Iowa Car Insurance

Compare rates from 19 car insurance companies in Iowa.

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Here's what you need to know when driving in Iowa

Across the Hawkeye State, there are 235,460 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Car Insurance Laws

State minimum insurance requirements in Iowa

In Iowa, the state minimum coverage requirement is liability with limits of:
  • Bodily Injury $20,000 per person
  • Bodily Injury $40,000 per accident
  • Property Damage $15,000 per accident
Optional coverage in Iowa (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

Liability coverage is legally required in Iowa and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Iowa, the minimum is listed as 20/40/15 and explained below:

$20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$15,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Iowa but higher coverage amounts are available with most companies.

Top Iowa Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in Iowa?


What does this mean for you?

If you happen to find yourself pulled over by a police officer in Iowa you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Iowa?

Uninsured Drivers in Iowa




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Iowa cities?

Rank City Avg. Annual Premium
1 Council Bluffs $1,251
2 Sioux City $1,158
3 Des Moines $1,129
4 Davenport $1,123
5 Bettendorf $1,073
6 Fort Dodge $1,071
7 Dubuque $1,066
8 Waterloo $1,061
9 Clinton $1,055
10 Burlington $1,049
11 West Des Moines $1,047
12 Urbandale $1,046
13 Ottumwa $1,044
14 Clive $1,040
15 Cedar Falls $1,038
16 Marshalltown $1,029
17 Muscatine $1,020
18 Cedar Rapids $1,007
19 Marion $1,004
20 Ankeny $1,003
21 Johnston $1,002
22 Mason City $1,000
23 Iowa City $966
24 Coralville $966
25 Ames $955

Recent Iowa Car Insurance Questions and Answers

How do I decide if the insurance policy covering my 2007 Acura MDX should be liability only?

Aug 12, 2017

Our insurance company quoted us $986/year annually with a $1000 deductible or $1062/year with a $500 deductible. According to Kelley ...

How do I estimate my insurance rate if I don’t want to provide personal info for a quote?

Feb 17, 2017

I’m 54 and I’ve been with my insurance company for years. I haven’t shopped around in a long time and ...

Will my insurance company cover my vehicle if my cousin was driving my car?

Dec 21, 2016

She swerved to miss a deer and ended up hitting a tree. It was cold and slick outside as well ...

Can I file a claim after a hit and run?

Aug 20, 2016

I kissed the fender on another car and they fled the scene. Due to adrenaline I didn’t get their plate. ...

Driving Laws

Iowa Texting and Driving Laws

  1. Ban on all cell phones for drivers with Restricted or Intermediate Licenses.
  2. Ban on text messaging for all drivers
Alcohol Related Fatalities


Per Year in Iowa
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's cheap to get car insurance in Iowa!

Whoa! Iowa is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Since Iowa might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in Iowa?
Rank Company Name Avg. Annual Premium
1 USAA $676
2 Partners Mutual $691
3 Western National $793
4 Allied $795
5 Hastings Mutual $889
6 State Farm $909
7 Nationwide $925
8 Auto-Owners $939
9 Farm Bureau Mutual $966
10 Travelers $1,010
11 Cameron Mutual $1,013
12 GEICO $1,024
13 Farmers $1,076
14 Pekin Insurance $1,087
15 Progressive $1,095
16 EMC $1,183
17 American Family $1,191
18 Grinnell $1,218
19 General Casualty $1,223
20 MetLife $1,285
21 IMT Insurance $1,325
22 Liberty Mutual $1,582
23 Allstate $1,697
24 Sentry $1,839
25 Victoria $1,992
26 Safeco $2,126
Additional Resources:

Iowa Car Insurance

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Iowa Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Iowa area, while also getting an insider view of the Hawkeye State.

Click here to learn more.


So, Iowa students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.