Compare Car Insurance Quotes In The Great State of Iowa

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The Great State of Iowa

Compare Quotes to Get the Best Car Insurance Rates in Iowa

Compare Quotes to Get the Best Car Insurance Rates 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

Iowa drivers 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. How much you pay may vary depending on your car, driving record, zip code, limits, and the number of claims filed in your neighborhood.

The average cost of car insurance in Iowa is $585.71 per year. The national average annual cost is $866.23.

Iowa Average Annual Car Insurance Rates
Coverage Rates
Liability $294.97
Collision $210.25
Comprehensive $178.45
Total Cost Per Year $585.71
Price Per Month $48.81

Compare Car Insurance Quotes in Iowa

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 top companies and find the lowest rates.

Top 10 Vehicles in Iowa

These are the 10 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

Best Car Insurance Companies in Iowa

Last year, these were the 10 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.

Iowa State Auto Insurance Laws

Car Insurance Minimum Coverage

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.

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

Penalties

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
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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

Child Restraint Law

Iowa’s Child Restraint law requires that:

  • Children younger than 1-year-old and weighing less than 20 pounds ride in approved rear-facing child restraint systems.
  • Children between the ages of 1 and 6 must be safely secured in a child restraint system. This could be either a safety or booster seat, but not a seat belt.
  • Children ages 6 to 11 be secured in either a child restraint system or wear a seat belt
  • Children up to age 18 riding in rear seats must wear seat belts

If you are pulled over by law enforcement and it’s discovered that children are not legally secured in your vehicle, you will be subject to a fine of $100 plus administrative costs of at least $195. First offenses will not result in conviction if you can prove you acquired a child restraint.

Proper use of child safety seats reduces fatalities by 71%

Graduated Driver’s License Program

Iowa has implemented a multi-tier graduated driver’s license program beginning with an instruction permit phase and ending with full driver privileges once all conditions are met. The use of cell phones, smartphones, tablets, electronic communication devices, or entertainment devices is prohibited until drivers turn 18.

Young drivers can apply for an instruction permit on their 14th birthday if they have written consent from a parent or guardian and can pass the written and vision tests. A primary form of identification is also required, as well as proof of residency, and proof of a Social Security Number.

An instruction permit allows young drivers to:

  • Drive any time of day as long as an adult is supervising
  • Qualifying adults include: parents, guardians, and custodians, immediate family members 21 years of age and older, driver’s education instructors, or someone at least 25 years old with written permission from your parent, guardian or custodian
  • Supervising adults must also be licensed drivers

Teens at least 14 ¼ years old can apply for a minor school license if they have:

  • Completed a driver’s education course
  • Held an instruction permit and maintained a clean driving record for at least 6 consecutive months
  • Live 1 mile or more from school

In addition, both the teen’s school superintendent, principal, or school board chair and a parent or guardian must sign the Affidavit for School License (Form 30021). Passing a driving test may also be required.

A minor school license allows teens to drive without adult supervision between the hours of 5 am and 10 pm while traveling to and from school or school-related activities. Stopping for gas along the way is also allowed.

When teens turn 16 they can apply for an intermediate license if they have:

  • Held an instruction permit for at least 12 consecutive months
  • Kept their driving record clean for at least 6 consecutive months
  • Consent from a parent or guardian
  • Completed at least 20 hours of supervised driving beyond what was required to pass driver’s education, with at least 2 hours taking place at night

An intermediate license allows teen drivers to:

  • Drive without adult supervision between 5:00 am and 12:30 am
  • Drive any time with adult supervision

Teens that are at least 17 years old can apply for a full driver’s license if they have:

  • Held an intermediate license at least 12 consecutive months
  • Maintained a clean driving record for at least 12 consecutive months
  • Completed at least 10 hours of supervised driving while holding an intermediate license, with 2 of these hours taking place at night

Residents of Iowa 18 years of age and older can apply for a full driver’s license even if they don’t meet any of the GDL requirements.

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 2014, the most recent year for which data was available, was $585.71 compared to a national average of $866.31 Iowa is ranked the 50th most expensive state for car insurance.

Fuel Taxes

As of January 2016, the state of Iowa taxes gasoline at 32.00 cents per gallon. When added to the Federal fuel tax of 18.4 cents per gallon, residents of Iowa can expect to pay a total of 50.40 cents per gallon in taxes every time they fill their tanks. Iowa taxes diesel fuel at 33.50 cents per gallon. When added to the Federal diesel tax of 24.4 cents per gallon, Iowans will pay 57.90 cents per gallon in taxes on diesel fuel.

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

Website:
http://www.iid.state.ia.us/
Insurance Commissioner:
Nick Gerhart
Address:
Insurance Division
601 Locust St., 4th Floor
Des Moines, IA 50309-3738
Phone:
(877) 955-1212
File a Consumer Insurance Complaint:
Complaint Page

Sources:

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