Iowa car insurance

Looking for more information about car insurance in the Hawkeye State? Whether driving through Des Moines, Cedar Rapids, or Davenport, we've got you covered. Learn more about auto insurance requirements in Iowa and optional coverages that might be worth adding. Plus, we'll break down a few discounts you could earn with Progressive.

What are Iowa's minimum auto insurance requirements?

Drivers in Iowa are required to have auto liability coverage (BI liability and PD liability), at the following minimum car insurance limits:

While these are Iowa's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Iowa a no-fault state?

No. Iowa is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Iowa?

The average cost of a liability-only auto insurance policy (single driver/single car) from Progressive in Iowa was $77.31 per month in 2023.^* Rates vary based on several factors, including your coverage selections, driving history, and ZIP code. Learn more about the cost of car insurance.

What is the best car insurance in Iowa?

Finding the best car insurance in Iowa means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help Iowans get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 writer of personal auto insurance in Iowa.^**

If you're looking for the cheapest car insurance in Iowa, here's how much drivers nationwide who save after switching to Progressive save on average compared to their previous auto insurer:

• Allstate customers who switch and save with Progressive save $920 on average^††
• GEICO customers who switch and save with Progressive save $757 on average^§
• State Farm customers who switch and save with Progressive save $661 on average^‡

How do I lower my car insurance cost in Iowa?

To lower your car insurance cost in Iowa, you may qualify for the following discounts through Progressive:

• Five-year accident-free
• Multi-car
• Homeowner
• Online quote
• Paid in full
• Multi-policy
• Five-year claim-free

See all our auto insurance discounts.

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Iowa's state-required coverages.

Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator, to find which ones are recommended for you.

Iowa driving resources

From Sioux City to Iowa City, get to know Iowa's driving laws and resources. These resources apply to Ames, West Des Moines, and everywhere in between. Local municipalities may have additional laws and resources.

• Iowa Department of Motor Vehicles: Find out how to get or renew your Iowa license and registration.
• Iowa Governor's Traffic Safety Rules: Get details about child passenger safety, seatbelt laws, reducing impaired and distracted driving, and Iowa driver safety resources.
• Iowa driver services FAQs: Find answers to your questions about getting a copy of your driving record, the process for getting a driver's license after an OWI, how to get a non-driver ID, and other services.
• Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.