check, certified check, bank draft or money order payable to the Office of Driver Services
  • Obtain releases from any parties with damages or injuries
  • Obtain a court decision that relieves you of liability
  • File an installment plan to pay for damages or injuries
  • Execute a warrant for confession of judgment with an agreed-upon payment schedule
  • Submit evidence of settlement of damages or injuries

You won’t have to prove financial responsibility following an accident if:

  • Your car was legally parked, standing, or stopped
  • Someone was driving your car without your permission
  • You were the only one to sustain injuries or damages from the accident


If you get into an accident and can’t immediately show financial responsibility, your driving privileges will be revoked and suspended.

After Revocation or Suspension of License - SR-22

If your license has been revoked or suspended because of a conviction, unsatisfied judgment or violating Iowa's Operating While Intoxicated (OWI) statute, you must obtain Future Proof of Financial Responsibility immediately and maintain it for 2 years. Failure to do so will result in suspension of your driver's license and all vehicle registrations.

Any of the following are accepted forms of future proof:

  • An insurance company authorized by Iowa can file Form SR-22 (Certificate of Automobile Liability Insurance) with the state DOT’s Office of Driver Services on your behalf
  • A surety bond, cash, or securities in the amount of $55,000
Iowa drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
Ready to see if you're eligible?
Click Here

State of Iowa Traffic Safety Laws

Distracted Driving Laws

Iowa has banned novice drivers from the use of cell phones, both handheld and hands-free, while operating a moving vehicle. Iowa has also made it illegal for any driver to text while driving, but this is a secondary law which means law enforcement can only cite you for it if they’ve pulled you over for another reason.

Implied Consent Law

Iowa’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested by law enforcement for suspicion of  operating while intoxicated (OWI) by drugs or alcohol. Refuse the test and you’ll face the following penalties in addition to those for an OWI

  • First Offense: suspension of driver’s license for 1 year and $250 fine
  • Second Offense: suspension of driver’s license for 2 years and $250 fine
  • Third Offense: suspension of driver’s license for 2 years and $250 fine

Iowa state law also says that you consent to a pre-arrest preliminary breath test. You’re not required to take this test, but if you refuse and law enforcement has some other reason to suspect that you’ve been driving while intoxicated, you can still be arrested. And then you will be required to consent to testing.

OWI Law and Penalties

If you drive or operate a motor vehicle in the State of Iowa with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Operating While Intoxicated (OWI).

The penalties for a first offense OWI conviction are:

  • Between 48 hours and 1 year in jail
  • A fine of between  $625 and $1,250
  • 180-day suspension of driver’s license
  • Installation of an ignition interlock device required if BAC over 0.10

The penalties for a second OWI conviction are more severe:

  • Between 7 days and 2 years in jail
  • A fine of between $1,875 and $6,250
  • 2-year suspension of driver’s license
  • Installation of an ignition interlock device required

After a third OWI conviction the penalties increase to:

  • Between 30 days and 5 years in jail
  • A fine of between $3,125 and $9,375
  • 6-year suspension of driver’s license
  • Installation of an ignition interlock device required

Senior Drivers in Iowa

The license renewal cycle for drivers in Iowa is every 5 years but when drivers reach the age of 70, renewals are required every 2 years.

Seat Belt Laws

Iowa requires that all passengers riding in the front seats of moving vehicles wear seat belts at all times. Failure to comply will result in a fine of $127.50 plus court costs.

Vehicles Registered in Another State

When you drive a vehicle in Iowa that is required to be registered in another state, you must have the type of insurance required by that state.

The Cost of Driving in Iowa

Average Iowa Car Insurance Rates

The average cost of car insurance in Iowa in 2015 was $599.03 compared to a national average of $889.01 Iowa is ranked the 50th most expensive state for car insurance.

Car Insurance Risk in Iowa

Traffic Fatalities

In 2013, there were 317 traffic fatalities in Iowa, a 13% decrease from the 365 traffic fatalities reported in 2012.

  2010 2011 2012 2013
Total Fatalities 390 360 365 317

Vehicle Thefts

Iowa had 4,151 vehicle thefts reported in 2014, a 2.4% decrease compared to 2013 when 4,255 vehicles were reported stolen. In 2014, the vehicle theft rate was 133.6 per 100,000, an decrease of 2.9% over the 2013 rate of 137.6 per 100,000.

The vehicle theft rate in Iowa is far lower than the overall US vehicle theft rate, which was 216.2 per 100,000 in 2012.

Top 10 Most Stolen Vehicles in Iowa

Some cars are more prone to theft than others, so be sure to check the list below to see if your car is at risk.

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 2003 Chevrolet Pick-Up (Full Size)
  2. 2003 Ford Pick-Up (Full Size)
  3. 2001 Dodge Pick-Up (Full Size)
  4. 1998 Chevrolet Pick-Up (Small Size)
  5. 2003 Chevrolet Impala
  6. 2000 Pontiac Grand Prix
  7. 1997 Jeep Cherokee/Grand Cherokee
  8. 1997 Honda Accord
  9. 1999 Ford Explorer
  10. 2004 GMC Pick-Up (Full Size)

Uninsured Motorists

In 2012, it was estimated that 9.7% of all drivers on Iowa roads had no car insurance. This number is slightly lower than the national average of 12.6% and ranks Iowa 32nd in the nation for uninsured motorists.

Iowa Insurance Division

Insurance Commissioner:
Doug Ommen
Insurance Hotline:
(515) 281 - 5705
Office Hours:
Monday - Friday
8:00 am to 4:30 pm
File a Consumer Insurance Complaint
Complaint Page

Sources: LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.