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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.
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.
|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.
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.
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.
These are the most common vehicles owned by Iowa drivers requesting car insurance quotes through QuoteWizard in the past year.
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.
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:
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:
You won’t have to prove financial responsibility following an accident if:
If you get into an accident and can’t immediately show financial responsibility, your driving privileges will be revoked and suspended.
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:
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.
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
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.
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:
The penalties for a second OWI conviction are more severe:
After a third OWI conviction the penalties increase to:
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.
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.
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 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.
In 2013, there were 317 traffic fatalities in Iowa, a 13% decrease from the 365 traffic fatalities reported in 2012.
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.
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
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.
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