Iowa car insurance: requirements & free quotes
Iowa has one of the lower liability minimums in the country at 20/40/15 and follows an at-fault system. Rural roads, deer crossings and severe summer storms are common concerns for Iowa drivers.
Minimum coverage in Iowa
$20,000
Bodily injury per person
$40,000
Bodily injury per accident
$15,000
Property damage
Bodily injury liability $20,000 per person / $40,000 per accident
Property damage liability $15,000 per accident
Shown as 20/40/15. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Iowa
- The minimum limits are low, so consider buying higher liability limits to protect your assets.
- Comprehensive coverage covers deer collisions, a frequent claim on rural Iowa roads.
- Uninsured motorist coverage is offered and worth keeping.
- Ask about discounts for farm vehicles or multiple vehicles on one policy.
We connect drivers across Iowa
Including Des Moines, Cedar Rapids, Davenport, Sioux City and Iowa City — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Iowa car insurance FAQ
No. Iowa is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.