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Scroll down for Iowa Car Insurance rates, quotes, statistics, local carriers, and ways to lower your annual premiums.
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Iowa is known for its relatively low annual premiums on car insurance, as compared to other U.S. states.
Here's the latest info on car insurance in the state of Iowa, and tips on how to minimize your car insurance premium costs.
Minimum Liability Coverage on Iowa Car Insurance
Unlike most of the rest of America, Iowa state law does not require auto insurance coverage for drivers. Still, Iowa drivers are required to prove their ability to pay for damages if an accident should occur.
This means buying car insurance to those of us who don't have $100,000 sitting around in the bank.
Auto insurance is highly recommended by insurance experts, and is mandatory in most U.S. states, because even minor accidents can cause financial ruin.
The suggested minimum car insurance coverage for Iowa drivers is 20/40/15.
In other words, Iowa car owners should purchase $20,000 in personal injury coverage, $40,000 to cover the cost of injury to others, and $15,000 to cover property damage.
However, American insurance analysts recommend 100/300 in injury coverage.
Penalties for Driving Uninsured
Since buying auto insurance isn't required by Iowa state law, there is no penalty for driving without it. That is, unless you have an accident. Auto repairs and medical bills cost more money than most people have.
The penalty for drivers who are caught driving vehicles without proof of having enough money to cover possible damages is a restricted, suspended or revoked driver's license.
Average Auto Insurance Rates and Comparisons
The Average Annual Car Insurance Premium for Iowa car insurance was $989 last year. This made Iowa the 8th least expensive state (on average) for a driver to buy car insurance.
The overall national average premium for car insurance at the time was around $1,347.
The low premiums on auto insurance in the state of Iowa are most likely due to low population density, strong economy, relatively low crime rates and (especially) no legal requirement to buy auto insurance.
Cost of Car Insurance
Insurance carriers all over America typically offer discounts to encourage safe driving practices and healthy lifestyle choices.
For instance, the Accident-Free Discount for going three years without an at-fault accident.
The Good Driver Discount is for avoiding moving violations for three years.
The Good Student Discount is offered to male drivers and single female drivers under the age of 25, if they are enrolled in school full time and excelling academically.
The Multiple Policy Discount is for owners of more than one insurance policy.
Discounts are also available for seniors who pass a state-approved defensive driving course, and for drivers of cars with anti-theft devices and/or permanently installed safety features.
Based on recent consumer reviews, the nation's top five auto insurance providers are
Large insurance carriers popular in the state of Iowa include
Still, some Iowa car owners choose smaller, regional carriers such as Western National.
Call a few agents to obtain free quotes.
Don't forget to ask about the discounts.
Then simply compare quotes and choose the cheapest premium plan you can get, because they're all about the same, after all.
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